23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been in XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
Product: Debt collection

On XX/XX/2021 I was contacted via mail by CMRE Financial Services , INC about an alleged debt. I a natural person am being falsely accused to have owed an alleged debt in the amount of {$200.00} to CMRE. I do not have a contract with this corporation nor did I give any consent to them obtaining my information. As a federally protected consumer, I have the right to privacy pursuant to 15 USC 1681A ( 4 ). I contested with this corporation asking for validation of this alleged debt and have not gotten any response. Why would I pay a debt I do not owe? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, & XX/XX/2020 I sent letters to the CRAs disputing this account and their inaccuracies. In which they stated the dispute was resolved ( incorrect information was still reporting ) .On XX/XX/2020 I sent a letters the original creditor XXXX XXXX the CRAs, & to NCB Management asking for validation of the debt in which they submitted no proof of validation & inaccuracies were still being reported on my report after claiming they had been fixed ( not fixing the existing problem ). On XX/XX/2020 a letter from NCB Management stating they were unable to substantiate my allegations yet I have evidence on my report that contradicts that statement. Such as the dates being reported opened, the date of activity, the account status and more which are against FCRA regulations. This account is also in litigation due to deception and predatory lending practices of the original creditor XXXX. This account falls within the time frame of XXXX XXXX - XXXX XXXX in which XXXX settled and was found at fault.
Product: Credit reporting or other personal consumer reports

I have made several attempts in requesting help from Trans Union in regards to collection accounts on my credit report. The Creditors have not responded to my dispute letters and neither have TransUnion. TransUnion has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing these creditors to continue to report negative, inaccurate information that they have not proven to be legally mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

XXXX reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX T XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

On XX/XX/2023 I made a payment to MOHELA via XXXX XXXX XXXX  bill pay in the amount of {$680.00}. 

MOHELA has yet to provide me credit for this payment. I have attempted to contact MOHELA via their secure message system. They reply with a generic response that according to their records this problem has been resolved. 

I also used XXXX 's system where I can report a missing payment. XXXX provided a response indicating they have made multiple attempts to contact MOHELA but are are unable to connect with someone. 

During this time I continue to pay interest on student loans and the interest continues to accrue. I believe this is fraudulent accounting principles and if you multiply my case by thousands if not millions of other students in the same situation, we are paying massive amounts of interest in loans in an unfair and dishonest manner. 

MOHELA refuses to credit my account with a payment that was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX   The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

On XX/XX/XXXX i called my mortgage company and i have advises them i was laid off due to this Corona virus and she told me they will mail a paper work for me to fill out so i got a letter from them starting that i have {$1700.00} due for XX/XX/XXXX and i have {$1700.00} due for XX/XX/2020 and i got a late fee of {$69.00} for the month of XXXX and per the government rule 's there is going to be no late fee and they are still charging them and every time i call they are not willing to wave them and they hang up on me saying sorry that u are falling that way ... 
I am tired of their horrible customer service in they are not willing to assist people at all in the only option they're giving me is refine ance and I bought my house 3 years ago and I don't wan na go ahead and refinance with them I want to go ahead and get my loan out of their to somebody else because their service is horrible
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX  XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal and similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I submitted proof that these debts were not incurred by me. Proof that I resided in another state when these debts were incurred. XXXX failed to investigate, they reported back to me within 48 hours that they have done an investigation. If they reviewed the documentation with my NYS ID validating that this reporting is inaccurate and should be removed from my credit report that is disadvantaging me and I am not able to get a loan or refinance. 

XXXX has already removed these off of my Credit Report. I do not understand XXXX and Transunion continue to disadvantage me as a consumer in reporting inaccurate information which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXXXXXX XXXX I am writing to inform you that I am a victim of a data breach that has compromised my personal information, and I am requesting the immediate removal of all accounts affected by this breach pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Background and Request : According to 15 U.S.C. 1681c-2 ( a ), when a consumer is a victim of a data breach, they are entitled to request the deletion of any accounts or information resulting from this breach. This legal provision mandates the removal of affected accounts from consumer credit reports to mitigate potential fraud and identity theft. 

I request that you immediately remove the accounts affected by the data breach from my credit report. These accounts are no longer valid due to the breach, and the inclusion of such information is detrimental to my credit file. 

Affected Accounts : Please remove any and all accounts on my credit report associated with this breach, including but not limited to : XXXX XXXX XXXX XXXX According to the FCRA section XXXX it is illegal to report any information on my credit report without my permission. Please remove these negative items from my credit report. Thank you. I never authorized these companies to check my credit rating or have no knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that you confirm the removal of these accounts and inquiries from my credit file within XXXX  days and provide me with an updated copy of my credit report reflecting the deletions. 

Legal Basis : Under 15 U.S.C. 1681c-2 ( a ), I am requesting that these accounts be removed from my credit report immediately to reflect my status as a victim of a data breach. The inclusion of inaccurate or fraudulent information is not only damaging to my credit score but also violates my rights under the Fair Credit Reporting Act. 

Should these accounts not be deleted or should you fail to provide sufficient documentation to prove their accuracy, I will pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the account removals. 

Sincerely, Ky ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX  to no avail, even though they know this loan originated in XXXX and was due to drop off in XX/XX/XXXXthey are not dropping the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote through several letter attempts from XXXX  2020-XXXX  2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. 
Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Product: Credit card

I have settled with the Client Services regarding XXXX XXXX XXXX. I am demanding this account removed from my credit report. It is affecting my credit in a negative way and preventing me from obtaining credit.
Product: Credit card

Subject : Complaint Regarding Unjustified Closure of Multiple Credit Accounts and Resulting Financial and Reputational Harm Dear Sir/Madam, I am writing to formally file a complaint regarding the closure of multiple credit accounts by Chase Bank without notification or proper investigation. These actions have severely impacted my financial stability, damaged my credit score, and caused reputational harm. Below is a statement of facts detailing the events that transpired : Unjustified Closure of Credit Accounts : Chase Bank closed multiple credit accounts under my name without any prior notification or investigation. 

This abrupt and unjustified action has had significant financial consequences, including the destruction of my credit score and the prevention of access to essential financial facilities. 

Discrimination Allegations : The closure of my accounts appears to be influenced by gender discrimination and religious discrimination. A Chase Bank employee indicated that the corporate office and back office trusted her solely because she is a woman, without conducting an impartial investigation. 

This employee also stated that she has closed many customers accounts if she did not like their actions, further demonstrating potential abuse of authority. 

Efforts to Address the Issue : I contacted Chase Bank immediately to explain that I had not made any inappropriate comments or threats and requested that my accounts remain open. 

I also urged Chase Bank to investigate the actions of the employee responsible for these closures. Both the employee and I are immigrants from the same region currently experiencing civil war, yet I have never insulted or threatened her. Instead, I requested that Chase Bank review the feedback of individuals who conducted transactions with me at the XXXX and XXXX branch, as well as the branch on XXXX XXXX. 

Impact on Financial Stability and Reputation : The uninvestigated and unjustified closures have caused severe financial distress, including limitations in accessing financial services and damage to my reputation. 

The actions of Chase Bank have defamed my character by creating the impression that I engaged in misconduct warranting account closure, which is entirely untrue. 

Complaints Filed : Request for Resolution : I request that Chase Bank reinstate my credit accounts, thoroughly investigate the actions of the employee in question, and take appropriate measures to ensure no future instances of discrimination or unjustified closures occur. 

I also request that Chase Bank compensate for the financial and reputational damage caused by these actions and provide documentation explaining their decision-making process in this matter. 

Chase Banks actions have caused me significant emotional distress and financial harm. The lack of proper investigation and reliance on discriminatory practices are unacceptable. I trust the XXXX Department will take the necessary steps to address this issue and ensure compliance with federal laws and ethical standards
Product: Credit card

On XXXX I filled out an card application via web link https : XXXX? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX for the CITI SIMPLICITY CARD which is offering 0 % XXXX on purchase for 12 months, 0 % XXXX on balance transfers for 21 months with a balance transfer fee of 3 % or {$5.00} minimum ( for the 1st 4 months ) ... ... ... I then clicked on the link to fill out the application for this same card https : //online.citi.com/US/ag/cards/application? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX as you can see when checking these links there is no mention or option for the CITI DIAMOND PREFERRED card nor did I apply for this card ... XXXXwhen my application was processed to my surprise I received an email congratulating me on being approved for the DIAMOND card ... ... after seeing the fee for balance transfers on the DIAMOND card was 5 % instead if 3 % I called to explain there was an mistake made by CITI and that I did not agree to different terms ... XXXXthey insisted I did and advised there was nothing they could do to change the terms so now I am reaching out to you for help I don't have and did not use any other link so there must be an error on their website/system causing the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX   This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX I did not authorize this. 
XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX  and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from XXXX on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern over the incorrect information that has been reported on my credit file. I want to make it abundantly clear that the items listed on the following pages do not pertain to any transactions I have made. It appears that someone, or some entity, has unlawfully used my personal identifying information to obtain goods, services, or money without my authorization, resulting in these erroneous entries on my credit report. I have taken the appropriate steps to address this issue. I filed a formal report with the Federal Trade Commission, which is attached to this letter, and have been in contact with the relevant agencies and creditors, who have been cooperative and guided me to this point. I understand the gravity of my request, and I want to emphasize that this is not being made in error or with any intent to deceive. I declare under penalty of perjury, under the laws of the United States, that the statements made herein are true and correct to the best of my knowledge. I am fully aware that any knowing and willful misrepresentation of material facts is a federal criminal offense, punishable under 18 U.S.C. 1001.

Additionally, such misstatements are also punishable as perjury under 18 U.S.C.

1621. 

Despite my efforts to file a police report, I was informed by my county that, without specific information on the individual or entity responsible for this identity theft, they would not file the report. This has left me in a difficult position, but I am determined to clear my name and correct my credit file. I appreciate your time and attention to this matter and trust that you will take the necessary actions to rectify these inaccuracies. For security purposes, I have included a copy of my identification on a separate page. 

EVERY ADDRESS BELOW IS TOTALLY 100 % INACCURATE .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Created an online account with Experian and when I login it forces me to request a credit report, then displays an error message and a phone number for assistance. XXXX only wants me to reset my password which is not the problem. Refuses to refer me to a representative. After a couple of hours research and calling their support numbers I could not find a way to get assistance. 

These people are making money on individuals, without our consent, and do not provide support when needed. They should provide information as legally required by providing service and support as required. Internet searches indicate others have had the same problems dealing with Experian. 

All I want and need is a working account. I need someone to help by either phone or email.