23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello. 

There were unauthorized transactions ( over {$200.00} ) made on my CHIME checking account. I contacted CHIME and made a dispute, 3 days later, they rejected my dispute and closed the card. They gave me no information on why and provided little to no security on my checking account. The unauthorized transactions are from XXXX Now I have little to no money to pay my payments.
Product: Credit card or prepaid card

An account was placed under my name erroneously. Since then,  TD BAN K  USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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
Product: Debt collection

On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting XXXX XXXX XXXX as a creditor. The Convergent amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
Product: Credit reporting or other personal consumer reports

I went here to get a vehicle. After XXXX days of sitting around the dealership ignored and looked over we made a deal for a vehicle. The vehicle had hail damage and it was never disclosed on the website. The sales rep did not disclose this to me either, despite having communication prior to my arrival. The vehicle also had other broken components so they kept the car to fix it. XXXX days later I went to pick up the vehicle. As soon as I get on the highway the check engine light and tire pressure lights come on. I returned the vehicle, within minutes. A few weeks later I get notice from the lender saying I needed to provide insurance on the vehicle. When I call the company they have no record of a return and claim that I am still on the line for the vehicle payment. I called XXXX everyday, XXXX to 4 times a day to speak with someone in finance. I was constantly put on hold or told that someone in finance would call me back. I never spoke to anyone. After calling for a week, I received an email that they notified the bank of the return. At this point the account is listed on my credit report. This company is XXXX  and negligent in their customer service. It is hard to speak to anyone or get any resolution for issues.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraud alert website does not work company makes this very difficult my info was hacked from this company not protecting
Product: Credit card or prepaid card

I have many new accounts with XXXX XXXX. And just a few weeks ago the Bank closed all my accounts, I then received several letters in the mail, each letter was identical in its explanation. The letter pertaining to one of my accounts said that my account was closed for Dishonored payments on other accounts. All of the letters stated the same thing. However I was a victim of identity theft and fraudulent accounts were opened in my name at the same Bank. I reported these fraudulent accounts to the Police, FCRA, Attorney General Office, and the Federal Trade Commission. 

I have never had a dishonored payment on these new accounts. Since these accounts are new I never even received a billing statement or due date. However I did make payment on accounts that I did use, example my PayPal extra master card. I paid it in full and that was the only account I got to pay that hat a due date. 

This company is getting these accounts confused with the other accounts that were fraudulent. This company has totally destroyed my credit report and score. I have every documented letter from the fraudulent accounts that this bank sent to me. This company asked for many different pieces of identity to mail them. I complied and mailed them all documents. Apparently when they received my documents I was told by another XXXX  Specialist that they were confusing fraudulent accounts with my current accounts. My current accounts were never late and again I just opened these accounts a few weeks ago. Even before I got to use some of these accounts the bank put a temporary block on my account. 

This is really ridiculous and what they did to me, and how they clearly destroyed my credit reports. This company has made so many mistakes. Mixing up closed accounts and saying I dud not make on time payments, I have evidence and recorded conversations from Their XXXX   team stating I do not have any billing statements yet, I also have proof from customer service along with names, dates times and phone numbers. 

I want this bank to fix my credit and reinstate my credit, or fix the mess they made on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I never applied for credit with this company
Product: Student loan

I recently received a change in terms for my student loan servicer XXXX. It is a deceptive practice to give someone a change in terms notice that does not take into account the IDR Adjustment that was promised to me and still has not taken place. By XXXX XXXX own admission in their letter dated to me on XX/XX/XXXX I have XXXX qualifying payments toward forgiveness before the IDR Adjustment that was promised. I do not agree with their records crediting me with only XXXX qualifying payments and I should have well over XXXX qualifying payments had my loans not been mishandled by servicers. Additionally, I would have most certainly had over XXXX qualifying payments with the IDR Adjustment. If my account had been given the attention it deserves this adjustment would have already taken place and a change in terms would not have been required. 

Furthermore, my loan forgiveness date is XX/XX/XXXX ; as such XX/XX/XXXX, XXXX XXXX, XXXX equals XXXX years of student loans ( This would be equal to XXXX payments ). I should have never been required to make the payments I made to XXXX on XXXX ; XXXX ; XXXX ; XXXX and XXXX. 

Additionally, on XX/XX/XXXX I received general correspondence via email from the XXXX of XXXX listing eligibility for forgiveness ; I meet at least two ( XXXX ) of the circumstances for debt relief. 

XXXX ) Borrowers who owe more than they did at the start of repayment - My current balance on my consolidation loan is greater than the balance of the loans included in my consolidation loan when the original loans entered repayment. 
XXXX ) Borrowers who first entered repayment many years ago - I have at least one graduate loan, and at least one of the XXXX or graduate loans entered repayment on or before XX/XX/XXXX. 

After many years of my loans being grossly mishandled by the very organizations put in place to service them, I hope to bring this nightmare regarding my student loans to an end. I was told by XXXX that I must consolidate my loans by XXXX ( which I did ) to receive the IDR Adjustment to help right the wrongs made on my student loans by servicers ( them included ). Yet here it is XX/XX/XXXX, and I am still waiting for the Department of Education to right the wrongs and make good on their promises. I should have received forgiveness prior to the payments I submitted on XXXX ; XXXX ; XXXX ; XXXX and XXXX ; but the goal post continues to be moved and I am the only one who suffers. Please help.
Product: Mortgage

My mortgage servicer sent me the final modification agreement with the trial payment note and other documents. These documents were signed, notarized and XXXX back to PHH. The required trial payment was also made. I called my mortgage servicer customer service dept to verify they received the documents. I was told by XXXX ID # PDE there was an FHA Covid 19 that was better than the modification we had. 
He also told me they had canceled the modification I had and was working on another modification. I received by mail a denial for my previous modification that we returned to our servicer. Today XX/XX/2022 I was told I was denied, and it was to late for the modification. PHH has canceled my modification, PHH has bad servicing practices and I feel they are trying to set me up for a foreclosure on home. I have done what I needed to do to get my mortgage back on track but the servicer is giving incorrect information and not keeping up with my documents
Product: Vehicle loan or lease

I have a loan for a vehicle that I did not authorize. I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I have attempted to resolve issues with Experian, XXXX and XXXX for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$2100.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$450.00} XXXX - XXXX - XX/XX/XXXX - {$820.00}
Product: Bank account or service

, On XXXX XXXX 2016, I went into the Suntrust XXXX XXXX XXXX XXXX Branch, I had received a large deposit that went in my account. I went in to the bank and agreed to pay the entire amounts that I owed Suntrust for a closed checking and savings account. The banker added the amounts and provided me a with-drawal slip for the total amount due, there were two cashier checks made out to the department to which I owed, I have copies. I see on XXXX XXXX 2016 Suntrust processed a draft out of my other account for the same amount that I paid one account on XXXX XXXX 2016. I was never contacted by any representative from Suntrust, had they contacted me I would have gladly told them I had already submitted payment 10 days prior through the banker at the Brank. I do not know what happened by someone did n't research it, I did n't mail the checks the banker handled that I have receipts that it was paid, the original amount clearly shows in my account that this money was in-fact deducted from my account on XXXX XXXX 2016. This is the 2nd time that Suntrust took funds with-out talking to me or even attempting to contact me, back in XXXX I received some funds, I had gone into the branch and spoken to the bankers. I was told my account would be noted that I would make payments on the owed money, two days later they took XXXX out my account leaving with XXXX to pay my bills or even live on, although I new I owed money I had been assured that only the amount I had agreed to would be deducted.
Product: Checking or savings account

CFPB mishandled complaint # XXXX. CFPB should have contacted JP Morgan Chase ; to the best of my knowledge, they did not. There is no reference or communication from Chase, but the case was CLOSED based on XXXX 's words, not documents which banks must use to complete transactions. Therefore, this complaint is against Chase. 
Chase did NOT advise me, their customer, that items were returned and at one time the account was frozen. XXXX reports actions beginning in XX/XX/XXXX which were NEVER reported to me until XX/XX/XXXX. Chase has denied -- several times -- that they received EFTs from XXXX ; they deny that the account was ever frozen. 
The account was NEVER overdrawn : Chase emails notifications for transactions over {$150.00}. and reports when the balance is less than {$100.00}. 
I questioned their system in XXXX, XXXX and PURPOSELY overdrew the account with an EFT. I was notified immediately and the item was paid. 
JP MORGAN CHASE notifies me of all actions regarding the checking account yet they failed to point out the problem with XXXX BECAUSE they deny any irregularities with the account. Never FROZEN, no UNAUTHORIZED USERS, no OVERDRAFTS.
Product: Credit card

I applied for a credit card with Wells Fargo and was agreed that my interest would be 10 percent after two yrs. After the two yrs passed i noticed the company charges me 20 to XXXX percent interest. I notified them in requesting to close the credit card account and they refused. Note : I made on time payments on my credit card and have n't had any missed payments. I need assistance in fixing this because its damaging my credit and with me paying on time they still put me in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a dispute with Equifax when they would not take a collection off of my credit report. Well, when I paid for an Equifax credit report and an XXXX  report I was shocked at what I saw. While Equifax claims a XXXX ( Good credit score ) and they say XXXX  has a XXXX ( fair ) and XXXX XXXX XXXX ( fair ) credit score. 
Now I also paid for an XXXX  credit report and it states XXXX with a XXXX credit score ( good ) XXXX XXXX XXXX ( Good ) and XXXX at XXXX ( fair ) XXXX has a collection acct, but they say it's closed, but yet it is still on my credit report. The other companies have deleted the neg. acct. How can a closed acct still appear and is judged against me in getting credit? 
It would appear to me that these companies are manipulating credit scores and other accts on their reports to enhance their reports when people pay for the results. I can see when you pay for the report the results are very different than say XXXX XXXX. Why are these companies allowed to manipulate your report for their own self-serving needs? Information is being formulated to and displayed so you pay for their services. 
These companies should not be allowed to unfairly input or delay information that is on your report. People depend on these reports to get loans, credit etc. You have no control over what is on your report, they have the control which can make or break your loan and other things I think it is not fair nor should it be legal. These companies are the basis for what your credit rating is. If they decide to make it bad that is totally in their control.
Product: Debt collection

I paid my car loan in full was released from court, law firm is stating that they did not receive last check
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week Equifax improperly handled my wife 's and my own credit reports. They are offering a year of free credit monitoring through their own provider. Most likely our compromised information will come in to play years from now and could potentially effect us for the rest of our lives.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge Off XXXX XXXX XXXX - {$0.00} XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX  - XXXX XXXX {$1300.00} XXXX  - XXXX - {$7300.00} Late Payment SXXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} Bankruptcy Chapter 7 Bankruptcy - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Product: Credit reporting

Hello, Equifax has block/removed my profile information within their monitoring system ...! I use Equifax monitoring system to monitor my credit. Every since I responded to case number # XXXX. Showing that Equifax stated they an inquiry was not reporting to my credit, but once you look on their monitoring system, you can clear see the information still reported my profile ... Now, today when access Equifax Monitor System it displays no information at ALL!!! 

I have complained about Equifax adding a number of different account to my credit and report and they have yet to resolve the issue and I have got denied credit because of their errors ... Please see the attachment, which clearly shows Equifax Monitor and with no data for me, but I 'm a paying customer that had data before they were caught not being honest. 

My score was fine on XXXX XXXX and after that a number of BAD ACCOUNTS WERE added to my credit report by Equifax including a number of inquiries ... I have requested Equifax to place my account as it was on XXXX XXXX and they have yet to do so. 
I have attached both of those reports from the XXXX XXXX and XXXX XXXX, please see the difference.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$48000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

Experian issued a Dispute Resolution Report Number XXXX that was generated on Date XX/XX/year>. 

It shows 114 deletions from my CREDIT REPORT.

This has not been done and there are no DELETIONS on my CREDIT REPORT.
Product: Payday loan

I 'm receiving calls from D2 management at XXXX out of South Carolina. I have asked for them to send a verification of debt and they refuse. They have threatened to sue me and they wont stop calling me after I gave them a verbal cease and deist. They also hang up on me immediately after my request.