23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My information was stolen and as a resulted there was identity theft and unauthorized hard inquiries on my credit report. These inquiries, which do not belong to me an do know were they cam from because it was done without my authorization, and because of it I have had a significant negative impact on my credit score. As a result of this inaccurate reporting, I am now facing discrimination from banks and credit unions, who may view my credit history unfavorably due to these unjust inquiries. This situation is not only damaging to my financial reputation but also limits my access to essential financial services.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and the Identity Theft and Assumption Deterrence Act provides additional protections for victims. I believe I am entitled to compensation for the damages caused by this situation and seek your assistance in rectifying it.
Product: Checking or savings account

On XX/XX/XXXX I had a fraudulent activity on my account and notified my bank. They gave me the provisional credit on XX/XX/XXXX then reversed it XX/XX/XXXX its impossible to get anyone from the fraud dept on the phone. I never got the explanation letter for the reversal.
Product: Student loan

Received a FCRA notice from Navient alleging a possible collection action, so in response I filed a request for Validation under FCRA. I requested that Navient prove the debt by supplying me with the promissory note between Navient and I. They claimed that my FCRA inquiry was frivolous and irrelevant under FCRA, simply because they cant prove the debt that they are collecting on void a promissory note. The FCRA is very clear what is to happen to debt that cant be proved!
Product: Student loan

Vermont Student Assistance Corp ( VSAC ) ignored my deferment request and has garnished my Social Security deposit and my IRS tax refund. 

My deferment request was valid based on 1 ) an existing deferment for another student loan and 2 ) economic hardship. In addition to the garnishment, VSAC harasses me with daily phone calls and letters. It is pressuring me to enter its repayment program with higher interest rate. 

I am single, retired and live on a fixed income. Prior to the garnishment, my monthly income was {$1200.00}. After the garnishment, my monthly income is {$1100.00}. My income consists of Social Security and a small pension. I am unable to work and hope to receive XXXX but am afraid to apply because VSAC will take it. 

I am in extreme financial distress because of this garnishment. I have XXXX cents in my bank account. I had to sell books to buy my last monthly prescription. I had to borrow money to pay my utilities after having them cut-off 2 weeks ago. I live under daily XXXX because of this which affects my medical condition ( XXXX ).
Product: Money transfer, virtual currency, or money service

My friend tried to send me money via zelle and it didn't verify who she was sending to. It simply asked her to create a name for new contact. Which delayed money to be sent. Nor did my phone number get notification to create a zelle connection. 
The 1st this happened was in 2018 when a friend accidentally mistranscribed my phone # and it went to another person who was saintly enough to return it.
Product: Student loan

My ex- wife and I had a spousal consolidation. My ex- wife has paid get portion of the loan and it has been court ordered that I am responsible for the remainder of the loan. I wanted the servicer Navient to reconsolidate the loan due to the court order but they are unwilling to do so. My ex is no longer financially responsible for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the response from Chrysler Capital and this account was, in fact, discharged in a XXXX XXXX Bankruptcy XX/XX/2021, The notes on my report should read as such. Account discharged in XXXX XXXX bankruptcy. Why is this such a long drawn-out process? XXXX is the only bureau that has not and will not update this information. XXXX XXXX XXXX was notified as well. The Bankruptcy Court did not receive any returned mail or email. How can the response say the account was not included in bankruptcy when I have court documents showing that it was? It's no wonder Santander was sued for deceptive practices. Chrysler Capital is even worse.
Product: Credit card

To Whom May Concern : Early Spring XX/XX/XXXX my employer XXXX told me that I was going through a back ground investigation, work they told me that I need to work on cleaning up my credit. When I return from the military XX/XX/XXXX, I came back from XXXX at the hight of the economic bubble overwhelm in depth. I was evicted from a family own home and did not have enough funds amount to pay my bill. I called XXXX on XX/XX/XXXX and talked to XXXX at XXXX, well she informed me that the depth XXXX dollar a XXXX was issued by the IRS and to your company that satisfied the depth with your company but infect your company is going to report 120 day late when the depth was handle. 

This was report two months ago as a 120 day late/or like I was paying on the depth and just quit this year, when infect this reporting will still hurt my score an was incorrect, my score dropped " XXXX '' points for a depth that was handle years ago. A XXXX was issued for the this account and I will take care of the depth with the Federal Government. 

I would like to just move on with my life then having a billion dollar company report incorrectly on a XXXX war veteran. 



XXXX, XXXX XXXX, CA XXXX WFA # XXXX
Product: Credit card

I ordered a Product online, in the delivery instructions I put " I have a gated property call me to open the gate do not leave on street. Those instructions were not followed and they left the product on a busy main street and the product was stolen. Ive filled a police report and sent it to them but they are not removing the charge from my account. It was {$1900.00} basketball court that was just left on the busy street side walk outside of my property line and gate and I was never notified that the item was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$300000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested my consumer file from lexis nexis and I realized some of the information like my email and phone number are on my report when they should not be there. On XX/XX/XXXX I contacted Lexis nexis disputing this information to be removed. Today XX/XX/XXXX I got an email from lexis nexis claiming they could not find my file. I find this to be a lie since I provided all my personal information, including my Consumer Number, XXXX and the Case Number, XXXX, still they claim they could not find me. Lexis nexis makes it very complex to request your report and also to dispute it. They are in violation of the FACTA act.
Product: Credit card

I would need your help disputing some charges on my Amex card made by XXXX. XXXX was the first company that I paid. They recommended XXXX to me to help me find drop shippers. XXXX promised me a great selection of XXXX. I found out after signing up with XXXX that a lot of the XXXX they identify charge for their services. I was very disappointed in the selection of XXXX and the additional costs involved. I received about XXXX coaching sessions from XXXX ( XXXX was my coach ) on how to access the site and maneuver around the site. After that I could barely get in touch with someone at their office. I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of XXXX dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.
Product: Credit card or prepaid card

On or about XXXX, American Express Cancelled my account. 
I found this information out on my Billing Statement received by me via the us mail on XXXX. 
I paid the outstanding balance off on XXXX. 
As the card was cancelled I needed to speak with a human. meaning I could not make an online payment as my card was cancelled by American Express. 
On the recorded line at American express I spoke with the representative and expressed clearly that this is a final payment of all of my debt, the gentleman agreed and calculated all fees and interest the Total payout was {$2500.00} transaction number XXXX XXXX. 
American Express then charged a late fee and interest closing date XXXX billing date XXXX {$50.00} was the statement bill for XXXX American Express hired XXXX XXXX to collect on this debt. 
American Express has reported to all 3 credit agencies on XX/XX/2020 and XX/XX/2020. 
I, paid this debt off completely with a human on a recorded line at American Express I would ask that all strikes to my credit score be righted. 
I paid my debt to American Express on XXXX
Product: Credit card

To begin with I received the following mailer in XXXX 2015 - '' Exclusively for Marriott Rewards Members - Elite XXXX Program offering XXXX bonus points with the Chase Visa Credit Card when you spend {$2000.00} in the first 3 months '' - Around the middle of XXXX I called the toll free number XXXX and requested for the Marriott Visa Card. 
The Lady accepted my request and applied for the Chase Visa Credit Card from Marriott Rewards ( subject to approval ) and said that I should receive the card in 1-2 weeks. I clearly discussed the XXXX bonus point option offered by this program and expressed the fact that the only reason I am applying for this Card is because I will spend the {$2000.00} within the first 3 months/billing cycle and want to avail the XXXX elite points on my Marriott Rewards card. 
I received the new Marriot Visa Card from Chase around XXXX XXXX by first class mail. I called to activate the Card on XXXX XXXX and started spending on the card. From XXXX XXXX through XXXX XXXX I made purchases in the amounts of over {$6000.00} - BUT TO MY SURPRISE I was only given XXXX elite points in my Marriott Rewards Account and NOT the XXXX points as promised. 
I first called Marriott Rewards and the Chase XXXX customer service around XX/XX/XXXX and complained the fact that I only see XXXX points instead of XXXX and they said to wait for a few more weeks. On XXXX XXXX I again double checked and called back to talk to the manager XXXX who said that he is going to send an email right away requesting for the additional XXXX points. Nothing happened after that - So once again I called both the Chase Card Customer service and requested for a manager. The super visor XXXX came on the call and said that I had signed up for the {$1000.00} / XXXX Bonus Points program and not the XXXX program - which is NOT TRUE because the number I called ( given in the mailer above was dedicated for the XXXX program ). So I called the same number XXXX again and put both the parties in Speaker and clarified the fact that this number which I had called in XX/XX/XXXX to sign up for this Marriott Card is dedicated for the XXXX program and so I did not do anything wrong on my part. 
I have been with Marriott Rewards as a Platinum member for over 7 years as I used to travel every week. Last XXXX years due to the nature of my contract I was working remotely 95 % of the time hence my Marriott Status dropped down and the only reason why I signed up for this program is to hike the points/status. 
I find this simply a utter mis-communication between XXXX and Chase and I should not be the one suffering for this. 
My Rewards number is XXXX and my contact number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Franklin Collections requesting them to verify that a collection account for {$670.00} they are reporting to the credit bureau was mine. As of XX/XX/XXXX Franklin Collections has not verified nor replied to my request. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX, Franklin Collections replied on XX/XX/XXXX stating that I needed to contact XXXX XXXX XXXX/XXXX  XXXX directly to resolve the issue. I contacted XXXX XXXX XXXX/XXXX  XXXX  directly and received a letter on XX/XX/XXXX from them stating that I was not responsible for the debt. I was told by XXXX XXXX XXXX/XXXX XXXX  that Franklin had also been notified that the account does not belong to me. On XX/XX/XXXX I filed a dispute with XXXX, I enclosed the letter from XXXX XXXX XXXX and police report. On XX/XX/XXXX I received the dispute results from XXXX  stating that the Franklin Collection had verified the account to be accurate and belong to me. Franklin Collections has not verified the collection account and is reporting false information to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, Experian has reported two fraudulent debts added to my credit report by XXXX XXXX XXXX. Despite disputing these debts, Experian has not provided adequate proof of this debt and refused to remove it from my credit report. The debts are as follows : XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} I have requested proof of this debt from Experian and XXXX XXXX XXXX and received no proof. In addition, XXXX XXXX XXXX continues to report this debt on my Experian credit report, using unethical tactics to negatively impact my credit score, tactics such as adding {$1.00} to these fraudulent debts, then removing {$1.00} and periodically flagging the accounts. Over the last 6 months, I have disputed this debt several time through Experian 's dispute process, the most recent results of this investigation being completed on XX/XX/XXXX. Again, these debts remain on my credit report and continue to damage my credit worthiness, despite Experian not providing me with verified documentation that this debt belongs to me, proof that corresponds with my name, date of birth and social security number.
Product: Debt collection

The Company SEQUIUM ASSET SOLUTION, XXXX XXXX XXXX XXXX XXXX, XXXX has repetitively called and sent letters while reporting to my credit report in the amount of XXXX. I have called and written them asking to stop all communication but I am still seeing them on my consumer report which is still a violation of 15 USC 1602 C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the con-sumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon re-ceipt.
Product: Debt collection

XXXX XXXX XXXX sent Valentine and Kebatas at XXXX XXXX, XXXX XXXX. to threaten to take away my SSI benefits but I only get {$520.00} a month and XXXX from an accident and in XXXX XXXX on XXXX XXXX after two XXXX  both XXXX  and XXXX. My last XXXX  was XXXX and I am still not healed from that one. I read that SSI can not be garnished but they are persisting at XXXX XXXX XXXX calling me day and night threatening to sue me and garnish my SSI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

In XXXX of XXXX, I received an offer from Bank of America regarding a cash bonus I would receive if I both closed a refinance mortgage with BofA and opened a new accounts ( s ) with their partner Merrill Lynch totaling {$450000.00}. and kept the account open for 9 months. I closed the mortgage with BofA on XX/XX/XXXX. On XX/XX/XXXX, during a phone call with Merrill Lynch employee XXXX XXXX, he confirmed that I would receive {$1200.00}. within several weeks of the 9 month period which would have been XXXX, XXXX. When Merrill Lynch negligently did not deposit {$1200.00}. into my account and XXXX XXXX would not return my phone calls or e-mails, I reached out to XXXX XXXX as she was my first contact at Merrill Lynch regarding the cash bonus. Ms. XXXX reached out to XXXX XXXX and finally, I received a phone call from him in XX/XX/XXXX in which he assured me that I would receive my cash bonus. That never happened. 
Not only have I not received the cash bonus as promised, I have also been harmed financially. In order to keep my new accounts with Merrill Lynch at an average balance of above {$450000.00}, I liquidated over {$120000.00}. from my high yield savings account at XXXX XXXX during the stock market correction in XXXX of XXXX and transferred the funds to Merrill Lynch. In doing so, I lost hundreds of dollars in interest that I would have earned had I kept my savings in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX I ask them to take XXXX XXXX XXXX off my report that not my address never stay at that address they told me they couldn't all they did was updated it i also I go by one name and that XXXX XXXX I ask them to remove all the other names and nothing happen
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION.

RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! 


I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by Equifax and XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

american express closed my account on XX/XX/XXXX for no reason i was a client since 2002 and always paid my bills as of my last statement i had Membership Rewards Points XXXX they told me on XX/XX/XXXX i would have 30 days to redeem them and later said there gone there worth at minimum XXXX cent each
Product: Mortgage

Hi, Fay Servicing is my current loan servicing company. I am trying to refinance my mortgage with another company and Fay Servicing is refusing to turn over the collateral documents for months such that now I either pay a penalty to extend my interest rate or forgo XXXX and pay about {$5000.00} in extra taxes. I have emailed them and they do not respond. I called and left a message with a loan officer and I have not gotten a response. Can you please help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a Massachusset Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, Mass. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX I. XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

under federal law 15 U.S.C 1681 section 602 A I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish info on my accounts without my written instructions. 

Experian XXXX XXXX All 3 of these reporting agencies have posted on there sites about a XXXX XXXX XXXX that I have not given written permission to do so and are violating my federal right to privacy and I would like that report removed.