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

In XXXX of XXXX, XXXX  announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX  credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I checked my credit score through XXXX XXXX, which I do twice monthly. I found a negative mark on my Equifax report, a recent Chapter XXXX, dated XX/XX/XXXX. This is not mine, my son who is my junior did in fact file a chapter XXXX. I called and filed a dispute via phone with XXXX XXXX and XXXX that there was a problem and still as of today XX/XX/XXXX. that negative mark is still on my report and causing financial stress and harm.
Product: Credit card

I found that Wells Fargo reported to a credit reporting agency that I owed them a debt of {$420.00} on XXXX 2012 on a credit card account. I never opened a credit card account with Wells Fargo and have no knowledge of any credit card charges made on a Wells Fargo credit card in my name. I wrote to Wells Fargo and informed them of these facts. I also told Wells Fargo that I believed that these charges were fraudulent and suspected that I had been a victim of identity theft. I requested that Wells Fargo conduct an investigation into the matter and that Wells Fargo provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. Wells Fargo responded but refused my request for documentation and its response does not indicate that it conducted any investigation into my claim that I had been the victim of credit card fraud and identity theft.
Product: Student loan

I received a letter that they were forgiving part of my student loan because it was over XXXX XXXX XXXX. I called them to verify this was true and they said that it will be removed from my credit report in 90 days I pull up my credit report and find it says I owe more that I initially owed. So I go on there website pull up my account and there are all of these charges that I have never seen before. Please please please. I am thinking I owe XXXX and they have XXXX something. XXXX. I literally can't breath. How can they make crazy mistakes like this I have read hundreds of comments from people having issues with this loan servicer. As for dates and all of that I have the letter I have the screen shots from my credit report and from their website. Where do I send it?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

XXXX XXXX XXXX inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

Afterpay US Inc. didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 XXXX XXXX " Stolen Wallet/ Identity Cards '' XXXX XXXX Police Incident Report # XXXX Experian Credit Policy Fraud Protection Policy number XXXX Experian.com is DEMANDING PAYMENT of {$19.00} For a Credit Card that was Included in the Fraud Policy
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 dispute letters for Transunion to remove this bankruptcy # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with Transunion which means it was not verified and they need to remove it off my credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Student loan

Once again, Navient is raising my private loan payments without proper notice or explanation. The repayment amount keeps creeping up and I am fed up with trying to communicate with them so I am filing a complaint. 

My payments were set at around {$530.00} a month for the better part of XXXX into XXXX, and last month they were raised to about {$550.00} and now this month they are at {$560.00}. I do not know why they are being raised and it has not been made clear to me via any timely communication. Furthermore, my payments are almost entirely applied to an extremely high interest rate, with only around $ XXXX being applied to the principle of the loan. I contacted Navient in XXXX of XXXX and asked for an explanation of why that was, and was told they had no information on the issue. This doesnt make any sense to me. 

It is suspicious to me that on the heels of their lawsuit loss suddenly my payments are being increased, when they should be forgiven entirely. They have lied to me and manipulated my and my co-signers vulnerability at every turn, as you will see in the multiple complaints I have filed against them over the past several years. I have been bending over backward for their whims only to constantly have the rug pulled out from under me around every turn, and I am tired of the constant jerk around they give me. It isnt fair that I am constantly punished by them for working extremely hard to pay the predatory loans back, and I should qualify to have my debt forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received multiple solicitations from XXXX XXXX inviting me to apply for an XXXX Credit Card with NO IMPACT TO CREDIT SCORE for applying. Upon checking my credit report I noted a hard inquiry that I did not authorize from XXXX subsequently lowering my credit score by 37 points. I checked the offer again and confirmed multiple instances where no impact to credit score was advertised, however, upon, closer inspection I noted a small, barely noticeable footnote. This practice is deceptive and fraudulent. Had I been aware this would impact my score I would have never applied. Apparently XXXX knows this as well hence the bait and switch tactic.
Product: Credit card or prepaid card

I opened the account in 2012. The offering was XXXX miles award on XXXX XXXX after the first $ XXXX spent and XXXX miles every year thereafter. I did not see my award this past XXXX so I called chase. They claim that the bank did away with that promotion and switched to another offering. This unilateral switcharoo hardly seems legal to me. I expect them to honor the initial offering as it played a major role in opening an account with them
Product: Checking or savings account

My XXXX year old XXXX 's account is blocked by Citibank since XX/XX/2018. More than one week with no access to funds. We have been to the Citibank branch twice and complied with all requests. They can not explain why the account is blocked.
Product: Debt collection

Hello! I have a collections debt from Jefferson Capital on my credit report, in fact I have XXXX which all suspiciously showed up around the same time. Ive never heard from them nor even know what the debt is for, I had emailed them as well over XXXX days ago to no response. So I would like them to validate the debt they have for all XXXX, to prove that this is my debt and my accounts because I am certain it is not.
Product: Credit card or prepaid card

On XX/XX/XXXX, Monday, 2022. I got a notification from my experian app that a new account has been added to my credit file and I had not been the one to open that account. 

It was with Milestone for {$500.00}. I called them and they are aware that the account is fraudulent. It looks like they already paid 1 month off. This is the XXXX account to be opened in my name, using my social. The previous account is with XXXX XXXX Bank, for {$1000.00}. Which the company did NOT remove, for reasons I do not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain account listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

From being falsely advertised and finance manager waiting until my credit was run to tell me the price I disclosed and agreed upon mutually, was no longer on the table to multiple problems with a allegedly maintained maintenance vehicle. The problems and inconsistencies from this dealership has been a nightmare! I purchased a vehicle at XXXX XXXX of XXXX of 2024 and was told I will not be able to leave without purchasing warranty. I made it abundantly clear I will cancel warranty after XXXX XXXX because that what I was coerce to do. Within the first XXXX XXXX  the vehicle stopped with me and a series of problems XXXX up such as water dispensers were not working correctly within the same day of getting the vehicle. As the company ; XXXX XXXX confirmed prior to signing contract that vehicle was throughly maintenance and checks were completed. XX/XX/year> I went in person with filled document needed to cancel warranty. I was disclosed by the finance manager the process takes up to XXXXXXXX XXXX via text message. The total amount of warranty is {$2800.00}. Although I knew that was very long for a warranty to processed I waited XXXX XXXX and followed up for an update and was ignored. As per to the conversation had with the warranty company ; theyve confirmed it was not cancelled and information to initiate cancellation was not submitted until XXXX. The total refund was XXXX and finance manager confirmed the service department charged me for discrepancies and malfunctions that was not properly corrected prior to vehicle being in my possession. 

Refund from Dealership to my loan finance company consumer portfolio was not correct and the reasoning is not valid and or correct at all. I need this to be investigated please, this is affecting my credit and this inaccuracy will be reflected on my credit. 

Dealership : XXXX XXXX XXXX  Warranty company : XXXX XXXX XXXX
Product: Debt collection

I am constantly being harassed and threatened with legal action for a debt that is over 12 years old and has already had a negative impact on my credit score. 

The company 's name is XXXX XXXX XXXX XXXX ( XXXX ) XXXX. The initial debt was with Barclay 's bank Juniper card. 

I get at least two phone calls per week with these threats.
Product: Debt collection

About on XX/XX/2024, I got a letter from XXXX XXXX XXXX XXXX that I had a balance with PayPal credit card company. From the later, I figured out that the bank I need to contact for this matter is Synchrony bank. I looked up the website and got the phone. I called and explained that I have never opened a PayPal credit card. Synchrony bank started investigating the matter. The result was the account was unauthorized opened by someone else. I asked what I need to do with the letter from XXXX XXXX XXXX XXXX, the answer was I would not need to worry about that because Synchrony bank already sent a notification to XXXX XXXX XXXX XXXX. 

On XX/XX/2024, I got a notification from the XXXX court that XXXX XXXX XXXX XXXX has sued me for the unpaid balance. I called the Synchrony bank again and I got the same answer that the account was unauthorized opened and that the bank already senet a notification to the XXXX XXXX XXXX XXXX. I asked the bank sending me a letter as a proof that the account was unauthorized opened. Synchrony bank did send me a letter. I sent a copy to the court and to the XXXX XXXX XXXX XXXX to request that the case should be dismissed. 

I am currently working out of state. To show up at the court requires me to take 3 days off. From my earning, each day is about {$300.00}. Three days plus the air ticket would cost me about {$1000.00}. 

I have called XXXX XXXX XXXX XXXX and reported that I already sent in the proof provided by Synchrony bank. The employee from XXXX XXXX XXXX XXXX verified with me she received and that she would handle it to her XXXX. 

I have not heard from XXXX XXXX XXXX XXXX and I would like the case is dismissed. 

Attachment is the letter from Synchrony bank.
Product: Credit card or prepaid card

XX/XX/2018 I closed on a Home Equity Line of Credit with XXXX XXXX XXXX XXXX, the title company was XXXX XXXXXXXX XXXX XXXX XXXX. I received a paper check from XXXX XXXXXXXX XXXX XXXX XXXX to pay the balance of my XXXX XXXX XXXX credit card, which I took to the XXXXXXXX XXXX XXXX XXXXXXXX location on XX/XX/2018. When I went to make a payment to XXXXXXXX XXXX  XXXX On XX/XX/2018 my balance was way higher than I originally thought. After reviewing the XX/XX/2018 statement, I saw on XX/XX/18 an Adjustment - Payments of {$1100.00}. I immediately contacted XXXX XXXX XXXXXXXX XXXX, and was informed that my bank reversed the XX/XX/2018 payment. I immediately contacted XXXX XXXX XXXX XXXX and after a review was connected to XXXX XXXX. After her review, she confirmed that a check from my HELOC of {$1100.00} was distributed through XXXX XXXX 's office. I than called XXXX XXXX 's office and spoke to Ms. XXXX XXXX - XXXX, I explained what had happened with my account.She told that in XX/XX/2018 XXXX XXXX XXXX drafted their account twice, and that after many inquires and an investigation, that in XX/XX/2018 a reversal was granted and was told to resolve it myself. I told her I was upset that no one contacted me regarding the problem in XXXX or any other month. I called XXXX XXXX XXXXXXXX XXXX location and explained what happened to coach XXXX XXXX. After her review, I was informed that the XX/XX/2018 check was deposited electronically, and deposited, she than told me she would speak to the XXXX XXXX XXXX/XXXX XXXX XXXX. I than contacted XXXX ( XXXX ) explained what I was told by the XXXXXXXX XXXX  XXXX representative ( XXXX XXXX ), XXXX offered to send a copy of my settlement statement ( which she did ), and stated she would check with her manager on a course of action. When I called XXXX back she stated her manager said it was not their problem and to contact XXXXXXXX XXXX XXXXXXXX. I than called XXXX XXXX XXXXXXXX XXXX again and was told to contact the bank that issued/reversed the check. I than had to contact Ms. XXXX - XXXX ( XXXX XXXX ) since their bank issued the check. Ms. XXXX - XXXX stated the problem was what I had told XXXX the previous day, and that I needed to resolve it with XXXX XXXX XXXX. I then called to speak to XXXX ( XXXXXXXX XXXX XXXXXXXX location ) than went to XXXX XXXX XXXX  XXXX location to request help once more. I emailed the copies of the two checks, and was told she would contact the liaison. I than contacted Ms. XXXX XXXX - XXXX for a copy of the reversal, and was told it wasn't available because it part of a dispute. As of today the reversal was an electronic transaction between XXXX XXXX and the ACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX OF XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am submitting this complaint for an account on my credit reports that I have no knowledge of. I do not recognize this account what so ever, nor am I familiar with the original debtor. I believe that may information may have been obtain, compromised and used without my consent.
Product: Credit reporting or other personal consumer reports

I just recently reviewed my credit report on XX/XX/XXXX, and noticed some late payments for ( Acct # XXXX XXXX XXXX ) that were supposed to be on-time during the Pandemic. However, the creditor and I spoke and agreed that I was eligible for a loan modification, and we began to execute the modification in XX/XX/XXXX. After working tirelessly through multiple disputes to Equifax and phone calls to rectify the inaccurate reporting, I wrote a letter to the XXXX, XXXX and called again to inform the lender of the below reporting act but the problem still has not been rectified ( Letter enclosed ). 

SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall - report the credit obligation or account as current ; or if the credit obligation or account was delinquent before the accommodation - maintain the delinquent status during the period in which the accommodation is in effect ; and- if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Checking or savings account

XX/XX/XXXX at XXXX my chime accounts was hacked and XXXX was taken out. I have disputed 3 times and chime refuses to credit my money to my account. I need to escalate this because this is highway robbery. These were fraudulent transactions. I submitted documentation of my transactions and they have not resolved my issue. I call everyday and nonone is doing their XXXX right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/year>2024 XXXX XXXX  XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXXXX/2024
Product: Debt collection

Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent letters to TransUnion, XXXX, and XXXX requesting an investigation into inaccurate information on my credit report. All agencies responded within the 30-day window, indicating a zero balance. However, each agency reported different credit balances. Additionally, the debt was charged off, and I did not receive a 1099-C form. Delete XXXX  from my credit report immediately. 

According to the Fair Credit Reporting Act, XXXX Account XXXX has infringed upon my rights. Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of the information regarding the individual to whom the report pertains. FCRA XXXX5 USC 1601, part of the Federal Consumer Credit Protection Act, aims to provide meaningful disclosure of credit terms, enabling consumers to compare credit terms more effectively, avoid uninformed credit use, and safeguard against inaccurate and unfair credit billing and credit card practices. Regulation Z enforces the Truth in Lending Act, established in 1968 as title I of the Consumer Credit Protection Act.