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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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 XXXXXXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX  : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.
Product: Checking or savings account

An unknown person withdraw {$8500.00} from my savings account in person at bank branch. 
When XX/XX/16 at XXXX This happen in XXXX, Tx while I was in XXXX, Tx ( 5 hours away ). 

Sequence of events : XXXX *unknown person ( UP ) show up at XXXX XXXX and acquired a sim with my number. 
XXXX XXXX  installed the SIMcard in his XXXX, I lost network in my phone *Once this XXXX  have access to my line, he download Bank of America application and was able to access my account to check balances and accounts numbers XXXX XXXX  went to bank branch and in person withdrawal {$8500.00} in cash from my savings account. 

I am opening this claim as I want to let the bank investigation team and CFPB know that XXXX got involved on this, this unknown person was able to get a SIM CARD and also withdraw money from a teller, what smart guy. thanks.
Product: Student loan

In XXXX, Navient had a principal balance of {$21000.00} on 4 loans. I made payments of {$120.00} a month, with a certain amount of the {$120.00} paid to each loan. I pay through Navient.com. On that page it shows my payment that is applied to each loans principal and interest. I paid a few dollars above the interest showing on the web page for each loan. For the entire year of XXXX, I paid {$120.00}, even though the accrued interest for all 4 loans was {$100.00}. Not a single penny on XXXX went towards lowering my balance. In XX/XX/XXXX, I was hit with a {$980.00} increase in my loan balance to where my new principal went to {$22000.00}. This affected my credit report as a derogatory remark, even though I was making payments above the accrued interest on all 4 loans. I called Navient and they informed me that the additional charge was for capitalized interest that had accrued on the account and that for my payments to go down, I had to pay {$880.00} first before I could begin to see a reduction on my principal. This information was not communicated to me in a timely manner. I paid the entire year of XXXX without being notified of this amount of capitalized interest. There was no letter, email, or notification on the website if this accrued capital interest. So now I have a derogatory remark on my Transunion credit report, my total principle went up from {$21.00}, XXXX on payments of {$120.00}, which covered the accrued interest of all 4 loans. Then my principal balance went up to {$22000.00} in XXXX. Why was I not notified of the status of the principal of my student loans? Why no notification in a timely manner? Why was this capitalized interest increasing in XXXX not showing in my balance in {$2000.00}? Why was this capitalized interest not showing on the website in XXXX? Why was this capitalized interest, which was accruing in XXXX all charged in 1 month in XXXX? Why do I have to make a {$880.00} payment to even begin paying {$1.00} towards the balance on my student loans? I feel this a violation of the Fair Credit Act. I feel the services violated the terms set by notifying the borrower within 30-60 days of a change, an increase in the interest. I believe it is a violation that Navient did not inform me that an {$880.00} payment has to be paid this month before a single payment can be applied to my principal.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$8900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After careful review inaccurate reporting accounts address is incorrect I have my identification included information not matching across all three bureaus XXXX XXXX reporting bankruptcy dept of aide duplicated accounts and amounts incorrect status invalid records not authorized by me loans opened without consent Furthermore, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ( BAPCPA ) requires that creditors provide a debtor with a notice of their right to dispute the debt within 30 days of receiving the notice of the bankruptcy filing. I never received such a notice from your company, which is a clear violation of the BAPCPA and USC code 11 U.S.C. 342.

As per the Fair Debt Collection Practices Act ( FDCPA ), a creditor is prohibited from making false or misleading representations to a consumer. In my case, your company has misrepresented the amount of debt owed and has initiated bankruptcy proceedings without providing proper documentation to support your claim. This violates the FDCPA and USC codes 15 U.S.C. 1692 et seq. and 11 U.S.C. 101 et seq.
Product: Consumer Loan

I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible?
Product: Mortgage

New CFPB Claim & Re-Opening of Claim # XXXX SPS ( Select Portfolio Servicing ) Committed Fraud and misrepresented their answer ( s ) to this Federal Government Agency & the CFPB. Additional concerns for misconduct, fraud and impending litigation for misconduct and illegal acts also enclosed should also be of concern to this agency for Crimes against the consumer committed by SPS. 

See all attached ( First Document is summary ) New Complaint or request to re-open and correct wrongful decision to close the file based on Lender 's fraud, Lies and deliberate misrepresentations to this agency in-order to win a favorable decision by the CFPB.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  and XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit card

XX/XX/year>. I was reviewing my email and noticed that I had several alerts about a new inquiry on my credit report. I immediately began researching to what prompted this alert. I then noticed that the inquiry was from JPMCD which turned out to be chase bank. I then reached out to Chase via phone and informed them that I had not submitted an application for a credit card. They then proceeded to tell me that the credit card application would be canceled indefinitely, I asked agent over the phone. What other steps I should take in order to prevent this person from applying to other agencies. He then stated that I should contact the different credit bureaus. I then reached out to XXXX and was able to freeze my credit report through them as well as file a fraudulent alert inquiry. They stated that the process to remove this inquiry from my file could take up to 72 hours, I then proceeded to XXXX, I was able to freeze my account Using the automated messaging system. I noticed that the inquiry was posted on XXXX and XXXX. I then reached out to XXXX via phone through an agent. I explained my situation and to my surprise I did not have the same process of eliminating this inquiry off my credit report. They stated I need to submit a police report or reach out to the federal trade commission and submit a written request in order to remove my inquiry. I then received an email from XXXX stating that my inquiry was successfully removed, but unfortunately it still appear in my XXXX report. XXXX was able to assist me in adding extra layer of protection. I have been trying hard to raise my credit score. I am currently not a homeowner and my goal was to have a decent credit score by the end of the year. Unfortunately, my information has been compromised and I hope that this issue is resolved promptly. Thank you for your attention in this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 Equifax 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Back when I had my vehicle I stayed in contact with JD Byrider the car dealership which I received financing. One day at work I ended up in the hospital where I ended up having XXXX XXXX. During the healing process I contacted JD Byrider and spoke to one of the financing agents that was at the location. During our conversation I let her know that I would be unable to cover payments and would like to return the vehicle. While we spoke she assured me that everything would be fine that I would not be charged anymore " they get the car back and we call it even ''. Me being young I had no idea that what she said would be a lie and I would have an impact to my credit score that I had no idea was there. This has ruined my chances to get a good reliable vehicle for a long period of time. An agent shouldn't be able to lie to someone about something as serious as your credit score.
Product: Credit reporting

They told me they would take it off my credit report which I did n't see it but the other day it 's reporting again and it says it 's been a debt since XX/XX/2016. Which it had been paid off and the debt is paid but it 's showing on my credit file and they are still reporting equifax and it 's hurting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I have a second mortgage with Ocwen Loan Servicing. After an principle payment online in XXXX 2016. Ocwen has since then inaccurately given variations in principle balances and fees. Online and paper statements have been confusing. After waiting 3 weeks to speak with personal relationship manager, no adequate response and was given another appointment was given to have them research it. I have been current on my payments to Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX & TransUnion processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at XXXX, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the TransUnion and XXXX online processes yesterday on XX/XX/XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by XXXX that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

TransUnion says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX  was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at XXXX. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX XXXX processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.
Product: Debt collection

I was contacted by RESURGENT Capital Service saying they a few accounts from LVNV FUNDING LLC that they have now. But On Saturday XX/XX/year> I received a message from a company called XXXX XXXXXXXX XXXX that they owned the debt for the same accounts. I feel like I am being scammed.
Product: Credit reporting or other personal consumer reports

I just received my credit report for XXXX and XXXX, and they told one of my Navy Federal loan accounts are not being reported by the bureaus.
Product: Checking or savings account

I am continuously having problems signing online and it take forever for them to send me an access code to sign on and when I complain to the bank someone will call back and feed me a lot of XXXX. But Im still having a problem. Just Sunday I was turn down with my ATM card and that has never happened. Most of the time I call the bank and I will get someone on the phone that can not understand me and I can not understand them. There are people in the united states that could answer the phone.
Product: Checking or savings account

Navy Federal Credit Union cashed a fraudulent cashier check for {$22000.00} using my account without any approval from My part. NFCU failed to stop the fraud, and failed to bring it to my attendance before casing the fraudulent cashier check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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
Product: Checking or savings account

BMO Harris Bank offered a {$200.00} bonus for opening a new account. I met the terms of the bonus, but they are refusing to pay, claiming that I live in the wrong state. The offer that they made had no such restriction. I read on the internet that they did add a geographic restriction after I opened the account, but they should not apply the restriction to previously opened accounts.
Product: Credit reporting or other personal consumer reports

A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy.
Product: Credit card

Account is set to close XX/XX/year> chime stated that I needed to remove any remaining funds in the account. I currently have {$810.00} in my credit builder account with chime. All transactions are being declined and ATM withdrawals are also being declined. I asked the company to explain why this was happening they stated that my account was being closed due to non compliance of there policy and could not go into any further details as to why it was being closed and also stated I would not be getting my remaining {$810.00} that is left in the account. That the account was not eligible for a refund