23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

while living at my dad 's house, my dad had rented a room to XXXX XXXX, I don't know much about her excepat she came from Michigan and she leaving to go in XXXX CA. She had accessed my room to my information, my accounts and opened up several credit cards. She also had access to mail box. I noticed everything after i ordered my credit report. I notified every one and I file police report also identity theft.gov i filed. Now every body says its over year you have to pay for charges how is that possible? i be responsible all this money? 
Sychrony Bank : - XXXX credit card - Gap Card - TJX Reward car - Banana Republic card All with sychrony bank, the investigation was done by the bank and i was notified by letter from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COOMERCE BANK ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent off 3 letters to Equifax, XXXX  and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.
Product: Credit card or prepaid card

I received an email saying that my phone number had been updated on my Capital One account. I forwarded the email to their Fraud department in accordance with their website. 

A few days later, I received a Capital One credit card in the mail which I did not apply for in any way. I called Capital One and told them the situation and asked that they immediately close the account. 

They finally agreed to close the account, but refused to tell me if any charges had been made so far. My fear was that the card info was being used for online purchases. Anyway, I don't know if charges have been made before I contacted them, or if I was sent this card as a deceptive practice performed by Capital One.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX. Firm offer of credit XXXX. Insurance XXXX. Employment XXXX. XXXX XXXX The following credit inquiries are related to none of the aforementioned permissible XXXX. Navy Federal Credit Union ( XX/XX/2023 ) XXXX. Navy Federal Credit Union ( XX/XX/2023 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character
Product: Mortgage

I received HAF funding in XX/XX/XXXX to bring my mortgage current to avoid foreclosure afer the pandemic. My loan was transfered to Selene Finance from XXXX XXXX after I requested a forbearance after my mother passed away in XXXX. 

After Selene received the HAF funding I was still in arrears and haven't been able to catch up, and we are in the settlement conference stage of the foreclosure process.

They caused me to be in arrears by adding charges after the HAF funding, and I consider this fraud.

I have requested the info from HAF also and they haven't responded either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A.States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/2022 I reported to Huntington bank that I was scammed through XXXX for {$560.00}. After calling in and being transferred to the digital department, I explained the incident to the lady who was very nice and a soured me they would look into it. I then informed her that I had documentation ( a text transcript of the scam ) but she said that they did need it because XXXX cases are pretty open and shut but if they did they would send a letter requesting it. She then provided me with a case number # XXXX and that was it. I waited about a week then I received a letter saying basically they werent going to refund the money. Which I believe isnt fair because they never reviewed the text proof that I had of this being a scam so now Im out {$560.00}.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and I need to remove all the stuff they put on my credit report
Product: Debt collection

On XX/XX/XXXX, I agreed to a month trial of the services provided by XXXX for nutrition. They increased the price I paid since I was not agreeing to sign up for the full 6 month contract and I agreed. I was not advised that I was signing up for a recurring monthly charge that would require 30 days notice to cancel. Therefore, in order to sign up for one month I would need to advise that I was cancelling on the day that I signed up. 

After the month was completed and paid for, on XX/XX/XXXX I was charged for a second time {$490.00}. I tried multiple times to contact someone about this and would leave messages with the answering service as the business can not be reached directly. Finally, XXXX XXXX called me back days later and advised that it was a monthly recurring charge. I advised her I had no knowledge of that and she insisted I signed the agreement. I received an email from their " support '' team finally on XX/XX/XXXX advising that XX/XX/XXXX payment would be my final payment and my membership was valid for the next 30 days. Therefore, in theory I should only be responsible for 2 payments of {$490.00}. 

On XX/XX/XXXX, i received invoice number XXXX in the amount of {$2900.00}. This assumes 5 payments of {$490.00} and a 16 % chargeback fee and a collection fee. I again tried to contact support with no response. Apparently, my messages were received and I received a revised invoice with no explanation on XX/XX/XXXX in the amount of {$1100.00}. This assumes 2 payments of {$490.00}, a 16 % chargeback fee and a collection fee. This invoice continues to be incorrect because I already paid {$490.00} in XX/XX/XXXX and that charge was not disputed or declined. 

Instead of correcting their erroneous invoice or responding to my calls, they sent my file to collections with Fein, Such, Kahn & Shepard. This debt collector sent me a debt collection bill in the amount of {$2800.00} which is a wholly inaccurate amount since my account has been cancelled since XX/XX/XXXX. I was only a member for 2 months which is $ XXXX  monthly. This debt collector did not verify the debt before contacting me or is trying to intimidate and harass me by including a larger completely inaccurate amount.
Product: Credit card or prepaid card

A while ago I found an app called self inc it is a credit building credit repair through secured loans and secured credit cards I should have done a little bit more research and read some reviews before I actually signed up for it but I was super excited to try to fix my credit I have been using them since XX/XX/2020 finally got the credit card 2 months ago I have paid in over {$1000.00} on the secured loan and have kept my credit card payments up and full the secured loan is for XXXX and the credit card has a {$250.00} Max limit this company has no customer service phones no way to get a hold of them if you have any issues I have had multiple issues a few types and they have been unresolved due to the fact that I can't get a hold of them I have emailed them a few times and they do not respond they have charged me for things on my credit card and I've got them refunded but they do not reflect the refund amount so I'm pretty much double paying for things and I do not have screenshots as I just realized this was happening. The math didn't add up my total money that I've paid is actually going down every day like they're taking money out of my secured loan account I'm not sure what to do or even if I'm in the right place but I really do need help resolving the situation because I feel like they're going to try to steal all that money for me they're already making it very difficult for me to get my money back
Product: Student loan

I am a United States  XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX   XXXX . To cover the cost of tuition acquired federal and private student loans. Shortly after acquiring my loans,  Discover increased my monthly payment to {$650.00}. I call Discover  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed . I called Discover a gain to explain my situation and I also explained that I had an arrangement with  XXXX  to cap my monthly loan payments at {$450.0 0}. Discover woul d not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my other debts  (  credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I could to keep my loans from going into collections. As I write this letter I still owe over  $     40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my de bts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are  one of t he reasons for my  XXXX .
Product: Student loan

I think I may be a victim of predatory lending when it comes to the terms and conditions of the private loan I had originally taken out with Sallie Mae, now Navient in 2007. The interest rate is insane and the amount that is taken out of my account automatically each month can change without notice or approval. I have been repaying this loan for over 10 years and still have 3 years of projected repayment for a loan that was under 10,000. I called Navient to try to talk about options and concerns with a representative who told me I had zero options because it is a private loan and the conditions were decided by the lender ; and could offer no aid or suggestions. The school I attended for which I took the private loan out is not even in business any longer and appears to have had many other complaints on legitimacy as well.
Product: Credit card or prepaid card

XX/XX/2022 I call chase for balance transfer. I give all the information regarding 3 accounts that I want paid. Representative and I stayed on phone for almost an hour with her and she took all the information. She claimed only the XXXX 's account could be paid digitally and that she had to send paper checks for XXXX XXXX and XXXX XXXX. She stated that it would take up to 21 days to be processed. Now 37 days later my accounts still aren't paid. My credit report has 2 late payment hits, I owe late fees and the actual Manager from Chase XXXX XXXX tells me it's my problem and for whatever reason, those were her exact words, THAT FOR WHATEVER REASON PAYMENTS DIDN'T GO THROUGH IT'S MY PROBLEM AND THAT THEY HAVE NO RECORDS OF ME REQUESTING THOSE PAYMENTS. But they paid 1 just not the other 2. Now she stated earlier in the conversation that they normally send a letter if the payment gets declined but my payment just wasn't processed so they can't do anything for that. So pretty much I put my trust in a large financial corporation like Chase and it's entities but I have zero guarantee as a customer to be protected or cared for because it's my problem. XXXX or something to that extent was her name. She hung up on my face because I was a little frustrated with the conversation as it was going but the best she could do was just hang up on my face. 
Now I have 2 accounts that I have to figure all out again because I can't trust calling back and getting a representative that actually cares, 2 late payment hits to my account, late fees, a credit card that now I regret opening but I can't close because I'll furthermore damage my credit and im super unhappy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got a letter stating that they were all authorized transactions. And I disputed them again. And I got another letter stating that they were authorized transactions and this continued until XX/XX/XXXX when they finally said that I could not dispute them anymore it started on XX/XX/XXXX when I called in because I could not log in on my online account and that is when I found out that my account was almost empty I only had XXXX left and I should of had XXXX, XXXX on top of the XXXX
Product: Credit card

American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX : Claim Notice Discrepancy in Billing Address ACCOUNTS- XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX Dear American Express XXXX XXXX I am writing to address a discrepancy regarding the name on the billing address associated with my American Express account XXXX As per the terms and conditions outlined in our agreement, I am hereby providing you with a claim notice to rectify this matter. 
Claim Description : Upon reviewing my billing statement, I noticed that the name on the billing address differs from the account name, which is represented in all capital letters. This inconsistency raises concerns regarding the accuracy and integrity of my account information. 
Specific Relief Demanded : * Immediate correction of the billing address to reflect the accurate name associated with the account in all capital letters and the lowercase letter name.

* Assurance that future billing statements and correspondence name will accurately reflect the account and correspondence letters to prevent any confusion or discrepancies. 
Notice Information : * Name : XXXX XXXX XXXX human benefactor to XXXX XXXX ACCOUNT HOLDER. 
* Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX * Phone Number : XXXX * Last 4 of Account : XXXX I understand the importance of maintaining accurate account information for both parties involved. Therefore, I urge you to address this matter promptly to ensure the integrity of my account details. 
Please acknowledge receipt of this claim notice within [ 10 business days ] and confirm the corrective actions taken to rectify the billing address discrepancy.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXXEnclosure : Copy of Billing Statement Showing Discrepancy This claim notice will serve as a formal request for corrective action regarding the billing address discrepancy, and it provides clear instructions on the specific relief demanded.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Checking or savings account

Today on XXXX/2018 my XXXX XXXX account was frizen without any notifaction!! No rmail no call. When i called i find out that because if early warning systems there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling early warning I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a XXXX XXXX who is already struggling! This was not the correct way to go about buisness for neither 3 companies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am unable to unfreeze my credit report from Equifax using their website. An error message is displayed saying, " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I need to have my credit report made available to lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn XXXX : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( XXXX, TransUnion, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX