23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannotfurnish 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 years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies present in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you furnish substantiating proof for the adverse status attributed to my accounts. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by the apparent lack of due diligence on your part and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FCRA VIOLATION BK OF MISSOURI/TOTAL CARD Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$420.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Repossession. {$12000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I signed up for the amazon prime rewards visa on the day of XX/XX/year>. I decided to close that account for some personal reason. I am writing this because that inquiry was promised to be removed after 2 years or by now. I even got in contact with experian since chase mostly used them, and they told me to contact chase which I did. I got into contact with chase representatives since its issued by chase. They told me numerous times we will take it off in 7-15 days but never have. To this day I have been waiting for it to fall off my credit report since its a hard inquiry and is ruining my credit score currently. This isnt right and I am not getting what I promised removed.
Product: Credit card or prepaid card

There is a credit card reported on my credit under the name of XXXX. I submitted a dispute to the credit bureau about this card and XXXX 's verified the account. I sent a letter to XXXX XXXX on XX/XX/18 requesting document on this debt. They sent me a fraud form to fill out and send it back to them. I sent it on XX/XX/2018. It's been more than 30 days and I have not heard back from them. However the account is still on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.XXXX XXXX Balance : - XXXXXXXX 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

I have sent IRS Not ice of Withdrawal of Federal Tax lien to  Equifax,  XXXX  and  XXXX  to delete the entry from our records, and they have not.
Product: Student loan

Navient the holder of my loan falsely reported i was 90 days delinquent on my student loan and ruined my credit now they refuse to fix there mistake!
Product: Credit reporting

XXXX XXXX was never disputed but has a remark about a dispute. XXXX XXXX is not aware of a dispute. XXXX was never disputed and the account has a remark. XXXX is not aware of a dispute. There are inquiries on my credit file that were placed in error. There should not be any inquiries for XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX. The inquiries were not authorized. Furthermore, I requested my XXXX credit account to be updated to reflect credit limit of {$2500.00} back in XXXX and it is still showing credit limit of {$650.00}. XXXX account has a balance as well.
Product: Credit card or prepaid card

My Credit Union paid off my citi card XX/XX/2019 and citi owed me {$380.00} overpayment They sent me the overpayment of {$380.00} and then charged my acct for the money they owed me contacted them buy computer, phone and credit agency,, all saying they would take care of it but instead ruined my credit.
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these accounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In year of XXXX i took plead deal on a sales tax for underreported sales it was a partnership. it was mismeanor offence. In XXXX i apply for credit card with Chase Bank they sent out my cards to me. within 2months they close my account. I wrote a letter to their excutive branch and they said, they decline me because I pleaded guity to a tax fraud in XXXX just found out this information today XXXX/XXXX/XXXX. I bank relation with other Banks i.e. XXXX XXXX XXXX, XXXX, and XXXX XXXX .. This happen 10 yrs ago in our XXXX XXXX .. please give me some direction what need to do clear my name with Chase Bank
Product: Credit card or prepaid card

Citibank credit card i have for over seven years and a exceptional customer. I always pay everything on time and have wonderful credit. About a month ago Citibank decreased my limit from XXXX to XXXX without my knowledge or any letters. They state they sent a email and letter and i still have not received it. I have reached out to them several times to even give me a reason why and they said when i did a transfer from my business account it declined. Which should never have happened. There was plenty of money in there. Both of my accounts went into this crazy negative status overnight hme in the morning they were back to normal. I almost had a heart attack. Since this happened they decrease my limit. It was not my fault. There was money in all accounts. I always pay my credit card off. I use it all the time for my work to get points as this has affected me very much. My work reimburses me and i always pay off. Please help me recover my credit increase. I have contacted all credit bureaus and they say i have impecible credit and never late and i have sent all copies to Citibank also and nothing is being done. I still have not received the letter stating why this was done and it is now going to mess with my fico score which i have worked super hard to keep At the level it is at. Thank you so very much
Product: Mortgage

I'd been living in this home for over 18 years. I had some financial issues and got a call about how they could reduce my payment. And within a few days, my mortgage was lowered. I never signed anything and didn't know the full extent of how and what they did. I've been paying on time and even began paying more on principal. I was told there is no escrow, which I don't fully understand. I've been paying for 18 years. I purchased the home for {$510000.00}, and I still owe {$480000.00} as of today. For the past year, I've felt that I'm being taken advantage of and even discussed that I will be paying over {$100.00} for this property over their contract. Last week my payment went from {$350.00} to {$820.00}! There was no explanation, just a bill for that amount. I called the mortgage company because I thought it was a mistake. They informed me that my escrow wasn't paid. I'm flummoxed, and now they want to offer an extension on the escrow account.I can not afford this amount, and the property isn't worth that amount. This is a predatory loan, and I do not know what to do next. This is the 4th mortgage company that holds my account.
Product: Mortgage

My mortgage was through loandepot until XX/XX/XXXX. The second portion of my property tax was due for the amount of XXXX, but was never paid by loandepot from my escrow account. In XXXX I inquired about my property taxes and was told they would investigate further and to not pay any taxes or penalties. My property has XXXX XXXX  because I am on a land lease. XXXX XXXX  is for the state body that owns the land, and this shows it being tax exempt, however, there is a second XXXX  that is for tax purposes. After calling multiple times, giving the appropriate XXXX, sending the tax statements, they continued to say I was exempt. Every week I would receive an email that says they were still investigating and that they would reach out, but that date continued to get pushed further until my loan was eventually handed over to XXXX. My escrow account was eventually refunded to me after loandepot performed an escrow analysis. Loandepot actually paid the first installment of the property tax in XXXX of XXXX. I eventually paid the taxes and penalties from my personal account because I did not want a lien placed on my home.
Product: Mortgage

We experienced a loss of income due to Covid and are now able to resume our payments and have been for several months now. I've applied for a loan modification and have been told by your customer service department to wait until my modification had been approved to make payments, I've since then submitted two applications, have denied a repayment plan that was way above my ability to repay and am now going on my second appeal.

I have falsely been led to believe by your customer service representatives from the beginning of my forbearance that US Bank would help me by deferring my payments at the end of my Covid Forbearance. Very disappointed and frustrated and stressed, with the situation US Bank has put me in. I have done nothing but provided the required documentation that is needed vi XXXX just to be told by your customer representatives that they were unable to open the document files I had send with no notice but a decline of my application. I then submit a second application and was approved for a repayment plan that was unreasonable. I'm now on my second appeal letter, for a denial of my application again due to my income ratio being less than 38 % and I do'not meet program guidelines. What are you program guidelines? There is no explanation of what the program guidelines are and what numbers where used to come to this number. I'm self employed, have a season business and my income varies. If I new what the program guidelines where I could have a clearer understating of what is required of me to modify my loan and get back to making my monthly payments. I believe your calculations are incorrect and would like furthers assistance with my modification, but I can not get the help I need and answers to my questions after several attempts to contact my relationship manager, and by the way I have never been able to het a hold of and is constantly changing. I would like a call back from someone who can give me answers to my questions.
Product: Vehicle loan or lease

On XX/XX/XXXX - 2020 Capital, one auto authorizes a loan for XXXX dollars to a person using my social security number. I call the company and they hang on to me after wait 2 hours at the line, nobody has an answer to what happened and they give a new car to a person whit out check the information. 
The car is a new XXXX XXXX XXXX
Product: Checking or savings account

My wife is an XXXX  from XXXX. I've had an account with Wealthfront for a year or so now and wanted to open a joint account with her, so we had to wait for her social security number to come through and for her visa to be approved. Once approved we started to open the account, and sent a picture of her permanent resident card with the letter attached to it showing the correct address, submitted a social security card with the letter with correct address attached to it, and have submitted a letter from her bank account with XXXX that shows her correct address on it, they are refusing to open the account and claim they can not open it unless I send them a copy of her bank statement showing the address. 

I feel they are discriminating because she is an XXXX, I've never seen any company let alone a bank refuse to verify someone's address with copies of literal federal documents, and a letter from her bank. I'm working on getting a copy of her statement to submit, but this is insanity. 

These are their requirements : XXXX ( Wealthfront Support ) XX/XX/year>, XXXX PDT Hi XXXX, Thanks for the email. You'll need to provide one of the below for address verification. 

Acceptable Address Verification Documents These can not be older than 3 months, must include dates, and must not be redacted : Residential utility bill Bank account statement Employers pay stub Insurance documentation Phone bill Mortgage statements The prior documents you've uploaded are not accepted documents for the address verification. 

She has no bills bc she has had no social, has no full time job, so can't provide a stub, has no insurance, so can't provide that, has no mortgage, so can't provide that, she could possibly get her phone bill, but it is paid yearly through XXXX XXXX. so the only option is a bank statement. 
This process leaves XXXX  with very few options to verify and open bank accounts.
Product: Credit card

I was charged {$170.00} in a foreign country by a travel agency under false pretenses that i did not have an alternative option. I did everything in my power to cancel the transaction in the moment and also I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me, the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.
Product: Credit card or prepaid card

On XX/XX/2022, the credit card company alleges that XXXX XXXX made charges approx XXXX to this account. This is not correct, and XXXX attempted to resolve the issue with paperwork faxed, they refuse to remove the charges. We are all at great loss and will not advise of their paperwork, and who got the money. It appears to be fraudulant activity by the company itself and it will not remove the charges or set me free as it is impacting my credit report as it shows a debt owed and they continue billing me. I have tried as well as XXXX XXXX to get the issue resolved and the company advises they will review and get back to us in XXXX days and nothing happens. I am needing great help for this fraud and extorsion for a sale of items I never received or got. XXXX XXXX can confirm all of this information.
Product: Student loan

In summer XXXX I filed for an income-based payment plan ( my Loans were w/ XXXX at that time ) and was told that I would have a $ XXXX monthly payment. I also filed for the Public Service Loan Forgiveness program and as part of that application, my loans were then transferred to XXXX XXXX. Throughout late XXXX XXXX I made $ XXXX/month payments ( despite being on a {$0.00} income-based plan ). In XXXX XXXX I started to receive odd bills saying that I had owed $ 800- {$900.00}. Since I am a resident with a tight budget, I called about this major increase in bills. I was then told that I needed to go in to forbearance if I could n't afford this. As a result, ~ {$4000.00} interest capitalized on my student loans. I then filed a complaint with Federal Student Aid, as a I felt that my payments had been incorrectly calculated and I had been unnecessarily forced in to forbearance. It took nearly 60-days to receive a response ( to be fair, their site says it may take this amount of time ), and they found numerous errors in my account. I was told that in order to fix they issues they would have to de-convert my loans back to XXXX and then convert them back to XXXX XXXX with the correct payment info. That has occurred, for the most part. However, as a result of that process, my income-based payment plan has fallen off and for the past 2 months I have had to make payments of ~ {$2500.00} ( that is 89 % of my monthly income! ). I have been told that the only option I have is to cancel my direct debit and just " not make the monthly payments ''. I have not done that due to not wanting to default on my loans and I also do n't want to file for forbearance and have additional interest become capitalized. Furthermore, during this conversion/deconversion process multiple loans installments have been marked as delinquent and are now on my credit report.
Product: Checking or savings account

I became aware of unauthorized transactions against my CHIME Checking Account associated with a VISA Debit Card. These charges were reported to CHIME on XX/XX/2023. CHIME was asked to file a Fraud Case. I verified my identity and I had my old card deactivated. 

CHIME was sent the Supporting Documents to back my fraud case on XX/XX/2023. CHIME was also called by phone, I requested a member of management of the Disputes Department in which I never was able to speak with management.

I have provided more than enough compelling evidence to back my claims. I also feel CHIME has ignored my docs, and my verbal request for management. 

I want my case reopened, I want this escalated and I want my evidence reviewed again. 

These charges are from out of the country and appear to be from an online account that was NEVER set up by me nor was the account ever activated and or verified. Funds should have never been taken without Account Verification and or without Identity Verification. 

Amounts withdrew fraudulently on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX and Experian are reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

" ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Payday loan, title loan, personal loan, or advance loan

I conducted business with XXXX XXXX for some home improvement projects and opted to take advantage of their XXXX interest alignment with Green Sky. I had made minimal payments on balance with full intent to pay off in full once I began to accrue interest. I am now being charged over XXXX in interest on a XXXX note that is in it's 13 month of a what I gather was a 12mo term. No issue on the whatever interest I presumed would be applied on the single month overage but they've tacked on over $ XXXX in fees which equates to nearly XXXX of the total balance/XXXX? How is this legal? I've spent time trying to decipher the monthly invoices and they intentionally make it confusing to comprehend - each bill would arrive with interest factored into monthly payment which shouldn't have been the case. Spoke with agent today who offered XXXX explanation, XXXX resolutions and little to no help.