23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Tuesday XX/XX/XXXX I completed a application online for a bank account and the XXXX was unable to verify identity. In bank 's computer database is an image of I from XXXX with a fake name XXXX XXXX with my person that is a XXXX XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the flesh owned by XXXX XXXX XXXX than issued a legal name for free finances and the XXXX has a fake name associated to I she uses to deny me finances. I am brain dead from pledge of allegiance without XXXX XXXX and I need assistance. A XXXXXXXX XXXX XXXX associate keeps interfering with for profit work force and customer when I plan to schedule appointments in the name of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that claimed to know the future and was supported by a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX  XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX Equifax are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX. Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and my family date the acct was open XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$690.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}
Product: Student loan

I, XXXX XXXX, am the cosigner on a Nelnet Parent Plus loan that my father took out for my brother who was a student at the time. My brother graduated from XXXX University in XXXX 2015 and the first loan payment was due XXXX 2015. My brother had been making consistent payments on his loans and each time he called, he confirmed the full loan balance. As a consequence, my brother, his father and I believed that we were making payments toward a consolidated loan balance that included the amount of the Parent Plus loan. We have come to realize that this was not the case after I received a negative comment on my credit report stating that I have failed to be current on a credit/loan account. When any of the parties to the loan call to find out what the responsibility is, the representative does not share any information on this loan unless you ask them specifically about any loan where there is a cosigner. This makes it very difficult to know my responsibility as a cosigner and has hurt my creditworthiness.
Product: Credit reporting or other personal consumer reports

I called each company on XX/XX/year>. 
Neither of them were able to find anything on file concerning running a credit report on me. They told me to call the credit bureau and the credit bureau would remove the inquiry. When I called the credit bureau, they told me to call the company and have them contact the credit bureau. The companies told me that they dont have any information to send to the Credit bureau and that they can not help remove the inquiry. And as you can see, all the attachments, XXXX XXXX ran A credit report one day and then the next day they ran another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a Capital One Spark Business Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called Capital One they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : //www.capitalone.com/small-business/credit-cards/spark-cash/ # disclosures
Product: Checking or savings account

I opened a checking account with XXXX associated with a bonus offer of {$320.00}. Although I met all the requirements, I received {$300.00}. I called customer service, but they didn't know why and also did not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was 1 hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig one of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit card

TD bank constantly and consistently shuts down my card for simple purchases ( less than {$5.00} ) at vending machines, XXXX, XXXX, XXXX, etc. and I can't call them to fix it, they refuse. They refuse to respond to multiple secure messages online. I have to wait from a call from them during the weekday to unlock it.
Product: Debt collection

In 2014 I was approved for in store credit with XXXX. I went and purchased a washer and dryer. A week later the merchandise was delivered but it had been damaged, scratched and dented up. I asked that it be replaced, a few days later they showed up with new merchandise but this was damaged as well. It was replaced a third time with more damages so I went into the store and spoke with the manager and had my account closed, they refunded my deposit and scheduled for the merchandise to be picked up. This all happened before my first payment was ever due. Now 3 years later it is on my credit report as if I still have the merchandise and as if I never made payments. My account was closed and merchandise was returned so why would this be on my credit. Now XXXX has sold my debt to a collection agency making it look really bad on my credit. It needs to be removed from my credit as it is a false debt and not mine. I refuse to pay for a debt that XXXX created based off of their wrong doing. I have fought and pleaded to have this resolved over the years and all they are telling me is to pay the debt, even though it has been acknowledged by the store that they were in the wrong. Every time I call they said they cant find my account but now I am getting collection letters with my account number on them. I feel they are saying they cant find it because they do not want to help me resolve the issue and get it removed. Please help me!! You are my only and last option.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife called our existing mortgage servicer, New Rez/Shell point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. New Rez Shell point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that New Rez is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a New Rez error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer that is disheartened and disgruntled. Originally I sent out a letter on XX/XX/2022 to Experian in reference to a bankruptcy being reported incorrectly on my credit profile I never received any proper verification for the reasonings why this was put on my credit profile I also sent in supporting documents from bankruptcy courts in my state, stating that no debt was validated And then put in a complaint on XX/XX/2022 still have not received any information on proper verification and sources from the company. This needs to be deleted from my profile immediately because there is no just calls nor was there any permissions or substantial evidence from any third-party as they claim to have received. This is hurting me as a consumer and falsifying information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  Account Number # XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

I filed a dispute with chime because I do not have a XXXX XXXX and I have these unknown transactions on my account. I requested the documents used and they provided XXXX that wasn't enough to investigate it im sure
Product: Debt collection

In accordance to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 section 604 A Section # 2 Also states a Consumer reporting Agency can not furnish a report without my Written Instructions 15 USC 1666B : A Creditor may not treat a payment On a credit card account Under an open End Consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2022 i recevied a copy of my consumer report nowI am writing to delete the following 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. 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 commissions identity theft affidavit. Please delete the items asa soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Product: Debt collection

First I did try to work with them on a pay plan got overwhelmed with it. They would start calling from XXXX XXXX - XXXX XXXX every day. They try to involve my family who 's numbers I never gave. My phone number can show they will call example XXXX, XXXX, XXXX so on. I have only so many people who can call and I have included my doctors, some family 's because I had to set the phone up to stop this people from getting thru. Help me please I need my phone back
Product: Debt collection

I moved in XX/XX/XXXX so from XXXX I was on a month to month lease and the lease was not in affect until XX/XX/XXXX! I never terminated the lease because it never started! On XX/XX/XXXX I called and stated I could not afford to stay there anymore prior to the lease going into effect which the lease was for XX/XX/XXXX I moved out and forfeited my security deposit of {$1000.00}. There were no damages and a few things left to be cleaned out which should have been covered by my forfeited security deposit. The property XXXX XXXX threatened that my credit would be affected even though I paid a prorated amount of {$380.00} and moved out before the next payment was due. There should be no reason I owe anything. I checked my credit today and seen a collection balance of {$2700.00} for XXXX XXXX XXXX. I contacted her to tell her that I cant live there anymore! They cant just charge me money that I do not owe. I packed everything I could along with my XXXX children INSIDE A VAN and left! I could not obtain steady employment and I communicated this with her and she told me the owner isnt going to like this and is going to find something to charge me with. That is exactly what they did! This is a violation of FCRA!
Product: Checking or savings account

Description of Complaint : Chime suspended my account for XXXX  that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included an alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended Chime suspended my account for that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included a alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended my account and required me to provide proof of address and my. And my current an expired drivers license. I am mediately provided documentation within 30 minutes via email. Additionally, the following day they indicated that I had to request a formal legal name change. Additionally, I responded immediately within 30 minutes and I immediately provided them with the documents that they asked for which was proof of address my current, an expired license, front and last date I initially also went to the motor vehicle commission to receive a updated copy of my license with my current address as listed on the chime account it has been over 96 hours. My account is still under suspension. The suspension has not been lifted. I have escalated multiple times to a supervisor with the last escalation being today I was informed I would be he was in review. This is the differently, causing an issue in my life. My hardship I have had bills which I have not have been able to be paid because this is my primary financial institution this is inhumane, as well as Discriminative of people at chime, who have falsely suspended my account, as well as not provided the proper level of empathy or customer service to resolve the issue. I am greatly depressed by this. I have been able not able to work because I have not been able to use the funds in my account to get to work or pay my bills my children have been Desired Settlement : Contact by the business ; Finish the job ; Remove suspension on account
Product: Mortgage

so here 's the deal. i bought a house last year, closed on XX/XX/XXXX and then right before i was to make my first payment, i was laid off. i immediately requested a 1yr deferral of payments per the covid bill which was granted. during that time, XXXX XXXX said their investors were also giving another 6 months on top of the 12 and i indicated i would like that just in case. 

shortly after, the loan was sold to Freedom mortgage who says they " arent sure '' if theyre offering the same 6 month extension even though theyve admitted that they have the same investors. they also fudged my paperwork and requested a restart of payments on XX/XX/XXXX instead of an EXTENSION as per the 6 months allowed by the investors, and on top of it, said my 1yr deferral expires this XX/XX/XXXX...... which is the 1yr anniversary of when i bought the house, NOT when i requested the extension. 

on the call today, Freedom mortgage said there was nothing she could do to get it out of a loan mod and in to an extension, and then when i said OK, you know what, i think its time i call the CFPB and the VA, she changed her tune to " oh you know what i can re request an extension '' when she said she couldnt 5 minutes before that. im over it now and clearly they are playing dirty, nor would she put in writing the requests i was making ( deferral for 6 months after initial 12 months expired, converted to 40yr mortgage and then interest only payments for the first 4 months after ). i told her this house has equity and i have a permit showing another 2 bedrooms im adding downstairs so you have nothing to worry about. 

time to possibly take l ; egal action or submit a complaint to you guys.