23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I authorized a Soft Credit Inquiry during a request for Pre-approval for an Unsecured Credit Card from XXXX Bank. The process stated that the application would have no effect on my XXXX XXXX. I was subsequently Not Approved for the Unsecured Credit Line and it resulted in a Hard Inquiry causing my XXXX XXXX to decrease by XXXX points.
Product: Debt collection

On XX/XX/XXXX, I received a updated request on a dispute I filed with my credit bureau XXXX XXXX  XXXX in regards to a debt collection from XXXX. I attested that the debt was not correct and the information provided could not be verified due to multiple reasons. I have made several attempts to contact the debt collector entity ( ARS Acc Resolutions ) to provide more detail in regards to the case and unfortunately all attempts were unsuccessful. On XX/XX/XXXX XXXX has decided to closed the dispute and claims that the debt has been verified and accurate. As stated in the recommendations in the following of the dispute. I have made an additional two attempts to contact ARS solutions and on both attempts the representative disconnected the call and placed me on hold for the third attempt. I am completely unsure of how to get any additional information in regards to the status of this case and would just like any further information before submitting any payments.
Product: Vehicle loan or lease

I applied for financing on vehicle and to trade in my current vehicle. When the dealership pulled my credit report, they found a repossession on my current vehicle perventing me from getting new transportation.
Product: Credit reporting

I filed Chapter XXXX wage earners plan and according to my lawyer, the Credit reporting agencies should report discharge debt as having a XXXX balance and state discharge, bankruptcy or similar, according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ). They are showing these accounts with balances and some with stating past due. I have been on the wage earners plan for 1 year and have paid on time. I am trying to pay, fix and rebuild my credit however, the debt I 'm now paying on time via my wage earners plan is still showing on my report like I have a balance with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GREATLAKES AND TWO OF THEIR CONTRACTED COLLECTION AGENCIES CONSERVE AND XXXX KEEPS VIOLATING THE DODD-FRANK ACT.CANCEL DEBT AND HAVE DEBT COLLECTORS PAY ENTIRE BALANCE 1099-C TO IRS TODAY.
Product: Credit reporting or other personal consumer reports

As an authorized agent for XXXX XXXX XXXX XXXX, I am concerned about the negative accounts showing on my business credit profile through your company with EIN number XXXX. After thorough review, it has come to my attention that these accounts are not being accurately reported. I am requesting to dispute these accounts and have them removed from my profile. They have already been removed from XXXX XXXX XXXX XXXX business credit, and I kindly ask for your cooperation in updating your records to reflect my business credit report as paid and up to date. I urge you to remove all delinquent or collection accounts from my profile and I thank you for your prompt attention to this matter. 
remove XXXX remove XXXX remove XXXX XXXX
Product: Credit card or prepaid card

was told they are not going to do a hard pull on m y credit score. it t hey did.. they lied ...
Product: Checking or savings account

I have had a checking account with TD Bank for many years. The account charges no monthly maintenance fee as long as my daily average account balance is above {$2000.00}. Beginning in XX/XX/year>, TD Bank started charging me a {$25.00} account maintenance fee without any notification or alerts to changes. I have online paper statements and online communications and never received anything from TD Bank stating that my premier checking account would start incurring monthly charges. MY account to this day still meets the {$2000.00} daily minimum balance criteria. 
In total as of today, XX/XX/year>, I have been charged 9 times, 1 for each month. {$25.00} * 9 = {$220.00} in unwarranted monthly fees. This is total fraud. You can not charge fees suddenly without alerting customers of changes.
Product: Student loan

Navient has been the hardest loan company to work with ; I originally had XXXX XXXX until Navient bought them out. I admit I have n't been promptly with the loan company as far as moving forward with payments, but every time I tried to work some sort of payment plan their representatives basically laughed in my face. Throughout my time in school I made monthly interest payments beginning at {$25.00} and ending at {$75.00}. Those payments did n't seem to make any difference on my loan. The interest is ridiculously high and they are n't willing to reduce my interest. Navient constantly harasses me by calling from XXXX all the way until XXXX at night from all sorts of different numbers ranging from New York to Washington. My most recent encounter with Navient was XX/XX/XXXX where my Account Specialist gave me a 1 % interest reduction ; my highest interest is 11.6 %. He offered or more or less told me my repayment program would be a 9 month period where I pay {$370.00} and then the XXXX-XXXX month I would pay my original monthly payment of {$1500.00}. When I asked if there was another option he told me that 1 % was as low as he could go. I really had no other option at that point. He also mentioned that I had to be in forbearance to qualify got repayment options ; which made no sense to me. After I agreed to the terms of this ridiculous repayment program we then proceeded to go through my monthly finances ; after the fact we already started this new repayment program. My Account Specialist stated that I was cutting it close every month and that I should pick up more hours, I already work XXXX-XXXX hours and sometimes even more than that & I 'm only a XXXX. I asked how much my payout amount would be and he said it was {$110000.00} ; my original principal amount was {$77000.00}, my loan accumulated {$32000.00} in interest, that 's almost half of my original loan. It 's clear Navient is not willing to work something out that is more reasonable let alone reduce the high interest.
Product: Credit reporting or other personal consumer reports

My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately.

Below is a summary of the data in which I am challenging if all reporting history is 100 % accurate and complies with federal and state laws.

Account Name, number, account type, details, bureaus codes, monthly payments, date open, balance, no of months, high credit, credit limit, past due amounts, last reported, comments, last account activity, date of last payment from all 3 reporting agencies on these accounts listed. 

Please fully comply to these accounts send me actual proof in writhing that each account listed is follow all regulations and complies with all applicable laws if not please remove all data reporting. 

XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for those violations
Product: Debt collection

I was contacted by a " Locating Service '' who gave me a claim number and telephone number to call. I called and was informed that XXXX and XXXX was attempting to collect a debt from HSBC Auto. I asked for more info on the debt, including the date of the last activity on the account. After getting info I realized that the date was well beyond the statute of limitations for this debt. The call person informed me that it was not, and that they could get a judgement against me, where it would report negative on my credit report and attach a 10 year wage garnishment. I was then informed of a settlement offer, which she didnt know the details of and would have to speak with her legal dept. I asked for verification of the debt, but apparently they didnt have to provide that. This company is using threatening tactics to try to scare people into paying back a debt they may or may not owe.
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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and information listed on an id theft report. The items in question are as follows : XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these items or authorize anyone else to do so on my behalf. This is a clear a case of identity theft and I am taking steps to report this to the authorities. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have not received Fargo Credit Card at all Someone else got all my cards and used them without my consent. Fargo Bank has not solve this issue yet. Fargo Bank has not Return all the Fraudulent payment which was charged to my Checking account. 
I do not have any Credit Cards with Fargo Bank. 
Fargo Bank is dragging this issue for yours. Therefore please assist me with this case to Have all My money back to mt Checking account in wells Fargo Bank.
Product: Credit card

Please remove XXXX XXXX XXXX XX/XX/2024, and XXXX XXXX XX/XX/2024 it does not belong to me.
Product: Money transfer, virtual currency, or money service

On the first of XXXX, XXXX I made a XXXX payment to an alleged XXXX XXXX Seller. While they did send me a tracking number, it was not associated with the alleged product & the product was never sent out. The person just took the money & never gave me the product I paid for. This was over XXXX. 

The money was sent via XXXX which is attatched to the banking app associated with the company. Before hand, I did not know about it. 

I tried to resolve this with my bank, but they did not rule in my favor. They implied it was my fault because I consented to send out the money and thus, I could not get it back. That is wrong because it makes it sound like it is the fault of the scammed, not the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - Thawed Credit at XXXX, XXXX  &  XXXX  fromXX/XX/XXXX-XX/XX/XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank : XX/XX/XXXX - Received REJECTION letter from Synchrony Bank Reason Denied : UNABLE TO ACCESS CREDIT BUREAU due to FREEZE : XX/XX/XXXX - Thawed Frozen Credit AGAIN from XX/XX/XXXX-XXXX XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank AGAIN : XX/XX/XXXX - Received another REJECTION letter from Synchrony Bank Reason Denied : NUMBER OF RECENT CREDIT INQUIRIES ( Source : XXXX  ) : XXXX XXXX Obtained XXXX  Credit Report and saw 2 hard credit inquiries XX/XX/XXXX and XX/XX/XXXX from my Synchrony Bank ( SYNCBSAM 'S PLCC ) applications : ISSUE/QUESTION : 1. ) Why did I get a rejection from Synchrony Bank on my XX/XX/XXXX Application for UNABLE TO ACCESS RECORDS DUE TO CREDIT FREEZE if as noted on my XXXX  credit report there was a HARD inquiry from Synchrony Bank on XX/XX/XXXX, XXXX : 2. ) Synchrony 's INABILITY TO RECOGNIZE that they ACCESSED XXXX  on XX/XX/2021 caused me to apply for the SAM 's Club Mastercard a SECOND time on XX/XX/2021 which led to the SECOND HARD INQUIRY by Synchrony Bank and the XX/XX/XXXX rejection for MULTIPLE RECENT CREDIT INQUIRIES. ( There were no other Hard Inquiries on my XXXX  Credit Report ) : Contacted Synchrony Bank- They told me to contact XXXX  to get the hard inquiries removed & if I still wanted the card, wait 30-60 days and reapply and see what happens. : Contacted XXXX - They said ( if I understood correctly ) I would have to have Synchrony bank issue a report to me which I would then forward to XXXX stating that the 2 hard inquiries should be removed. :
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Chase credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme XXXX  and XXXX. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( JPMCB Chase ). So because this address is listed on my credit report, it compromises my ability to find housing. JPMCB Chase corporation and its representatives have purposely lied and defrauded me over and over again.
Product: Credit reporting or other personal consumer reports

My personal information was breached through a staffing agency in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681. 
After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX XXXX XXXX I HAVE SENT IN CERTIFIED LETTERS DATING BACK MONTHS AGO NOTIFYING EXPERIAN THAT MY IDENTITY WAS STOLEN AND THAT I A FEW ACCOUNT HAD BEEN OPENED ON BEHALF OF THAT AND THEY HAVE FAILED TO REMOVE THESE ACCOUNTS AS FOLLOW. I HAVE NEVER DONE BUSINESS NOR HAVE NEVER SEEN THESE ACCOUNT S BEFORE IN MY LIFE AND IM TRYING TO SORT OUT WHY ARE THEY FRAUDULENTLY REPORTING ON MY CREDIT REPORT WITH MY AUTHORIZATION. I'VE ASKED EXPERIAN TO SHOW ME THEIR DETAILED PROCESS OF VERIFYING AND VAILDATING ACCOUNTS METHOD? STILL NO ANSWER ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AND FORGERY.SEND AN UPDATED COPY OF MY CREDIT REPORT ONCE ALL ITEMS HAVE BEEN REMOVED.
Product: Student loan

I have been making extra payments on my Nelnet serviced loans since I started making payments. My minimum payment is like {$120.00} a month and I have been paying {$200.00} a month. I just figured out they 've just been advancing my due date and applying the extra payments equally to my XXXX loans. XXXX loan has an interest rate over 6 % while the other is like 3.5 %. When I called them, first they told me that 's the only way to do it. Then they told me they do it that way to help me pay over my smaller loan ( with a lower interest rate ) first. 

There is no way to change the application of the payments online and you have to dig through the help to find out the only way to do it is contact them. I emailed them, did n't hear anything back and it took me a while, some yelling and 4 holds to get the folks on the phone to change it moving forward. 

The effect is they 've charged me a ton more in interest on the XXXX I have overpaid that went to the 3.5 % loan instead of the 6 % + loan ... it 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine; FCRA violation

XXXX  Account No.
XXXX
Original Creditor
11 XXXX XXXX  Derogatory
Original Balance
XXXX
Balance
XXXX
Date Opened
XX/XX/XXXX

XXXX XXXX XXXX XXXX TX XXXX  
XXXX  XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX Chrysler and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

There are several unauthorized inquiries as a result of identity theft. See additional attachments as requested by Equifax Information Services LLC Supervisor ( XXXX  ). 

PLEASE NOTE : This is my THIRD complaint submitted to Equifax. This complaint has been submitted to Equifax twice before ( dispute # XXXX and # XXXX ). Each time after the full 30 day period, Equifax has refused to remove the unauthorized inquires and requested additional and/or different documentation than time previously requested, This has been extremely frustrating, adding insult to injury after having my identity stolen, and my back-and-forth ordeal with Equifax representatives has been documented in Equifax Case Report # XXXX. 

For this third complaint submission I am including the following changes/updates : ( 1 ) a copy of a paystub to verify my SSN, ( 2 ) additional FTC identity theft reports that show the company names of unauthorized inquires in the INQUIRY section of the FTC identity theft report due to the FTC website only allowing a maximum of three company entries per report and ( 3 ) an updated cover sheet with my name, phone number, address, phone number and concern. All previously submitted documentation ( Driver 's License and Utility Bill ) will also be attached, for a total of SEVEN ATTACHMENTS, and resubmitted as a part of this third and hopefully final Equifax complaint submission.
Product: Credit reporting or other personal consumer reports

This is my personal statement that the inquiries that I have listed are fraudulent and need to be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, pursuant to 15 USC 1681e ( b ), my personal information must be kept 100 % accurate within my credit file.

See Attached identity theft report.
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 on 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 and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX