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

I am writing to follow up on my numerous previous communications regarding the fraudulent items that have appeared on my credit file. Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. If this matter is not addressed promptly, I will be forced to escalate my complaint to relevant regulatory authorities and consider legal options to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2800.00} 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 XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance Owed : {$2800.00} XXXX XX/XX/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 did not consent to, or authorize nor benefit from XXXX  of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a charge off for XXXX XXXXXXXX XXXX. That same reporting that is listing the account as a charge off also shows a balance of XXXX. The account itself was not mine to begin with. But there is clearly a flaw in their investigation when the account shows both charge off and an amount of XXXX. If there is no money owed on this account, it should not be listed as a charge off. You cant have a charge off for a XXXX dollar amount. Every time its updated theres a different remark with another item that is incorrect. As a matter fact, the trade line is now showing a charge off for the month of XX/XX/2023. When prior to this this account was many years old.
Product: Debt collection

I called to work out a settlement offer and the company said I have to contact progressive insurance to work out a settlement. This can not be done because it was passed on to the collection agency already. My rights allow me a settlement to fix this debt. Ad Astra only gives me option to pay in full. I called them XX/XX/2019. The amount is {$610.00} for XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX. Attempts to garner my wages without any explanation or any proof that I owe this debt. I have no idea what they are talking about and they never called me me to explain or put me on notice that they were going to take said actions.
Product: Credit card or prepaid card

I applied online for a XXXX XXXX Mastercard by First Bankcard on XX/XX/XXXX. I received notice of a decline promptly on line. Thinking there was some sort of error I called XXXX on XX/XX/XXXX which was a phone number they provided for such a situation. I was informed by XXXX I would receive a letter in 7-10 business days detailing why and that I was turned down due to a prior bankruptcy and too many credit inquiries. I did finally receive a letter dated XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. It did not site a prior bankruptcy. I did have a personal bankruptcy but it was discharged in XXXX and should not be part of any current credit decision.
Product: Credit card or prepaid card

At the beginning of XX/XX/XXXX, I utilized a credit score feature on my online banking and noticed that my credit score had dropped significantly. I requested my credit reports through XXXX and noticed that there was a delinquent credit card from Synchrony ( XXXX credit card ) reflecting on my credit reports. I have no recollection of applying for this credit card and I was under the impression that this credit card was solely under the name of my ex-boyfriend and that I was not joint on the credit card. Any other credit cards my ex-boyfriend had I was only an authorized signer and not joint so I thought this one was like that as well. I disputed the credit card through XXXX and received notification back on Thursday,  XXXX XXXX and they notified me that it was updated but the credit card was not removed. 

My ex-boyfriend and I had split in XX/XX/XXXX and at that time he had informed me that he was going to file bankruptcy. I requested that any credit cards of his that I may be an authorized signer he remove my name from. He then proceeded to contact all of the credit card companies to remove my name. He had contacted Synchrony in XX/XX/XXXXand he was told by a representative that I was not on the credit card. 
When I noticed that it was on my credit report, my ex-boyfriend contacted Synchrony once again on Friday XXXX XXXX and they informed him that I was in fact on the credit card as a joint. He had requested they provide documentation proving that I gave my authorization to be a joint on the credit card and they refused to provide it to him. 

I then sent in a secure message to Synchrony on that same Friday introducing myself and explaining my situation. I requested proof that I gave my authorization to be joint on the credit card and they responded back on XXXX XXXX with no documentation. I sent another message that day again requesting proof and they responded on XXXX XXXX with an attached periodic statement forXX/XX/XXXXwith my name on it but still no proof that I made a request for or authorized for this extension of credit. 

I am really trying to resolve this issue as it has been reporting delinquent for XXXX, XXXX, and now XXXX and has had a significant negative impact on my credit score and will continue to impact my credit negatively until this is resolved. Given this  impact, my decision to only be an authorized signer on his credit cards, Synchronys confirmation inXX/XX/XXXXto my ex-boyfriend, and the absence of any other negative reporting I am confident that this is an error on Synchronys part. However, I am willing to accept documentation that shows that I indeed requested this extension of credit, which I have not received despite four attempts I have already made.
Product: Credit card

XX/XX/2023. I lost my job due to contracting COVID-19 since then I have been unemployed. I have no source of income currently. I informed AVANT of this information back in XXXX. The representative that I spoke with submitted a The representative that I spoke with submitted a waiver for the late fees, and a request for me to be on a hardship plan. On XX/XX/XXXX I received an email from AVANT stating that my late fee waiver request has been denied. Not only did they not waive my late fee, they also reported the late payments to my credit bureau. My credit score has dropped over 100 points. There's nothing that I can do about losing my job due to contracting COVID-19, this company is moving unethical and I would like this situation to be handled immediately my credit report needs to be fixed being that the law was passed specifically for consumers to protect us and that is my right I am protected from the cares act and 15 U.S. code 16812 ( F )
Product: Credit reporting or other personal consumer reports

RE : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ). '' Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. * The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. * A computation error or other similar accounting error on a creditor 's statement. 
Upon conducting a recent examination of my redit report, I discovered a substantial amount of discrepancies.Based on my understanding, the creditor XXXX failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access tr verifiable evidence from the creditor 's financial institution that substantiate. 
nonpayment and late status, which can be attributed to an evident billing error. 
My consumer report states that each of the items below needs to be changed to paid as agreed-never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Student loan

I asked for my loan payments to be reduced or postponed until I started working again and they told me I do not have that option
Product: Debt collection

The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.
Product: Debt collection

Southwest Recovery Services at XXXX called me multiple times about a fraudulent account in my name. They say I owe {$6300.00} for an account with XXXX XXXX XXXX. I never set up an account and I told this this is identity fraud. I reported it to XXXX and XXXX. My record of payments for debt is perfect and I will not pay for identity theft. This started in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

there are 2 hard inquires in my XXXX credit report were NOT from me. One is from XXXX XXXX  XXXX inquired on XX/XX/2023. The 2nd one is from CitiRetail ServicesXXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX  card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Product: Vehicle loan or lease

I got the predator loan.I feel I'm being taken advantage of.My car is only worth XXXX $ my pay off is XXXX I pay {$300.00} every other week when I assumed it was only {$300.00} a month.I did not understand as much as I thought being I end up paying {$900.00} a month plus {$300.00} car insurance.I don't know why XXXX XXXX interest rates are so unaffordable and Bridgecrest want the money regardless when you would be better off in a XXXX XXXX for that rate...
Product: Debt collection

Our lease ended in XXXX 2023 and I inquired about final utility payment. The management company told me they would reach out in a couple months. Guess what? They never did and now I have a debt collector emailing us a couple months later and our credit score has gone down. This is absolutely ridiculous and unnecessary. Shame on you XXXX  XXXX. You already had lost our rental agreement and now this? Pathetic company. I want my credit score fixed and proper notice. What a scam of a company.
Product: Debt collection

Robocalls from " Transworld Systems Incorporated '', asking me to call XXXX for XXXX XXXX. It 's a phone answering service, nobody ever picks up, and I ca n't get any information on whom they are trying to contact or what the debt might be. And they keep calling multiple times a day. 
I 'm pretty sure I do n't have any outstanding debts - but these idiots keep calling, and not responding to messages left on their service.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This complaint regards predatory lending practices by Navy Federal Credit Union ( NFCU ) and has come to my attention by way of my XXXX sons who attend the XXXX XXXX XXXX in XXXX XXXX, NY. This issue is not isolated to this Academy and is likely the same at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. Most XXXX are encouraged to become NFCU members during indoctrination as the credit union is the only bank with a branch on campus. As part of their curriculum, XXXX must XXXX a minimum of one year on a XXXX XXXX XXXX XXXX and are required to establish accounts at NFCU to have their their earnings directly deposited. Please see the attached Navy Federal Credit Union " Merchant Marine Academy Career Kick-Off Loan Program '' application. This particular loan program is offered to any student in their XXXX or XXXX year ( XXXX or XXXX XXXX ). The only disqualifying criteria seems to be having another similar loan in existence. Due to the rigorous demand of the Academies most student do not have outside jobs. NFCU is offering loans up to {$32000.00} to individuals without income and the ability to repay and with minimal or no credit history or experience with debt. Should a XXXX accept the loan and then fail to graduate ( as many do ), separate from the military or fail to maintain a checking account at NFCU with Direct Deposit the loan reverts from the 1.25 % teaser " to the prevailing signature loan rate. '' This rate is not disclosed on the application. I asked my sons if they or any of their friends at he Academy knew what that rate might be. No one knew. I searched NFCU 's website for this rate. It is not published. I called the number on the application, XXXX XXXX XXXX XXXX and asked myself. At first, I was given a range of APR rates for the wrong term loan. Upon further clarification, I was finally given the prevailing signature loan rate for terms over 36 months at 13.95 % -18 %, based on credit score. I asked what a likely credit score would be for a XXXX year old with no job and no prior history and we agreed that it probably would not be qualifying for the lower end of the rate scale. I am sure many of these XXXX take these loans out having no idea their rate could increase 12 fold, payments increase by hundreds of dollars every month and end up paying almost 10 times more in interest! The Credit Union knows these XXXX have no Federal student loans as they attend tuition-free US Academies and therefore these represent lower risk and their loans would likely be in the first position for repayment. NFCU knows these XXXX have no jobs nor ability to repay, yet offer a ridiculously generous unsecured " signature '' loans. They do not disclose the terms should the loan " revert '' and make it difficult for someone like me with plenty of experience with loans and credit to even find out. This program hooks these men and women on debt and locks them in as members from an early age. If that is n't predatory, I do n't know what is.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft - Incorrect Reporting of Fraudulent Account Dear CFPB Representative, I am submitting this complaint regarding an account that continues to be reported on my credit file despite multiple attempts to have it removed. I am a documented victim of identity theft, and this fraudulent account does not belong to me. I have made numerous efforts to dispute this matter with XXXX, Equifax, and XXXX, as well as with XXXX XXXX XXXX and XXXX XXXX XXXX, but the issue remains unresolved. 

The account in question is : Account Number : XXXX Original Creditor : XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX has previously acknowledged my fraud claim and indicated that the account was closed, with a request submitted to remove the tradeline from my credit report on XX/XX/year>. However, despite their acknowledgment, this account is still being reported on my credit file, causing continued harm to my financial standing. 

I have attached a reference letter from XXXX XXXX XXXX confirming that the account was to be removed. This is my final attempt to have this issue resolved before pursuing further action. I request that the CFPB take immediate action to ensure that this fraudulent account is permanently deleted from all three credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me should you require any additional information. 

Sincerely, XXXX XXXX Attachments : Reference letter from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed
Product: Money transfer, virtual currency, or money service

The PayPal has banned/limited my Paypal account XXXX XX/XX/2022 they don't even give me a notification that my account will be banned.I have a XXXX funds to collect from them.They should explain what happened to my Paypal account.They should restore or lift the banned/limitation to my account so that I can continue my on going transactions.Thanks hope to here from your response the soonest PayPal account XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I signed up with XXXX XXXX from XXXX XXXX, which represents Freedom Debt Relief. She did was not explain in detail the fees Freedom Debt charges after specifically asking Ms. XXXX about how does Freedom gets paid. She advised me that Freedom only takes 25 % from the deposits that were made. 

Even after speaking with numerous customer service reps and even after a customer service rep that I contacted on XX/XX/XXXX, regarding one of my accounts being negotiated ( XXXX XXXX ), still did not explain that this account was being charged {$1100.00} alone which is 21 % of how much the loan was negotiated and I had numerous accounts that was going to be negotiated. 

On XX/XX/XXXX, I spoke with XXXX XXXX on the information and advised and from what the previous customer service rep advised to me, regarding my fees on each account that Freedom charges on each account that is negotiated. That is when I have decided to cancel my Freedom account due to not given proper detailed information that I asked for even after I specifically asked for, which kept me from making a sound decision of my options with freedom. 

On XXXX/XXXX/XXXX, I requested to cancel my account with Freedom and refund my deposit of {$910.00}. My payments were deposits and deposited into a holding account, therefore my deposits are entitled to be refunded back to me. XXXX XXXX advise my deposits will not be refunded and on XX/XX/XXXX, advised my Freedom Account will be closed. Freedom Debt wasted my time and my debts went into default therefore I had to file for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with USAA for decadesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me XXXX XXXX dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. 
I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to theiXXXX XXXX XXXX XXXX only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.