23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am still being affected by Covid 19, and I can not afford to make this payment still. I need another payment waiver until I go back to work. I thought this wasnt supposed to be do yet. But I need another waiver.
Product: Credit reporting or other personal consumer reports

Today, Tuesday, XX/XX/2023 I was notified about Equifax 's response, which is wholly unacceptable. They should NOT be requiring me to send sensitive information through the mail. There is no reason why this large volume of information should be required to be sent in any capacity period. 

The U.S. Government is enabling XXXX 's unacceptable behavior. The U.S. Government is NOT serving the entire American people when our government chooses to enable companies like Equifax, to close and ignore complaints. The Consumer Protection Bureau is basically pointless. 

... .... '' send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than XXXX years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ). You may send this information to address listed below. We have also mailed you a letter describing the documentation needed to verify your identity. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX '' ...... 

XXXX and XXXX did NOT require any of this nonsense to place fraud alerts. XXXX was actually user friendly and immediately placed a fraud alert on my file.
Product: Debt collection

I was oringinally late making payment went into collection back XX/XX/XXXX but the account has been paid off since XX/XX/XXXX and they are still reporting my account in collections. I have repeatedly contacted them about this issue but they have replied back to me that they will not remove it from collections. It is reported in collections XXXX.
Product: Mortgage

I was contacted by an independent CPA that the Aurora mortgage company that serviced my loan had written off the mortgage with the IRS as part of a chapter XXXX bankruptcy. She stated that the deed for the property would be sent to me from Nation Star Mortgage as they were servicing the loans. When I contacted Nation Star as to the what the situation was with the deed, they told me the paperwork had been straightened out. The independent CPA that handled the Aurora Bankruptcy said Nation Star was illegally collecting on the properties. I have had several problems with the interest rates not being updated on my loan in addition to an employee of Mr. Cooper ( formerly Nation Star ) telling me they could not service the loan as others due to the fact that they did not have any documents for the property. Additionally, the Company XXXX XXXX XXXX wrote the loan documents and stated that the load had to be reviewed if sold more than three times. This loan had been serviced by XXXX XXXX, XXXX, Aurora, Nationstar and Mr. Cooper. What should I do? Do I need to get the Chapter XXXX information from the IRS for the Aurora Bankruptcy or hire an attorney to check the excessive loan sales that breached the original contract?
Product: Checking or savings account

How did BOA allow an account to open without signature card. Then it took several attempts to get signatures added. Now we need to change the signatures, but BOA keeps changing the rules and forms required. I have been attempting to update the signature card since XXXX .... its now XXXX and the bank has informed us yet again that the forms THEY SENT are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the hard inquiries off my credit report but the customer service was no help at all. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I do not recognize and I called the creditor and they wont help me. 
XX/XX/2021 there were many hard pulls from XXXX, XXXX, and XXXX XXXX that I did not consent to and I have asked the creditors to remove them but they refuse to help. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I did not approve of and the company refused to remove it.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was used with the following accounts and companies without my knowledge Inquiries include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Accounts include ; XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$600.00}. XX/XX/XXXX XXXX XXXX XXXX {$590.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00}. XX/XX/XXXX XXXX XXXX {$280.00}. XX/XX/XXXX
Product: Debt collection

On XX/XX/2018 I have type out and mailed a certified letter to a creditor Conserve in regards of amount I owe of XXXX. I requested a validation, of competent evidence Bearing my signature, showing that I have ( or ever have some contractual obligation to pay them. conserve has failed to respond, or have my account disputed.On XX/XX/2018, I have written a second goodwill letter, in response to them ignoring my 1st letter. Evidence is in attachment, with name and account number.
Product: Checking or savings account

I have an account with CapitalOne, my account has been frozen ( for verification reason ) and I did not receive communication/notification about that. As a result of frozen status founds have been returned to sender ( XXXX XXXX, I have been been dealing for many days trying to get the founds sent to another account or getting a formal / physical latter from capital one that account is no longer frozen. 

Had I had been notified about the frozen block, I would have resolved the situation and received founds. It's $ XXXX that's been blocked which has been affecting my family very much since I'm the only breadwinner and I only receive founds via XXXX.
Product: Credit card

This is about my Chase Sapphire Reserve card. A couple months ago, I noticed a few fraud transactions in XXXX XXXX XXXX XXXX XXXX XXXX XXXX summing up to a XXXX XXXX XXXX 

I called the credit card company and report the fraud transactions. And they canceled the noted charges. However, today, XX/XX/XXXX, I got notified by my personal finance management app that there are several fraud charges again at XXXX which couldn't be my action. Then I log onto the Chase app and it turned out Chase put the canceled fraud charges again in a stealth way without informing me at all. If it weren't my personal finance app somehow picked it up, I wouldn't even notice they stole a few XXXXXXXX XXXX  from me. 

When I called the customer service, my call was passed around between a few " departments '' and ended up with a person who said my case needed special department to handle but they were off now. I would need to call again next week. 

The service had gone really bad with the company especially on these fraud detection and prevention. I had a couple instances last year and every time they would have to send me a new set of cards and it really disrupted my payment setup in many places.
Product: Mortgage

While I was XXXX, I had contacted a new Home Insurance provider due to better coverage at a lower rate. I had contacted the Company in question ( the loan servicing company ) XXXX ( Castle mortgage ) to see if I could pay the escrow covering my insurance so that they could issue a payment to the new insurance company. They explained to me that they had in internal process to re-issue a insurance payment, I asked them if I paid the amount directly into escrow if that would avoid the issue. They said that it should n't be a problem. I paid {$2000.00} on XXXX XXXX via their online system directly to the escrow Meanwhile, with my new insurance provider, they had not received the payment, and could not get in touch with me. They cancelled the policy in XXXX XXXX. The loan company then in XXXX XXXX sent the new check to the insurance company, who then immediately issued me a refund since they had already cancelled the policy. I opened the check, which was signed XXXX XXXX, late last week ( Friday XXXX XXXX ) to which I called the insurance company and head they had already cancelled the policy, prior to the Mortgage company not remitting payment in time. I had to get a NEW policy, covering a 64 day gap, which will cost me roughly an additional $ XXXX XXXXearly, and am worried the mortgage company will not remit payment in time from the escrow again.
***Additionally, I have been receiving loan services from this company, and believe that they are grossly overcharging me in escrow payments. I refinanced a couple of years ago to go from a rate of 5 % to 3.25 %, my payements according to the good faith esimate ( from XXXX XXXX ) said my new payments would be around {$1100.00} per month. Once the servicor ( who this complaint is about ) took over, they said that there was a " miscalculation '' in the escrow and now my payments have been over {$1500.00}, which is more than at the old interest rate.
Something does n't add up, and I did a minor calculation on what the escrow should be and came in much lower ( $ 449 monthly ) than the {$640.00} escrow payment they say I should be paying.
I believe my escrow has/is being grossly mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was a customer with chase slate for many years with no history of any late or delinquent payments. Although i had an open account with them i did not use the credit card for any purchases during 2017, to my surprise my credit score dropped due to a negative report by this chase credit card. When i contacted them I was informed there was an XXXX subscription charge in XX/XX/2017. I informed chase that i had no idea about this charge, as i received no electronic notification of a bill. Furthermore I was unaware of the subscription charge by XXXX to this particular account. Due to such circumstances, and my overall 15 plus year of stellar credit history where i never missed a payment I kindly requested chase to take the circumstances into consideration emphasizing that i had never missed a payment in the past. They refused which subsequently harmed my ability to apply for a business credit card.
Product: Student loan

Student loan with XXXX XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, XXXX and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach XXXX  XXXX XXXX, MOHELA to correct the situation. Loan has not reporting on XXXX.
Product: Student loan

I contacted my private loans and was told my severed father would be off of the loans. They refused to take him off, told me I had no repayment options, and are refusing to put my loans in in-school deferment while I am in school part-time. I have contacted them numerous times and never get anywhere and get told they will call me back. I never get a return call but etters 3 weeks later.
Product: Credit reporting or other personal consumer reports

I find myself a survivor of XXXX XXXX, a distressing form of XXXX XXXX  that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to XXXX  upon filing an official claim.
Product: Mortgage

My mortage was recently sold to a financial institution that I nothing about and I had no say in the matter as a consumer. My mortage was initially with Bank of America. My mortgage was with them for 10 years and in good standing. To my knowledge, I did not miss a payment in those 10 years. I have a checking, saving, money market, and credit card with Bank of America, so it came as a shocked that my mortgage was being sold to another financial institution without any choice in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. 

However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. XXXX XXXX XXXX ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXX and XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! 

I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called XXXX XXXX XXXX XXXX for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to XXXX/XXXX. I immediately submitted the application. I kept messing calls from XXXX XXXX during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that XXXX XXXX is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.
Product: Bank account or service

I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}. 

On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail. 

I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are. 

In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.
Product: Checking or savings account

On XXXX XXXX, 2020, in preparation for closing my account, I transferred all but {$50.00} to my new financial institution, taking into account pending transactions on the account, and leaving sufficient funds to cover any charges. At the time, I used KeyBank 's website to lock my debit card to prevent against future charges. 

The KeyBank website states " When you lock a card, it's temporarily frozen. That means we won't process any new purchases, ATM transactions, or recurring debit card payments until you unlock your card. '' ( screen shot attached ) On XXXX XXXX, 2020, I was charged multiple charges from recurring debit card payment transactions, causing my account to go negative. I called and spoke with a customer service representative who told me that, despite the language on the website, the KeyBank internal policy states that it may take up to XXXX hours for a lock to take effect, and customers are responsible for any charges and overdrafts that occur in that time period. Furthermore, she stated that the internal policy says that all recurring debit card payments, will also be authorized ( e.g. XXXX ). 

This information is in direct conflict with the policies published online. Their website is deceptive and harmful to customers, as it does not align with their internal policies and is punitive to customers. Furthermore, it makes it incrementally more difficult to resolve pending transactions on the account, preventing me from closing the account.
Product: Student loan

The XXXX form for 2015 included capital interest whereas prior year XXXX forms did not. I contacted Nelnet 's customer service several times to try to understand the change in reporting methods with no resolution. I have also requested a current amortization schedule of loan payments remaining on the loan, which has not been responded to. In general I 'd like to see how my payments have been applied to the loan, including several payments made directly to principal so that I can confirm they have actually been applied as expected.
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 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 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.