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

Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I XXXX and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   XXXX  TransUnion XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX  Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   XXXX XX/XX/XXXX Yes Yes XXXX XXXX XXXX. 
All Banks - non specific XX/XX/XXXX Yes XXXX  Mortgage Reporters XX/XX/XXXX  Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX/XXXX XXXX Credit Card Processors XX/XX/XXXX  Yes XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes
Product: Credit card

I use an American Express Blue Cash Rewards card which gives 5 % cash back reward on spending on gas and in supermarkets after spending {$6500.00}. I reached that limit in XXXX 2016. However, for the following months of XXXX, XXXX, XXXX, and XXXX Am Ex continued to pay me 0.5 % - 1 % reward as if I had not reached the spending threshold for receiving the higher reward. I contacted them numerous times over the past 5 months and was just given the runaround. My estimate is that they owe me between {$130.00} - {$140.00} in cash rewards.
Product: Credit reporting or other personal consumer reports

I have not been able to obtain a copy of my credit report and score as my right annually from XXXX, Equifax or XXXX.
Product: Credit card

This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears on my credit report.
Product: Payday loan

Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. 
Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help
Product: Checking or savings account

i have a account XXXX XXXX. I am a truck driver, i drove for XXXX XXXX XXXX this early year. XXXX XXXX XXXX gave me a check {$3800.00}, but it had not enough money, so the check returned. but XXXX XXXX XXXX gave me another check as same amount, i deposited it. and the XXXX XXXX XXXX was deducted the XXXX money. 
but the chase ask me for the XXXX XXXX XXXX phone number, then they can gave me the money. 
XXXX XXXX XXXX gave me a phone number, i told the chase, but chase said it is not the number they have in their system. 
so chase frozen my account, i have no idea, why ask XXXX XXXX XXXX phone number, i just work for them. how can i know their phone number. including my own money, i still have XXXX in the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my credit report with the following correct information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknow items on my credit report. 60 days has passed i have not received anything from any of the credit agencies. I feel like they have ignored my disputes and I feel they have taken advantage of me by not looking into my request. section 611 ( a ) clearly states that failure to investigates theses items within 30 days they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to stress and mental harm you it cause me. My information was also impact by the XXXX data breach which is a big concerned.
Product: Debt collection

This account XXXX  in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXX and updating this information on XX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to XXXX  on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from XXXX at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but XXXX   would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report XXXX indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but XXXX is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and XXXX is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have a PUA claim/file that was put on an Integrity Hold due to possible fraud on XX/XX/2021. I filed the appropriate report with XXXX XXXX fraud department. 

Once benefits were resumed for the PUA program, I applied to have my account reverified and for benefits to resume. XXXX did reverify and reopen my claim. I submitted 11 weekly certifications dating back to XX/XX/2021 to XX/XX/2021. Payment was processed for those weeks and payment was made on XX/XX/2021. On XX/XX/2021 I still had not seen a deposit come through for any of those weeks to my bank account - from the very beginning of my claim being active, funds had been direct deposited to my personal account. 

When I went into my dashboard to investigate, I discovered that someone had accessed my account and entered routing information and an account number for direct deposit that was not mine, as well as changed the tax withholdings to {$0.00}. The financial institution was listed as " BMO HARRIS BANK , N.A . ", account number ending in " XXXX '' and routing number " XXXX ''. The total amount processed and deposited to this incorrect account was {$7700.00}, on XX/XX/2021 via direct deposit. 

I immediately contacted BMO Harris Bank to solicit their assistance with putting a stop/hold on these payments, reversing the deposits, or any suggestions they had to remedy this issue. Clearly their bank was complicit in moving and disbursing funds that were fraudulently allocated. However, I received no such assistance. I was told that despite proving I have NO account with their institution, under my name or SSN, they could not put a stop/hold on the deposits or put any sort of a flag based on the account information I was able to share. They offered no practical solution beyond telling me to call CDLE and file a police report, and wait. Needless to say, there is a lot of time being lost while I make such calls without any action on the part of the bank through which these funds are being illegally obtained and moved.
Product: Student loan

I have been making payments for almost 20 years ( multiple servicers, selling one to another ), and last year the servicer Great lakes sold the loans to Nelnet, and my payment History shows 0 payments! They did not transfer my payment history. I am in Forebearance at the moment because I am not getting any income and for that reason, I don't have any current payments but how about all the previous years!? They need to put that in. 
In addition, their calculation of interest is absolutely extreme and very unclear. Since I went into forebearance this year, they have made it accrue {$3600.00}. I need a clear view of how this is calculated and accrued in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was a hard inquiry from XXXX. An unknown individual applied for a credit card with their bank. I did not and contacted XXXXXXXX XXXX  to report the fraud. It has not been removed from credit reports.
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with PENN CREDIT CORPORATION, they did not provide me with the original contract with my signature as requested.
Product: Student loan

My complaint is pretty simple. 
When I applied for my loan years ago in the early XXXX, I was advised that I was getting a loan via The Department of Education ... Lo and behold, I'm just now finding out that anything pertaining to student loan debt via the government doesn't apply to XXXX XXXX XXXX ( the company that has my loan ). 
My complaint and question is, when did it happen that my student loan is no longer under the department of education? And why doesn't it apply to benefits given to others during this pandemic? .. 

I was never under the impression that XXXX XXXX XXXX services were " not '' apart of the department of education, because I've always thought that they were, now we're in the middle of a pandemic, and I'm now finding that no benefits being afforded to other student loan recipients, will be afforded to those like myself. 
This is unacceptable.
Product: Money transfer, virtual currency, or money service

Cashapp froze my money and now I can't access it. I tried to contact them but they are of absolute no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is mailing letters to Mr. XXXX XXXX and Mrs. XXXX XXXX in the names of XXXX and XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. In addition, XXXX XXXX is inaccurately reporting a loan account in our names, MrXXXX XXXX XXXX and Mrs. XXXX XXXX, to Equifax, XXXX and XXXX. In XX/XX/XXXX, we mortgaged a residential property, XXXX XXXX XXXX XXXX ; XXXX, Georgia XXXX with XXXX XXXX  for {$51000.00}. Our closing attorney performed a title search on the property. The title search came back free and clear which resulted in XXXX XXXX authorizing the sale of XXXX XXXX XXXX XXXX XXXX, Georgia. In XX/XX/XXXX, we sold the home to a buyer with written authorization from XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, former Branch Manager/Assistant Vice-President of XXXX XXXX, XXXX XXXX, revealed to us a promissory note of a second mortgage loan, from year XXXX in our names that did not match our signatures. According to Mr. XXXX, the second mortgage did not meet XXXX approval guidelines and was fraudulent. The third page of the promissory note was duplicated with forged signatures. In XX/XX/XXXX, a Civil Action was filed resulting in a court order to restrain XXXX XXXX " from conducting any foreclosure '' on our former property. Even though XXXX XXXX authorized the sale of our former property in XX/XX/XXXX, Mr. XXXX XXXX and MrsXXXX XXXX XXXX has recently received notification from Equifax, XXXX, and XXXX regarding foreclosure action against the former property of Mr. XXXX XXXX and Mrs. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Reporting agency was updated by me and sent certified letter on XX/XX/23 of blocking of account due to account not mine and illegally reporting actions. Company failed to update personal consumer report within four days as required by law. Proof provided that account in question is owned by entity and not by me personally in which this account is being reported
Product: Checking or savings account

These unauthorized transactions removed funds my checking account. 
XX/XX/2022 {$220.00} XX/XX/2022 {$290.00} XX/XX/2022 {$6.00} XX/XX/2022 {$8.00} NSF charge resulting from unauthorized transactions. 
XX/XX/2022 {$36.00} Total amount of dispute {$560.00} XX/XX/2022 I notified the bank in person of the unauthorized charges. They said it happened on my card. I showed them the card. I never lost possession of the card. It is now cancelled. I still have it. I requested a refund in accordance with FDIC rules. It has been a month and the the bank has failed to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

Requested a forbearance from Navient on XX/XX/XXXX was instructed to make an XXXX dollar payment to enter into forbearance, on XX/XX/XXXX made the XXXX dollar payment and on XX/XX/XXXX I was issued a letter saying that I had n't made a payment. Called ( XXXX ) -XXXX upon receiving the letter, was told that my forbearance would be re-submitted and that I would remain in current status for my loan. I then made my student loan payment on XX/XX/XXXX and received an email on XX/XX/XXXX stating that I had n't made a payment. Once again I immediately called XXXX, once again I was told that there was no record of a forbearance but that my loan status was " current ''. Flash forward to today XX/XX/XXXX I received  a letter stating my student loan had n't been received. I verified that there is a charge payment to Navient from my checking account and now im publishing this complaint.
Product: Credit reporting or other personal consumer reports

In response to the recent investigation findings, I express my disagreement and request thorough accuracy in the review. My dissatisfaction stems from a belief that the efforts to contact the creditors reporting the accounts on my credit report were insufficient. Consequently, I am seeking additional information about these specific accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7900.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4100.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00}. As previously mentioned and in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I request a re-investigation of these disputed accounts. Additionally, please provide the names and addresses of the individuals or entities contacted during the investigation. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have XXXX ( XXXX ) days from the receipt of this communication to complete these actions unless I am notified otherwise. It is important to note that failure to verify these accounts within the allotted time frame constitutes non-verification, necessitating prompt updates to my credit report in compliance with Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to have personal information like names, addresses, and date of birth updated with Experian. Called and spoke with someone claiming my info would be updated.