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

My personal information has been compromised due to a data breach with Equifax, which I believe led to unauthorized access to my information. As a result, several unauthorized accounts, addresses, and names have appeared on all three of my credit reports. I have already contacted Equifax, who confirmed that my information was indeed compromised and provided me with the reference number XXXX. This situation has severely impacted my life, ruining my ability to acquire credit to buy a home for my family and obtain essential things for daily life. I am requesting that these unauthorized items be removed from my credit reports immediately. Please confirm receipt of this request and advise on any further actions I may need to take to ensure the prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed some inconsistencies. XX/XX/XXXX, correspondence by me was sent to Equifax regarding 2 XXXX accounts amounting to XXXX that I do not recognize, which would be considered fraudulent. XX/XX/XXXX, Equifax sent correspondence stating all was accurate. I sent them correspondence again in XX/XX/XXXX adamantly disputing that the information they are reporting on my credit report is inaccurate. XX/XX/XXXX, I filed a complaint with the FTC siting fraud. Since filing a police report in XXXX of XXXXof all the I accuracies on my credit report, much has not been done about it. I hope to get help from your agency.
Product: Checking or savings account

I received a text from my bank asking if I authorized a transaction for {$3400.00}, which I replied No as I did not authorize this transaction. I called the bank and they did not honor the payment. I then received a second text on XX/XX/XXXX with the same info asking if I authorized the payment of {$3400.00}, while I was reading the text I received a call from the banks phone # and was instructed to do a XXXX payment to reverse the charge which I was told was honored. The money went to some random account, a prepaid card of someone I do not know. The bank takes no responsibility, how did this person get my info on the first place. I was told by the bank that the person 's last name is my maiden name, how could they have this information unless a breach at the bank. Bank of America refuses to help and continued to put fraudulent charges thru.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX miles and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX XXXX call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXX XXXX held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than 100pts. 

I want them removed and my score restored.
Product: Credit card or prepaid card

I applied for and received a Bank of America  Travel Rewards c redit card. They claim that during the online application process I transferred a balance from another credit card at  XXXX . I DID NOT. Now I have a {$12000.00} balance at Bank of Americ a ( they  agreed to waive the transfer fee ) and a credit balance at  XXXX  of {$11000.0 0} ( they t ook out the {$1000.00} balance I had at the time ).  <P/> I can not get Bank of America to transfer the money back to  XXXX  and   XXXX   accounts are frozen due to a " fraud incident '' so I owe the balance because neither bank will work with me and in the meantime, I will be charged interest on {$12000.00} that I DID NOT transfer and do not have the cash to pay it off.  <P/> I am going to pay my balance with Bank of America but not the supposed " balance transfer ''.  <P/> Please tell me what I can do at this point to prevent the interest or put a lock on these accounts so that no further interest is charged until this has been resolved.  <P/> Thank you!!
Product: Student loan

Navient XXXX, XXXX symbol XXXX, is the worst company ever. They make it a business to rip off their customers. First, I am a on time payment customer. Just this month I receive a bill telling me that my loans are in deferment. This is obviously not the case as I have been making full principal and interest payments for the past year. Also I have graduated college in XXXX, so this makes no sense. Tell me how my loans get to be placed in deferment with out my authorization???? They do n't. What they are doing if fraudulent and unfair. Had I not noticed this, 1 ) One of my loans I would be paying interest only and NEVER paying principal. According to the contract I signed this would not be the case because as stated from years XXXX to XXXX I am on a full principal & interest payment plan. This lines their pockets with cash and me the consumer does not get out of debt. Talk about unfair business practices. 
2 ) My second loan is in a worse situation. According to them the loan is in " In School Fixed Payment Plan '' which is a euphemism for NEGATIVE AMORTIZATION. Tell me again how this happened?? I go from full principal and interest payments to a Negative Amortization plan. The problem with this is that the interest that accrues over the billing cycle does NOT get paid and gets added back to the principal. This increases your principal balance so you NEVER get out of the loan. I have about {$27000.00} in outstanding principal balance. {$250.00} in Interest is being added back to my principal balance. How does this happen when my payment plan is in FULL PRINCIPAL AND INTEREST PAYMENTS. 
THIS IS HOW THEY MAKE MILLIONS OFF OF UNSUSPECTING CONSUMERS. 
Finally, this is not the first time this has happened. This is the third time they have incorrectly represented payments.
Product: Credit reporting or other personal consumer reports

It looks like someone has accessed my credit report. Once more, I discovered a lot of things that I do not own when searching through my files. Due to my meticulous study, I discovered that credit bureaus are legally obligated to remove any things that are determined to be fraudulent as a result of identity theft, as stated in section 605b of the FCRA. I am not the owner of the contested objects. Please take these things out. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

CIG willfully and criminally failed to respond to a debt validation letter that I sent on XX/XX/2022. Which violated the law pursuant to15 U.S. Code 1611- Criminal liability for willful and knowing violation.

Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

CIG is also in violation pursuant to 15 USC 1692g ( b ) which states, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. CIG has tried on multiple occasions to collect the alleged debt and have not sent me a verification of the debt. Attachments are below.

CIG is in violation of 15 USC 1611 which states criminal liability for willful and knowing violation. CIG has failed to provide information they are required to disclose under provisions of this subchapter.
Product: Credit reporting or other personal consumer reports

I have been having issues with the credit bureaus in the past due to not having a social security number, my passport number has been associated as a SSN in the past by mistake. I eventually got my ITIN, and finally a SSN in XX/XX/2023. I have been correcting my credit reports with all credit bureaus and found out there has been multiple credit reports with different SSN. 
I am aware and confirmed at least one additional credit report using my passport number as a social security number with Experian, I have called dispute department several times and they won't help, or understand my issue. 

I have already contacted all my creditors and updated my social security number almost a year ago. 

It's not fair my credit history is in an old credit file and not in my current report with social security number. 

Please see attachments for cover letter and supporting documentation.
Product: Mortgage

I have had a mortgage with Fay Servicing , LLC and I asked and filled out all paperwork required for a loan modification because of a severe medical problem, I just can not make the payments because it is a variable rate interest only loan and the payment keeps going up beyond my ability to pay on time. We contacted them on XX/XX/XXXX and filled out all paperwork they gave us, then they did not respond at all for 3 weeks and after I attempted to contact them 3 times, they ignored my requests. I then sent them in a final package of paperwork which they said they never got ( stall technique ) I then found the USPS date of delivery of XX/XX/XXXX and it was delievered to them. They are not communicating back in a timely manner and I can not make my payments any longer. They are dishonest and deceptive in trying to stall our requests hoping we go away. I need immediate help to get them to accept our modification as it was written. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I signed up for this card and never registered for an account on the website. We made a purchase at XXXX on XXXX. I have tried to setup an account online since that purchase and have been unable to. I have called the customer service line and entered the card and it automatically directs me to the customer service line. It then says it will connect me to an agent but it says they are working to restore service and hangs up. To recap I can not access easypay, register an account and I can not speak to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, Equifax and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report
Product: Credit card or prepaid card

On XX/XX/2023 someone used my social security to open a XXXX credit card and used {$900.00} of the {$1000.00} credit limit in a city I never been too. I contact all credit unions and put a freeze.
Product: Checking or savings account

My account got restricted for no fault of my own. I had money in my account to make a purchase and Skrill declined it XXXX times. When I asked them why not only did thier chat bot say I had to only wait XXXX hours, but the next day I phoned a representative and they said by the end of that day. All my messages that I keep sending are saying resolved but nothing has been said other than lies. Skrill is stealing my money and placing holds on a fully verified account. This is theft and unfortunately wrong by all accounts. I want my funds out of my account so it can be closed! All skrilla online reviews say they are scam artist and thieves which is very true. This company needs shut down!
Product: Credit card or prepaid card

I have a Discover Card collections on my credit report that is not mine. I want it removed. It is affecting my credit score and causing me to have high interest and keeping me from purchasing a house. Please advise
Product: Mortgage

I refied my home w Qicken loans. After a few months I got a letter dt XX/XX/2021 from Quicken in the mail indicating that the loan was being transferred to XXXX XXXX  effective XXXX, 2021. I was also informed that XXXX would be contacting me. 

It is now XX/XX/2021 and I have received no info from XXXX XXXX  regarding the transfer. 

I am hesitant to send my mortgage to a new provider without receiveing confirmation from the new provider XXXX. I have received no communication from XXXX regarding an account number or information for where to send the mortgage payamen. I have continuted to send my XXXX XXXX  payment to Quicken. 

I think it is wrong for Quicken to move so quickly at short notice to transfer mortgage payment. I think someone should be accountable to ensure that this handoff is managed well so that the customer, me, get assured that we have been transitioned correctly to the new provider. I am afraid to send mortgage to a new provider with just an address. I want an account number at the new provider so that I am assured that my payment is recorded correctly. 

best regards, -XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 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.
Product: Credit card or prepaid card

I recently requested a {$1000.00} increase in my credit line with Capital One. I am a XXXX year old woman, separated from my husband for the last XXXX years. I received a letter stating my request had been denied on the basis of Your average monthly payment has been too low. The explanation that was provided by Capital One was Generally, if you make more than your minimum monthly payment on time for 3 months you can reapply for a credit line increase. 
Below is a report of my last payments for XXXX and XXXX 22 payments in all. Everyone of these payments were made in a timely manner and far exceeded the minimum payment required. As of this writing, at the highest amount of outstanding credit, the minimum payment is only {$100.00}. 
XXXX XXXX - {$350.00} ; XXXX - {$100.00} ; XXXX - {$250.00} ; XXXX - {$250.00} ; XXXX - {$100.00} ; XXXX -  {$100.00} ; XXXX - {$100.00} ; XXXX - {$500.00} ; XXXX {$250.00} ; XXXX - {$300.00} ; XXXX {$150.00} ; XXXX - {$300.00} XXXX XXXX - {$250.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$400.00} ; XXXX -  {$200.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$350.00} ; XXXX - {$500.00} ; XXXX - {$440.00} I did not receive any adverse action notice. 
I believe I have proven that the credit line increase should be granted in light of the fact that I have far exceeded Capital Ones requirements. I urge Capital One to be completely truthful in its response and not to add any additional requirements above the reason I was given for denial.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( XXXX  XXXX ) based on my Equifax report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an Equifax reporting error or a XXXX XXXX reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$510.00} from Resurgent/LVNV Funding is valid. I have no knowledge of this company or debt. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent.

Please remove this information from my credit report.
Product: Checking or savings account

On XX/XX/2022 XXXX money orders were brought to the BOA branch on XXXX XXXX XXXX in XXXX, NH. The bank teller deposited all three money orders but the teller separated them incorrectly and ripped XXXX of the money orders incorrectly. They kept XXXX of the money order and the actual money order receipt. They gave back XXXX of the money order receipts but also gave back a third of the money order. I had to do hours of research to figure out what occurred but since the teller made the mistake they have been unable to resolve it for me. They have taken {$500.00} out of my account due to their tellers mistake. They have shared that I need to wait till I get a letter with a picture of what they accepted to then attempt to resolve the situation. They have made no attempts to compensate or resolve the mistake their teller made.
Product: Debt collection

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.

XXXX  Account # XXXX  ( input accounts ), 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 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.
Product: Debt collection

On XX/XX/XXXX, I sent a formal written dispute to the collection agency ( before their stated deadline ), requesting full validation of the alleged debt, including breakdown of charges, proof of contract, and legal right to collect. They failed to respond, but reported the collection to all three credit bureaus in XX/XX/XXXX. This has significantly damaged my credit score. The account also reflects an inaccurate date opened of XX/XX/XXXX, though the debt originated in XXXX. I believe this violates the Fair Debt Collection Practices Act and am requesting full deletion of the item from my credit report. I am requesting the full removal of this account from my credit reports.