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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

Please carefully review this complaint, as it was submitted intentionally. My credit report contains mixed information, and I have repeatedly identified accounts, transactions, and items that are not mine. This ongoing issue is deeply concerning and has caused me significant stress and anxiety.
Product: Credit card or prepaid card

CHASE Card Services closed my Account arguing DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US. Because my Credit history and reports are impeccable, I do believe this was in reprisal for cancelling my wife 's and myself application for new VISA Cards. Such cards were suggested by MARRIOT Vacation Club agents ( BonVoy  ) to gain points in the BonVoy Program that we also cancelled as explained below. 

The facts are as follows : 1. We ( My wife and I ) have hold a British Airways VISA card for the last 8 years. Since then, we have paid all our monthly balances in full and on time. The same is true for all and any of the credit cards that we currently have including CITI MasterCard, XXXX XXXX , XXXX XXXX XXXX XXXX  VISA ( Debit ), XXXX XXXX VISA ( Debit ). 

2. Our current credit score is XXXX, and we do not have any derogatory or delinquent items as the Chase letter suggests. 

3. In the last week of XX/XX/2019, we purchased a new Marriot Vacation Plan (  BonVoy ) costing about {$45000.00}. The selling agent suggested to us to apply for individual Marriot VISA cards to " gain '' points that could be used to pay for vacations later. However, on XX/XX/2019, after testing the product and verifying that benefits described to us were not accurate, we decided to both cancelling purchase of the Plan and  withdrawing application for new VISA cards. 

4. On XX/XX/XXXX and XX/XX/XXXX we unsuccessfully tried to use out VISA cards, and on XX/XX/XXXX we received an unsigned notification stating that because of DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US, CHASE has closed our Credit Card account. Although I called the credit card customer services, they stated that they could not give us any information because that was a decision made by CHASE. 

5. Since our Credit Card record is impeccable, and we do not have and haven't had any delinquent or derogatory items ever with this or any other credit card or any other organization, I have concluded that the CHASE action against us was taken in reprisal for cancelling our applications for new cards that were suggested by Marriot. 

6. CHASE action resulted in embarrassing situations to my wife and myself when we were trying to pay for items we have purchased and CHASE denied payment without prior notice and subsequent refusal to provide us an explanation and identifying specific reason for their action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted JP Morgan Chase Bank Card Services and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.
Product: Mortgage

I've been paying my mortgage for 10 years,never later or missed a payment,l mail my payment postal money order and priority with tracking ever month,XXXX  of this year my payment was mail on the XXXX,PHH received it on the XXXX they are telling me they don't have it,my tracking is saying different,they hit my credit score,I'm in the process of tracking the money order through USPS now.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/2025 Attn : Consumer Relations Chex Systems XXXX XXXX XXXX, XXXX, MN XXXX, Request to remove accounts from Credit Consumers Dear chexsystem I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : 3. Account with XXXX [ Other Reporting Source ] ( Account # XXXX / XXXX ) - Charge Off Amount : {$1100.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My Sofi Checking account had been compromised by a former roommate/family member, who gained access to my devices and started siphoning money from my account. I contacted " Sofi '' for help resolving an issue as I already had a previous claim from the same person who took advantage of my devices which he had no permission to do so. I requested 'Sofi '' to help me and they denied my claims stating I authorized the transactions when I had not given anyone permission to use my account. Their failure to prevent unauthorized transactions lead me to losing a lot of money that I have not recovered. Honestly I don't know if I will ever recover my funds and its very devastating as it was all I had in my Sofi Checking Account. When the incident occurred, I was in XXXX, XXXX at the time. I reached out to the local authorities and they said that they had no legal obligation to help as the account is from the U.S.A and they have no legal jurisdiction in the matter, and to contact my bank " Sofi '' to help me. So I reached out and one of the agents said he will file a claim on my behalf and I followed every instructions he gave me and then he proceeded to advise me that the claim was created. Two weeks goes by and I contact Sofi for an update on my claim and they tell me that there is not an active claim and they would happily file another claim after I had expressed frustration from being lied to the first time. Three days later after the claim was made it was declined, the same amount of time it took for a previous claim I had filed regarding the same individual who stole money from my account. After that I noticed that they don't properly investigate said claims and just deem it as an authorized transaction when it was not made by me. I requested documents used to determine the outcome of my claim and they said I would receive it within 1-3 business days. It has been 2 weeks and I have yet to receive said documents, I gave them the benefit of the doubt but it seems that was a mistake and it has just been very terrible customer service including their investigation department. I feel as they just don't want to deal with their customers and have us weep in sorrow while they blatantly refuse to help. 

XX/XX/XXXX claim filed, Sofi never filed claim. 
XX/XX/XXXX reached out to Sofi, filed claim. 
XX/XX/XXXX Sofi determined I authorized transactions. 
XX/XX/XXXX I requested documents from investigation, Sofi never sent said documents XX/XX/XXXXXXXX  filing complaint Transactions XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX  {$1500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXXXXXX  {$1500.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00}
Product: Vehicle loan or lease

Attempted to return XXXX XXXX XXXX on voluntary repossession on or about XX/XX/XXXX to VyStar Credit Union XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. VyStar refused repossession. Vehicle was removed from VyStar property. Auto Loan was not paid on XX/XX/XXXX. Social Security check was deposited into VyStar account # XXXX in the amount of {$720.00}. No money from any other source was in the account. On XX/XX/XXXX VyStar deducted {$490.00} from checking and transfered to auto loan payment. Illegal garnishment in violation of SSR 79-4 : SECTIONS 207, 452 ( b ), 459 and 462 ( f ) ( 42 U.S.C. 407, 652 ( b ), 659 and 662 ( f ) ) LEVY AND GARNISHMENT OF BENEFITS
Product: Mortgage

On X/X/18 I requested a reinstatement letter to start the process of withdrawing monies from my retirement account on a 'hardship basis ' to repay Fay Servicing the past due amount. I have had several phone conversations with my account manger who promised to send the same and that " Fay Servicing is most interested in helping me stay in my home and remedying this temporary situation ''. After 6 attempts and promises via the phone I still have not received the information.

This is especially troubling as I have learned that Fay Servicing also has a real estate division that looks to sell homes they have acquired which are worth more than their mortgage value. 

My situation is temporary. I have funds available to cure the past due amount. They know this, and are delaying and threatening foreclosure in extreme bad faith by not providing a reinstatement letter.
Product: Debt collection

I DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY. XX/XX/year> PLEASE FORWARD 1.BILL OF SALE BETWEEN XXXX AND THE ORIGINAL CREDITOR XXXX. DEBT ASSIGNMENT AGREEMENT BETWEEN XXXX AND THE ORIGINAL CREDITOR XXXX. PROOF THAT YOU HAVE AUTHORITY TO COLLECT THIS ALLEGED DEBT 4.PURCHASE AGREEMENT BETWEEN XXXX AND THE ORIGINAL CREDITOR.
Product: Payday loan, title loan, or personal loan

This is a fraud loan application process online, without any document verification. 
The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. 

Please see page 5 signed by my e name and time zone is XXXX. which is a fraud, I am living in XXXX, SC, XXXX. 
I am a student employee at the XXXX XXXX XXXX XXXX 
Please check page 6 my employer is XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. 

How WF verify my income and asset?
Product: Student loan

On XX/XX/year>, I received an email from the Department of Education confirming a full discharge of my Federal Student Loans under the Biden-Harris Administration 's Borrowers Defense program . This relief is due to widespread misconduct and misrepresentation by XXXX  XXXX XXXX XXXX XXXX, which I attended from XXXX. Since then, I have been unable to transfer my credits because the school didn't meet requirements and no longer exists in XXXX. 

Although my federal loans are discharged, I still have private loans with Navient ( formerly Sallie Mae ). Despite the issues at the XXXX XXXX, I have kept up with my payments and have been in good standing with payments for many years. I recently learned about the School Misconduct Discharge for private loans that I believe I certainly qualify for and have reached out to Navient for an application but haven't received a response. 

I am requesting an application from Navient for the School Misconduct Discharge as XXXX XXXX XXXX XXXX  XXXX qualifies under these circumstances.
Product: Mortgage

On XX/XX/XXXX a payment in the amount of XXXX was submitted through bill pay on the XXXX  XXXX XXXX website. LoanCare never received this payment and proceeded to inform me by phone calls that this was not received. After contacting LoanCare representatives countless times it was established that they needed a transmittal number from XXXX  XXXX XXXX in order to confirm that this payment was sent. The correct documentation needed to resolve this issue was sent by myself after receiving a document from XXXX  XXXX XXXX by fax. This information was emailed to XXXX on XX/XX/XXXX. I then received a confirmation email on XX/XX/XXXX stating : The payment was applied to your account on XX/XX/XXXX, but back dated to XX/XX/XXXX. 

Your request has been resolved and this ticket has been closed. 
Please do not respond to this e-mail. Sending multiple e-mails may increase the time it takes to process your request. 
Need to talk? You can reach our Customer Service Department at any time during normal business hours for further assistance. Were here Monday-Friday XXXX XXXX XXXX. Eastern Time, and Saturday XXXX XXXX XXXX 
Submit escalated payment inquiries and documentation via email to XXXX or via fax to XXXX. 
Thank you, Customer Service Department NMLS # XXXXbeen closedthe timeDepartment atXXXX 

Then I received a letter in the mail on XX/XX/XXXX stating that the payment was returned to me by sending a check to bill pay at XXXX  XXXX XXXX on XX/XX/XXXX and that I am suppose to remit this payment back to LoanCare. I called LoanCare once again to understand the reasoning for reopening this and I was told the payment wasnt processed. I called XXXX  XXXX XXXX to understand why I dont see a credit reflecting the amount of {$820.00} in my account but was offered with the explanation that they would have to look into this and call me back. I am now going through this again after having been told this was resolved on XX/XX/XXXX. 

I have never missed a payment and all my efforts to resolve this are being subverted by poor management and policies from both these institutions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXexperian.comXXXX  The report is stating that is closed and a charge I also have disputed this before and they put it back on my report and and the report is listing incorrect address my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Wisconsin and I have disputed them also
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting I had a {$5000.00} credit limit card. Which I do not recognize at all for ever having. Can I get this removed off of my credit report completely. This is incorrect information affecting my credit score. Theres a balance of {$6700.00} which I do not own this at all. XXXX XXXX XXXX XXXX XXXX is the credit card.
Product: Checking or savings account

I had fraud on my checking account on XX/XX/2019 for {$1400.00} and XXXX XXXX for {$1300.00} from an unknown XXXX account. I finally received my money back from Chase bank, but Chase bank said I had to close my account and reopen another account, which I closed my account as they advised me to do, then chase branch manager XXXX XXXX said I was no longer grandfathered in. I have had this account approximately 30 years. So since they were going to charge me a fee I decided to make a complaint before opening another account with chase. Chase never alerted me about these two fraud charges, I had to learn this myself by logging into my account. Then chase let it happen a second time on XX/XX/2019 for {$1300.00} again without alerting me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Checking or savings account

Bank of America closed my account and accused me of fraudulent activity. They reported me to XXXX XXXX and XXXX XXXX. This is completely inaccurate and probably libelous. They need to remove it immediately.
Product: Checking or savings account

On XX/XX/21 I received a targeted offer while logged in to my Citi credit card account online. The offer stated I would receive {$200.00} cash bonus if I deposit {$3000.00} new to Citi funds within 60 days of account opening. 

I clicked the offer buttons to proceed to open a Citi checking account and deposited the new to Citi funds of {$3000.00}. 

After 60 days, I chatted with a representative to see why I have not received my bonus. They were of no help. 

It has now been 97 days since opening and depositing funds and I have not received the promised bonus.
Product: Debt collection

On XX/XX/2015 I received a letter from Allied Interstate LLC stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XX/XX/2015 for a request for Validation of Account. As of XX/XX/2015 I have not received a response for validation.

XXXX called me on XX/XX/2015, in an attempt to collect debt concerning XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from XXXX, yesterday I received an alert from my credit monitoring and XXXX has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a couple laptops from the XXXX XXXX. I was encouraged to apply for the XXXX Rewards Visa card issued by Barclays Bank. I was told that for the next 18 months there would be ZERO interest. After the 18 months, I figured they would start charging normal credit card interest rates. Over the 18 months, I NEVER missed a payment. Some months I even paid early. At the end of XX/XX/XXXX, I noticed that, on a balance of {$2500.00}, Barclays was charging me $ 1100+ in back interest. To make matters worse the were reporting to the credit bureaus that I was 60 days past due even though the payment I made in XXXX was for the XXXX payment. I have reached out to them on several occasions to remedy the situation with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from ChexSystems and found errors due to identity theft. The following inquires are due to identity theft and were not authorized by me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX saying that on XX/XX/XXXX the credit union instructed ChexSystems to remove the inquiries however as of today, XX/XX/XXXX the inquiries are still showing. The only address that should be on my ChexSystems report is : XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I have attached a copy of my photo ID for address verification.
Product: Debt collection

I have contacted cima in XXXX and XXXX to let them know this is a result of identity theft please remove from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I blocked my information because I had identity theft. Sent all docs needed prior. Every so often they lock me out of my account stating its an internal block because my name and address has not been verified. However, I have sent utility bills, my license, verified my social security number, etc, where my name and address are very visible. I held in the office for an hour to speak to someone, after verifying my name, social security number, date of birth and address, she proceeds to tell me I cant dispute inquiries on my account, I need to file a police report or prove it wasnt me. She then got upset because I asked her to provide me with original documentation showing where I gave these entities authorization to pull my credit report, because I have not! She tried to argue with me, got mad because I asked for a supervisor, left me on hold 20 minutes, then transferred me to an automated system asking questions about my call and hung up on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called Wells Fargo and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called Wells Fargo, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.