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

I am writing to formally request that the following accounts and addresses be blocked and deleted from my credit report. I am a victim of a recent data breach, and as a result, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and personal information removed from my credit file. 
The following charged-off accounts should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On Friday XX/XX/year> I was out shopping with my family. I went to transfer money out of my chime checking account to my XXXX to use at the store. I was not able to log into my account. I called chime immediately while in the store around XXXX XXXX  and they told me my account was closed for reasons they aren't able to discuss and an email will be sent to me telling me which transactions caused my account to be closed and why I can't get a refund. 

I got an email saying that my account has been closed due to LEGAL AND LAW ENFORCEMENT REQUEST and that is all that I have received in regards to my account. I tried to log in online to view the flagged transactions and my account was closed so I COULDN'T EVEN VIEW THE TRANSACTIONS OR ANY BANK STATEMENTS. 

I called 2 times after that on XX/XX/year> only to deal with rude and not helpful customer service. After that I lost hope and researched and found that many of other people are in my situation. Upon research I came across the CFPB and found hope to not only A ) receiving the money I work XXXX hard for and B ) Find out which transactions flagged my account, and who authorized this with no prior contact to me. But to lastly raise awareness to warn everyone about CHIME and securing your money. 

Truly hoping you guys can help. Thank you for your time and consideration to my claim. I wish you the best and STAY SECURED out here!
Product: Credit reporting or other personal consumer reports

Credit reporting that is causing me a hardship and homelessness to my family and myself discrimination on my credit report and I do not consent to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my XXXX XXXX credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.
Product: Mortgage

I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. 
Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored. 
I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer. 
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. 
I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it.
Product: Payday loan, title loan, or personal loan

One Main Financial took  an automatic payment from my bank account and enrolled me into the ir Direct Pay pro gram. I never signed up this at any time and even made my standard payment to them a few days before my payment due date. I spoke and emailed the branch on Friday, the  XXXX  and told them they made an Unauthorized payment. Today, on  XXXX , I called the branch to inquire on the status of my returned payment. They told me they needed a copy of my bank statement showing me that they Debited the payment. I thought this was intrusive and quite inconvenient. I Never at any time signed up for automatic payments and now I am being inconvenienced because o f One Main  's error.
Product: Credit reporting or other personal consumer reports

These are not my accounts, and I would like them removed. I have requested all documentation that was used. 
I am writing to formally dispute inaccurate and outdated information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The items listed below contain errors and are negatively impacting my credit score. Under the FCRA, you are required to ensure that the information reported on my credit file is accurate and verifiable. If you are unable to verify these items, they should be removed or corrected.

Please review the following information on my credit report, and update or delete these inaccurate items as required by law : 1. Late Payments : Several late payments are reported on accounts that I believe are either inaccurate or not attributable to me. Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I request that XXXX verify these accounts with the original creditors. If these late payments can not be verified as accurate and belonging to me, they must be removed from my report. 
XXXX. Incorrect Addresses and Phone Numbers : My credit report includes outdated or incorrect addresses and phone numbers that are not associated with my current or past residences. Please update my information to reflect my current address and phone number, as inaccurate personal information may indicate potential errors or identity confusion. FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to request accurate personal information.

3. Accounts Not Belonging to Me : There are accounts on my report that I do not recognize and do not believe are associated with me. Under FCRA Section 611, XXXX must verify the ownership and legitimacy of these accounts. If they can not be verified, I request their removal from my credit file. 
I challenged items in my report and did my investigations. I request that you update the information on my report, which I have listed below. If you have not done so, place EXTENDED FRAUD ALERTS on my credit report.
Product: Mortgage

Initially, I was not given the full 30 days notice for the sale of the mortgage, as required by law. 
Since then, my escrow has been miscalculated twice, changing my monthly payments significantly. The first time it took 3 months and submitting the correct paperwork 3 times to get the calculation fixed. This time, my payment is jumping from $ 850 month ( including escrow ) to over {$1200.00} to fix the miscalculation. Despite repeated assurances that Roundpoint will look into this, my calls and emails have not been returned once in 5 weeks. 
The issues are always simple math mistakes, and have personally made sure RoundPoint has received actual numbers for escrow calculation.
Product: Credit reporting or other personal consumer reports

Today, I am rewriting this complaint to EXPERIAN regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than XXXX  days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the information are inaccurate and fraudulently reported? This is not right. I understand my rights under 15 U.S.C 1681 section XXXX A which states that I have the right to privacy and 15 U.S.C 1681 section XXXX A Section XXXX, which also states a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX to support this complaint.
Product: Checking or savings account

On XX/XX/2023, I received an unsolicited XXXX debit card in the mail. I did not open an account with this institution, Chime. 

I tried to submit a request through their website. I received a response email that said please email us from the email address associated with your account. I can't since I don't have an account.
Product: Credit card

I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. 
As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. 
I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX AUTO XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I researched my credit report with the 3 major agencies found inconsistency on opening and closing and balance. I then contacted the company and the explained the account is CHARGED-OFF then a 3rd party sent a letter stating that I owed them money which isnt the original creditor The U.S. Code 1681e refers to the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and privacy of information in consumer credit reports. Specifically, this section outlines the requirements for the responsibilities of consumer reporting agencies in ensuring the accuracy of the information they report.

1. **Accuracy Requirements** : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

2. **Information Furnishing** : It includes provisions about how information is gathered and verified, ensuring that there are mechanisms in place for correcting inaccuracies.

3. **Consumer Rights** : This section emphasizes the rights of consumers to dispute inaccuracies in their credit reports and the obligations of reporting agencies to investigate and correct errors promptly.
Product: Student loan

On XXXX, XXXX 2024, I was sent a letter from XXXX saying my holder, Mohela, would discharge my loans for my 100 % XXXX  service connected permanent and total XXXX. To this day, 174 days later, the loans have not been forgiven. The temporary forbearance has ended and the only reason I haven't been forced back into the monthly payments yet is because make so little money that the pay as you earn plan I'm on has a zero dollar payment right now. On my last phone call with Mohela, they said I would have to start making payments again this XXXX when my annual renewal for the different payment plans changes. At this point XXXX cant tell if XXXX forgiveness is a joke or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY US BANK PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX BUSINESS AND XXXX BUSINESS AND XXXX, XXXX AND XXXX DOES NOT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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 card or prepaid card

FOR 38 YRS. W/ AMERICAN EXPRESS ALWAYS PAID MONTHLY IN FULL NEVER LATE. 2 YRS. AGO, A MERCHANT ( XXXX  XXXX  ) CAME TO INSTALL A NEW FLOORING, BUT UNABLE TO FINISH LACK OF MATERIAL. AND NEVER COME BACK. THEREFORE, I DISPUTED W/ AM EXPRESS FOR {$500.00} CHARGE FOR 2 YRS. W/O RESULT. WE CAN NOT PAY FOR UNFINISHED JOB. 
BESIDES, AM EXP. KEPT SENDING ACTIVATED CARD W/O PERMISSION TO OUR EMPLOYEES WHICH IS UNLAWFUL & PUNISH BY JAIL PENALTY.
Product: Credit card or prepaid card

Care Credit, a credit card for medical and veterinary services, issued through Synchrony Bank, had required an auto-draft to make monthly payments. However, in XXXX and XXXX I was struggling with having had a series of unauthorized charges to my bank account, so i was trying to segregate my bank account from auto-drafts to prevent my having to cancel and replace debit cards and because auto-drafts to my primary checking account compromised my ability to control and manage my payments. I also had a crisis in early XXXX that depleted my funds and was in the process of funding my account, but also blocking any further auto drafts directly from my primary checking. On or about XXXX XXXX, I got a call from Care Credit about my late payment from XXXX, which I was not aware of. They rep tried to compel me to pay at that moment, but I explained that I could not. She asked if they could autodraft my account, and I said, " No, '' because I was funding a different method to use. About five days later, CareCredit auto-drafted my primary checking account anyway, which resulted in being rejected because of insufficient funds. Two days later, I paid my bill, but by that time, CareCredit/Synchrony had closed my account. In discussing the problem with the agent today ( XXXX XXXX ), she again explained they'd be auto-drafting my account on XXXX XXXX, but I told them not to, because I have set up another account for that purpose. Because they've closed my account ( not having been late other than the XXXX payment ), I am not able to manage changing payment accounts. First, a closed credit account hurts my credit. Second, CareCredit failed to appreciate my situation and ignored the fact that I was changing the accounts used for auto-drafts. Third, CareCredit drafted my account after I expressly told them not to. Then, despite my efforts and disclosures, they closed my account. I am concerned they will continue to auto-draft my account, and I am concerned about the damaging effect having a closed credit account will have on my credit. I would prefer CareCredit reopen my account and allow me to either make a payment in response to an alert, or designate a different account to auto-draft. This practice by these merchants and creditors to draft my money without my knowledge or authorization has truly gotten out of hand, and preventing me from having greater control over my funds, and allowing me to pay when I know I have money. My priorities and the inflation during these past couple of years have created limitations on me, and I simply must be able to pay my bills when I have funds, which typically is the second Wednesday of the month, and fortunately now, may be at least three weeks of the month due to new income. That said, the strong arming by this and other merchants these days is downright oppressive, and I intend to seek attention on this problem with my congressional and senate delegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted an investigation with credit bureau and XXXX both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.
Product: Credit card

I filed multiple credit card disputes against a merchant who falsely identified himself as a Licensed General Contractor and scammed me for over {$100000.00} for work he never rendered or completed ( Only a portion of this was on Credit Cards I also paid cash and sent XXXX Payments ). I filed disputes with Capital One to try to have the payments returned for the services which were not performed. I filed the disputes but was told incorrect information by Capital One employees the entire time. Every time I call in I receive incorrect or conflicting information. I was told by one person " Not to submit too many documents because the caseworker is busy land will get overloaded '' I was also told that after the merchant responds that as long as I respond with any documents, the dispute will be sent back to the merchant/visa. I responded with a lot of documents, which I was lead to believe were adequate, and Capital One sent me a letter saying they can not assist with the dispute and that they're closing the dispute. I asked what the correct documents to upload were or what was wrong with my documents and I have not been able to receive a direct answer. This was extremely important to me and Capital One told me conflicting information again and again. I also was told that if I respond to the merchants response with more documents that I would receive a new deadline with additional time to upload documents, if Capital One decides they need more documents. I was later told this is incorrect and that I will need to upload additional documents by the original date, even if I upload documents and more documents are requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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 XXXXXX/XX/XXXX