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

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX  DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I discovered fraudulent charges on my credit card while they were pending around XX/XX/XXXX & informed Capital One. They said they could not help me until the charges were posted. The charges went from 1 item/transaction/purchase to 3. I called a few more times ; they said they still couldn't help me until the charges were posted ; I called again after the were posted. I've called them now around 10 times & it's a nightmare ; no one answers in the fraud department ; average wait times can be over 30 minutes during normal business hours & often, you get someone that can not speak XXXX understandably. You try calling their fraud department, XXXX. Often, they do not connect you to the fraud department & you have to find that out after speaking with someone & giving your information, only to be transferred to the fraud department. You can not contact the company through their web site, after logging into your account. I am coming up on two months of dealing with this stupidity & the company is offer close to zero help. Can you please help me resolve this matter? thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses listed on my XXXX XXXX, XXXX  and Equifax credit report that I did not reside or live at. The following addresses are not my addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. I have never lived or resided at the addresses. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. My current phone number is : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.             XXXX   XXXX   - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false information.
Product: Checking or savings account

On XX/XX/2022 Myself XXXX XXXX applied for a apartment with my cousin XXXX XXXX we also had to get a money order from XXXX  to pay for the deposit, but we put the money order in my cousins name. Long story short we didn't get approved for the apartment so they gave up the money order for XXXX dollars back with their apartment name still on the money order and so was my cousin XXXX XXXX name. I thought they would have just gave us a new blank money order but they gave me the one we gave them. So the next day I take my money order and the receipt to my local chase branch in Texas because that's were we was trying to move to in XXXX Texas I ask the teller if I can scratch the apartment people name off and put mines she said no problem and didn't even take the receipt I gave her from XXXX  and these video recordings in the bank should still exist of me handing over the receipt and all. The bank teller deposit my money order it took 7 days for it to clear, then I went to the atm they said my account was frozen so I called chase and I was already in the negative XXXX something dollars but my account had a active balance of like XXXX remaining after the money order cleared. They asked when I called over the phone to take my receipt to the branch and have them upload to their Vault That's is like a chase system where they say it take 24 to 48 hr for them to see it. I did this reppeadlty for 2 weeks over 5 times and the phone conversation were recorded I would Like to get those recording from the phone and in the bank for evidence and I still have my recepit. I even called XXXX  to make sure everything was still good on they end the place were we made the purchase for the money order. They dont no if I needed those funds to apply for another apartment or what every time I call like just 2 week ago they said my check was Mailed out now today I had to most rude experience of them not trying to help me so they was not sending out my check. I want to sue for damages and more for all they put me through I was a loyal customer for over 7 years and they closed my account and have release my funds yet due to this where I did nothing wrong and have all the evidence to prove it. The lady I spoke with today wouldn't give my access to the conversations she said I had to get a lawyer to do that I really want a lawyer
Product: Debt collection

I received an notice from XXXX  by XXXX XXXX XXXX. That the company Southwest Credit Consumer did an inquiry and placed a collection on my credit report. I contacted the company on company asking why are they in my credit. They stated they are attempting to Collect a debt for a company by the name of XXXX. I dispute this Collect and debt and information them any Collect they are trying to collect. To send the proof on the debt to my attorney. I gave the law firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Phone number XXXX. This company has never sent me any type of proof from XXXX or never sent me any type of letter they were attempting to collect a debt. They have never contacted my attorney they are trying to collect a debt. I have had several Black Web fraud accounts put in my name and address I never lived with. This why I have XXXX XXXX I also have a credit protection law firm monitoring my credit. Do to company like Southwest Credit Consumer. They have 15 days to provide proof with my signature authorizing account setup with a copy of my Id with it. If they don't I'm requesting the law firm ti file a fair credit debt lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I recently paid off our home and it just posted that a loan we paid off is still active and increased which cant be possible considering we have no loan anymore. Credit wont increase with the wrong information on credit report. We 100 % own our home and again have no loan so not sure why its even showing we do let alone increasing when there is no loan to increase. Needs removed completely from my report!
Product: Checking or savings account

Chase has arbitrarily closed our branch in rural California claiming Coronavirus issues. Every other bank branch in our town ( XXXX, XXXX XXXX and XXXX branches ) simply added plexiglas barriers quickly and remain open. Our branch assistant manager has no timetable to give us for re opening, no further information on when adjustments can be made to reopen and offers us three alternatives to branches a half hour away. Travel in these times is possible for a few days but longer term it appears the bank is unwilling to make the changes other institutions took in hand am managed swiftly. This has apparently happened on many communities and Chase should have to account for itself. ATM Banking should not be forced on any community when a viable branch can be maintained. If this is cost cutting and the branch will remain closed then its customers should be promptly advised so they may make other arrangements. We reside in XXXX CA and have discussed this with XXXX XXXX. Nothing other than get a debit card and go to other branches was offered by way of information. We find this unsatisfactory.
Product: Student loan

I submitted a consolidation request in XX/XX/XXXX to consolidate a total of {$280000.00}, which was processed but was disbursed for the incorrect balance of {$9300.00}. All loans except for my XXXX loans ( which were also included in the request ) have been paid in full through the consolidation, but the balance is not reflecting that. On XX/XX/XXXX, I contacted Mohela and spoke with a supervisor named XXXX, who said she would be submitting a request to have the missing balance added to the consolidation. She said she has been seeing it happen too and to allow apprx. XXXX business days for processing. I called back on XX/XX/XXXX because the balance has not been updated on my account. Spoke with an agent, who then told us it wasn't possible for them to fix it, so the call was escalated. I was on hold for almost an hour, so I called back and spoke with XXXX who said the request was still pending to have the balance adjusted. Mercy then offered to escalate the call again, and I was placed on hold again. I was unable to get through to a supervisor due to the long hold times, and the issue has yet to be resolved.
Product: Credit card or prepaid card

I have a Fortiva Credit Card. I have requested a replacement card multiple times and have not received a working credit card. During this time I am being charge maintenance and service fees. I have called multiple times and on two occasions, the customer service representatives have lied to me,
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Need this removed off of my credit report the information below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/2022 I sent a certified letter requesting immediate closure of my checking account. To date, it has not been done. Yesterday, they allowed a online payment to go through even though this account should have been closed. I had to initiate a transfer from my current account to this account that should have been closed. Please assist me in closing this account
Product: Student loan

FedLoan Servicing sent letters with incorrect information. 
1. I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver, however they clearly have not. After lengthy hold times I found someone who could provide correct information - the loans are initially reviewed under the standard rules, then sent for a second review under the waiver rules. This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately. 
2. I received a letter from FedLoan stating that says if I consolidate during the Waiver period my payment count will start over. This is factually incorrect based on the waiver period rules.This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a TransUnion representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an XXXX employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is  right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am an XXXX woman, and I am writing to you out of sheer frustration and desperation. On Monday night, I received an email stating that my Chime account had been closed, this happened a few days after my monthly retirement pension payment ( {$6200.00} ) was deposited, thankfully I had managed to send some of it ( {$2500.00} ) to my Granddaughter using the Pay Anyone feature on Chime. 

The next morning, I immediately called Chime to ask what had happened and to request that my remaining funds be returned. But instead of helping me, they coldly told me that I had violated their policy and that I would not be getting my money back. No explanation, no consideration, just a flat refusal. 

I have depended on my pension for survival, and now, without warning, Chime has taken away the money I need to live on. I am heartbroken, scared, and dont know where else to turn. How can a bank do this to someone who has worked their whole life and relies on their retirement to get by? 

Please, I beg of you, help me get my money back. This is not just some inconvenience ; this is my livelihood. No one should have to go through this, especially at my age.
Product: Payday loan, title loan, or personal loan

I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. 

Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant verify exactly what they have on file so they refuse to assist me!
Product: Credit reporting or other personal consumer reports

I just found out yesterday ( XX/XX/XXXX ), that in XXXX Equifax had a data breach and my information was exposed and put out there on the internet. On the internet it states that the XXXX XXXX applies to me stating that the statute of limitation for fraud begins when the victim ( meaning me ), discovers the fraud, not when the fraud occurs. I want to sue Equifax for that data breach that exposed my information and therefore the public had my personal information as well as the dark web when this breach occurred and no attempt was made by Equifax to contact me and tell about this incident, and I want to sue them for it. 
Also on my current credit report there have been unauthorized hard inquiries made into my credit report by the credit company XXXX XXXX XXXX without my permission, by a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX without my permission to various financial companies without my authorization ( permission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup complaint to complaint id XXXX. I have filed another dispute -the same dispute - after the complaint was filed. 

I do not believe Equifax is looking into my dispute. XXXX XXXX XXXX  XXXX has reported multiple missed payments to equifax, those are false and neither XXXX of XXXX have these " late payments ''. When I call the credit card company they say that they can not find me in their system and therefore are unable to assist me. 

When I asked Equifax how are they verifying this information they tell me they call and speak with someone. 

Well I'm confused because the actual account holder can't call and be recognized so how can they? 

I've asked for the contact information they used and it's the same as mine. They never send me ANYTHING in writing about the results, the status or ANYTHING. I just so happen to check online and it says completed but then I can't see any results online so then I have to call and get absolutely nowhere. 

They are brazenly reporting inaccurate information and are doing nothing or the sort to even be helpful.
Product: Mortgage

The loan officer is the worst person ever. 
I was looking for a home and my realtor said he was the best i trusted him and when i had issues i would always get a message saying he is out of town he is too busy to deal with my XXXX. When it came time to close for my house i didnt even know they had increased the amount for my down payment even though they knew i didnt have the money. They said you dont get the house if you dont have this money and told it was the only way from the beginning. But they never told me that. He never answered my calls or text or asked me if i was comfortable with any of his decisions. I was very offended with his attitude and the way he mistreats people he works with. and will never evveeeerrrr do buisness with him. From XXXX The loan officer they work with needs to be investigated, XXXX XXXX at XXXX XXXX. Tel : ( XXXX ) XXXX
Product: Checking or savings account

Usaa closed my checking do no funding. I currently have auto life home checking bad savings. I have had numerous problems with them. XXXX hey failed. To provide me whit info due to their system going down everytime I asked this less. Me to loose case. Also thg hold or stop my card when Im at a store due to funds they say I owe. They failed to complete butual death benefits. Violation of privacy by sharing consumer information wit others before sending me any documents to address situation or add on this website or have. Correct documentation. 

Thank hi
Product: Debt collection

The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX  makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX