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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -
Product: Vehicle loan or lease

Kia motor finance applied a payment in XX/XX/2020 incorrectly. This resulted in the account reporting as 30 days late. I attempted to dispute this with Kia finance and was refused by multiple employees over a two week span. I was told to file a formal complaint I would have to speak to a specific supervisor, to call back at a later date, and then repeatedly told I would receive a call back to complete my dispute.  None of these things happened. I disputed the error through XXXX  and it was updated on me XXXX  report. I am going through the process of applying for a mortgage and was told it is not reflecting on my credit report. I asked Kia to provide some documentation to me that the account was in good standing or show that the correction had been made and they refused on XXXX at XXXX XXXX  I spoke with XXXX a supervisor who said they would provide a letter of account current status. This never happened and when I called back I was told by three different supervisors and eventually XXXX, the senior customer service supervisor that I would have to call corporate and take legal action because there is nothing that they could provide me for documentation of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never contacted Bank of America for any types of credit or anything they place on My credit report with me knowing I requested this be removed an deleted off my credit report
Product: Debt collection

Complaint against Cash 1, LLC. On XXXX XXXX, a summons was given to me. Received numerous calls, texts, voicemails, and email telling me to settle this account before going to court. Today, XX/XX/2023, I called to have the debt settled as determined by default account from the court documents to be {$1600.00}. I was threatened that I had to pay another amount totaling {$2000.00}. I asked to speak with the supervisor or a legal department supervisor to escalate the information regarding the correct amount due and she wanted me to disregard the documents. I was denied access to speak with a supervisor. The representative XXXX XXXX in the legal department that I was speaking to denied me access to her supervisor or a manager in the lethal department. When I asked for the complaint officer information, she again denied me access and said XXXX will call you back. She became belligerent and stated you can file a complaint against me. I responded this is not personal. According to her, XXXX is her supervisor and the complainant officer for the legal department.
Product: Mortgage

I lost my job in 2012. I was denied unemployment and was unable to pay bills. I was able to borrow money for a time to pay my mortgage. As a result I got behind on my payments. When I could make a payment the mortgage company would not accept it as it did not cover the entire amount owed. However, they cashed the checks and retained the money but did not apply it to my account. I applied to the State of Michigan for help and when I was approved they contacted the mortgage company for amount owed and paid them. I was told by my rep from the mortgage company I would receive the cashed funds back as I was now caught up. I never received the funds and when I inquired with the mortgage company 's research department, as I was advised too, I was told the funds were used for additional cost. There should not have been any additional cost as the State of Michigan paid them.
Product: Debt collection

There are 2 Portfolio Recovery Associates for amount of {$2000.00} and {$550.00} that does not belong to me. I have sent Portfolio Recovery Associates a debt valuation several times with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry from Comenity Capital on XX/XX/2023 on my XXXX  credit report, that I did not apply for. I did not apply for any credit card at all recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : paid the whole balance of {$100.00} Discover credit card account XX/XX/XXXX : I called and cancelled my Discover credit card ; made sure to ask if there were other fees/balances that I needed to pay beforehand. Representative said no. 

Discover states that I had an outstanding balance of XXXX and placed my account in delinquency as of XX/XX/2022 which then drastically decreased my credit score.

However back in XXXX I called Discover and asked to dispute the balance, which they stated they would do over the phone. But now Discover is claiming there is no record of such call or dispute record. 
I called and asked to dispute the delinquency as my account was being closed and canceling all auto-payments with merchants. Discover provided a courtesy adjustment and waived the charge but declined to remove credit report. 
I asked for a goodwill adjustment but Discover refused.
Product: Checking or savings account

XX/XX/2020 my mom died. I gave her my XXXX  XXXX XXXX Account. The account was paid off. I opened a new account with XXXX  XXXX XXXX. The money that was being withdrawn from my bank account ( autopay ) was going to the canceled account. I was getting cancelled notification for a year and a half. I tried to resolve this issue. I reported XXXX XXXX XXXX to the Texas Department of Banking. I then requested a full refund. XXXX  XXXX XXXX did not issue the refund. I contacted Capital One Bank to dispute the charges. Capital One Bank issued a temporary credit and then reversed the charges. This has left my account in the negative. When I contacted Capital One Bank the supervisor was playing with his dog in the background on the phone call.
Product: Checking or savings account

On Wednesday, XX/XX/year>, my employer initiated a direct deposit to my account at Capital One, which typically posts around XXXX p.m. However, by the end of the day, the deposit had not appeared. XXXX, I checked again on Thursday morning, XX/XX/XXXX, and found the deposit was still missing. I contacted Capital One 's customer service shortly after XXXX a.m. and, after waiting over an hour due to high call volumes, spoke with a representative. The representative informed me of a technical issue that began on Wednesday, affecting account services, deposits, and payment processing. They could not provide a specific time for resolution, only expressing hope that the issue would be resolved later that day. 

Seeking more information, I turned to social media and discovered numerous complaints from other customers experiencing similar issues. Additionally, I found news articles detailing a lawsuit filed against Capital One by the Consumer Financial Protection Bureau on XX/XX/year>, alleging that the bank misled customers about its high-interest savings accounts, resulting in over {$2.00} XXXX in lost interest payments. 

Despite these widespread issues, Capital One did not provide any direct communication or official statements to inform customers about the technical problem or the steps being taken to safeguard clients ' funds. As a result, I am left uncertain about the status of my hard-earned paycheck. This delay has caused financial strain, as I have bills due and at least XXXX automatic payment has already been declined. I have not received any satisfactory explanation or assurance from Capital One regarding compensation for these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan dating back to XX/XX/XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XX/XX/XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XX/XX/XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was able to reach a manager with XXXX XXXX XXXX who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.
Product: Checking or savings account

My Citibank checking account is showing as " Blocked '' on the online portal and in the mobile app. I received no notification through email, text, or mail. I contacted customer service through the in-app chat and was asked to contact the Fraud department via phone. I made 2 different phone calls to XXXX and spoke with 2 different customer service representatives on XX/XX/22. I was told that the account is referred for closure and that I will receive a check in the mail in 60 days. This is my primary checking account and I have more than $ XXXX on deposit in this account. I need access to these funds to pay for taxes due XX/XX/XXXX, as well as other regular bills ( mortgage, credit cards, etc. ). Not having access to these funds for 60 days will cause significant financial harm. When I asked if there was a way to expedite the account closure and check issuance, the customer service representatives said that there was nothing they could do to assist me and that they couldn't provide any more information, then they immediately ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my consumer report I noticed that Experian released my non personal information to the following companies without my prior consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 expect these inquiries to be removed from my report immediately. As a consumer I have the right to privacy which you have a duty to keep my personal non public information private at all time, unless I the consumer give you consent. I did not authorize anyone from the companies listed above to make any inquiry or view my credit report, nor did I give Experian permission to furnish this fraudulent information to my credit report. Under 1681b ( c ) this is a violation which is fraudulent activity and a breach of my right to privacy. 
Please be aware that no consent is Identity Theft
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 # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Mortgage

I bought my house in XXXX. 
I did a refi with Chase in XXXX. Rate was 8.1 % I am a small business owner. In XXXX my business was slowing down and did n't make the money I used to. I tried to refinance with Chase but was declined because I was a small business owner and did n't have enough equity in my loan. I called Chase XXXX XXXX to apply for the Home Affordable Modification Program ( HAMP ). I clearly qualified for the program based on the guidelines and I wanted to keep my home. After XXXX months ( XXXX of phone calls ) they finally told me that I was NOT APPROVED for HAMP. In XXXX XXXX I finally missed a payment due to my financial struggles. I tried for HAMP again. 
Finally got approval in XXXX XXXX for 2 % rate going up to 5 % by year XXXX. I made XXXX trial payments on time. After the trial period they sent over the " official '' terms of modification. It really was n't helping me stay in my home as it was putting the money I save in interest onto the loan. They said if I did n't sign that the only program I qualified for was Home Affordable Foreclosure Alternative ( HAFA ) short sale. I do n't understand why, I made all three payments on time and I wanted to keep my home. 
On XXXX XXXX XXXX I rcvd a letter from Chase that said they would pay me {$20000.00} to sell my house. 
I agreed to the HAFA program as I had no other choice and Chase was now threatening to foreclose if I did n't. As part of the HAFA program, Chase told me there are no payments to make as long as I followed the guidelines of the program. I listed the house with a realtor. 
XXXX I had offer that was accepted by Chase to sell house for {$230000.00}. Just before closing Chase sold the mortgage to XXXX. Short sale with Chase never happen. 
House sold XXXX months later with XXXX as the servicer. 

I feel like as a small business owner I was discriminated against. When I tried to refi I was denied even though I had XXXX FICA score and made all me previous mortgage payments. Then I was denied HAMP after trying for XXXX months. Somehow I got convinced ( XXXX ) into selling my house in a short sale and all I really wanted was to stay in my home. 

Now I ca n't get a mortgage ( even with a XXXX score ) because my credit report shows XXXX months of non payment between XXXX servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered multiple inaccurate accounts, inquires, and addresses reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not acted to remove the accounts/funds in question from my credit report. This has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. I am disputing the following accounts : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00XXXX XXXX Account # : XXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report the following credit bureaus are violating my consumer rights. Please delete all accounts reporting negative data to my consumer file and consumer report, credit report in the next 4 days. 

15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 usc 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit with XXXX XXXX. I was denied credit by XXXX XXXX because Experian reported a bankruptcy on my consumer credit report. Experian had previously indicated the public record was removed from my consumer credit report. Experian sent me a letter indicating the bankruptcy was removed from my consumer credit report. However, they are reporting otherwise to other companies. The information being reported by Experian is inaccurate and contradictory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORTXXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX Inquiry Date XX/XX/2021 AND XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally filed a complaint in XXXX. Equifax came back and said it belonged to me. I sent documentation to them showing it was not mine. They wanted me to send it to XXXX XXXX instead of taking it off my report. I sent the documentation to XXXX XXXX but The issue has still not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to retrieve my XXXX and Equifax reports from XXXX three times and I've been unsuccesful. I would like to obtain my credit reports online. I want to to pull all three reports from XXXX
Product: Credit card or prepaid card

XXXX {$210.00} Discover Credit Card transaction via XXXX XXXX {$100.00} Discover Credit Card transaction via XXXX These transactions were approved by the Discover credit card company even though my billing address on XXXX for the Discover card was incorrect. Discover should have declined those transactions due to incorrect billing address. 

I talked with Discover on XXXX but they said these are pending authorized transactions on which they can't do anything. 

I talked with Discover security department and billing department on XX/XX/2022 from XXXX to XXXX asking them why my transactions were approved by Discover card when XXXX had wrong billing address even-though I made these transactions. That means Discover doesn't validate every transaction I make against my correct billing address which is a serious security hole. But they're not ready to accept it.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Transunion regarding my mortgage with XXXX XXXX due to XXXX reporting my account late for me having XXXX and was hospitalized. I filed a dispute with Transunion and XX/XX/XXXX I got notice that the dispute results were ready. When I checked the whole mortgage was off my credit report. On XX/XX/XXXX I paid off XXXX which was my entire mortgage. Instead of Transunion just fixing the late payment they removed the mortgage that I need on my credit report to reflect I had a mortgage even though it was paid off in full. I called Transunion was hung up on. I called back a man named XXXX said he was a XXXX and that is the procedure. I asked for him to put it back on my credit report and he said he could not do that. I was told to file this complaint and to have CFPB send the complaint to Transunion and hopefully someone from their corporate office sees this and takes the account over and does the right thing and put my mortgage back on my account.