23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello. I just pulled my credit, and I found some accounts that never belong to me, I have never received any cards or mails/phone calls. I believe that someone have my personal information! Im so stressed, I have a little kid and I dont know what I should do now. I pay all my credit cards in time, and I am very responsible The accounts information below 1. DISCOVER BANK XXXX opened XX/XX/year> limit {$500.00} ( missed payments )
Product: Credit reporting or other personal consumer reports

The lender ( XXXX XXXX ) advised me that my mortgage information was denied for the following reason " They were withdrawing your file because of the mortgage payment history every month payment has been 1 month late. '' After contacting XXXX, XXXX and XXXX t was my understanding that neither company had information regarding late mortgage payment for the time referenced above. 

I contacted XXXX requesting a review and response to my inquiry. The telephone call was concluded after I requested a call-back from a supervisor or XXXX to discuss this matter, no call-back was received prior to filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am am natural person, I am a living human being, I have rights under 15 usc 1681 equifax is govern by 15 usc 1681. and they violated my rights many times I demand the accounts listed below be removed. 

according to 15 usc 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts see account below XXXX  XXXX XXXX XXXX -Inquiry date XXXX XXXX, XXXX  XXXX  XXXX XXXX  XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leavir my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions ^ Comments Secosignificant inconvenience and Cofimential loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   EQUIFAX AND XXXX are still showing a balance of {$620.00}. XXXX  has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET EQUIFAX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
Product: Student loan

I can not recall years and dates so on because it have been so long ago. 

By the time I had graduated, I could not find any job so I could not repay loans. I asked Navient for advice on this, and they said forbearance was best option. So I used that option for few years. I can not recall how many years exactly. 

That increased the debt and interest quite a lot but it was better than leaving it to enter default. Since I thought it was best way, I also applied same to previous college loans from XXXX. For XXXX, I had used forbearance for maybe 2 years before XXXX advised me on using income based repayment. I was still not employed so bill would be XXXX. But there was no interest and base increase. I eventually ran out of forbearances on Navient and changed it to income based repayment. 

I finally had job so I started paying loans up. I have fully repaid 2 of 4 loans at Navient and zero out 3 in XXXX. It was going okay, till I found out about Navient class suit due to them giving bad advice on forbearance costing people like me bunch of money. 

So at the end I had increased repayment and interest on both sets of loans, due to Navient advice. Note this is not complaint against XXXX, but only Navient due to Navient bad advice affecting both sets of loans.
Product: Credit reporting or other personal consumer reports

What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/2024 Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed 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 Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Mortgage

In 2012 I tried to get a loan modification. We went 40+ months, before they told us we wasn't eligible. Tried a short sale, went another 4-6 months then we was told we wasn't eligible. Payments went from {$840.00} to {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with a company called JH Portfolio Debt Equities on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... XXXX   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a  supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( JH ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from JH on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.
Product: Student loan

I originated a loan with XXXX XXXX XXXX, that loan was sold to XXXX XXXX XXXX and then recently sold again to Navient. 

Navient has the following policy regarding their auto-debits for repayment : " Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. '' Ie. if I want to monthly transfer more than the minimum of {$180.00} on a {$27000.00} loan, I have to go onto their website for every transfer. There is not an option to increase the amount being transferred. 

Not only is this very inconvenient, they are hoping to drastically increase the amount of interest I will be charged over the life of the loan by introducing this friction to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2018 I contacted Transunion, XXXX   and XXXX sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt listed on my credit report. The debt in question is being reported by [ US Department of Treasury ], and I am requesting validation of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Please provide the following information to verify this debt : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. The date the debt was incurred. 
XXXX. Documentation verifying that I am legally responsible for the debt. 
XXXX. Proof that the debt has been properly assigned or transferred to the collection agency, if applicable. 
XXXX. A copy of the original contract or agreement ( if available ). 
Please note that under the law, the collection agency must provide this information before it can continue reporting this debt on my credit report. Until such validation is received, I ask that you mark this item as " disputed '' on my credit report. 
If this debt is not validated or removed from my credit report, I will have no choice but to escalate this matter further with the appropriate regulatory agencies. 
Please acknowledge receipt of this letter and confirm that the necessary actions are being taken. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX XXXX
Product: Money transfers

I opened an account with Skrill ( https : //www.skrill.com ) and attempted to send {$50.00} abroad. I was told to use alternative methods of transfers, as the security system flagged me as an undesirable customer. I talked to numerous customer service representatives at skrill and was told to try " a different browser '' or a " different machine '', to no avail. I was never told any details of the problem - finally they offered to close my account and give me a refund.
Product: Mortgage

I was working with XXXX XXXX from Pacific Financial Corporation on a refinance of my home. At a certain point he wrote an e-mail to me indicating my loan was approved. He said all I had to do was get an appraisal ( and have it appraise sufficiently high ). I wrote back clarifying that the loan was for a 30 year XXXX fixed with {$2400.00} in closing costs. He said yes and indicated the loan was definitely approved. To be extra clear, I indicated to only proceed with the appraisal if we definitely got the loan at the above rate. After the appraisal went fine, he said we would " close on Monday. '' On that Monday, he sent me another e-mail indicating my closing costs would go from {$750.00} to {$15000.00} ( but he encouraged me to just do it ). I was angry. He said he would re-imburse me for the appraisal over the phone. And then he stopped returning my phone calls. This is predatory fish and bait lending. He lied a number of times. It has been quite a blow to my family.
Product: Credit card

Between XXXX and XX/XX/year>, there were multiple transactions on my credit card account, all of which were made in California. These transactions were fraudulent, and I did not authorize any of them. I have disputed the charges two or three times, but each time, the bank has returned the dispute as legitimate despite the transactions clearly being fraudulent. 

I am unable to break down the charges because the bank no longer allows me to access the specific transaction details. However, I can confirm that every single transaction made in California during this period was unauthorized, and I am not responsible for any of them.
Product: Debt collection

i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info
Product: Credit reporting or other personal consumer reports

Account has been paid off since XX/XX/2023 and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.
Product: Student loan

I had a had a discharge of debt XXXX XXXX  in XX/XX/year> Although student loan were in that discharge they still were not remove from my credit and Aidavantage account
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a car loan. Lender can not pull equifax report because EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT FILE IS NOT AVAILABLE Started XX/XX/XXXX. Talked to 5 different reps. States this is no fraud alert or freeze. I can not access my own credit report. Consistently getting error code XXXX. Sent identity verification twice. Still can not access my equifax credit report. Equifax also gave me access to another my equifax account to resolved problem but it was someone with the same name as me. So i also had access to someones credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I first informed Chase on XX/XX/XXXX that I noticed a derogatory account ( ending in XXXX ) in my credit report at XXXX and that this was a fraud account and that I did not create that account. I also told Chase that it was listed under my name and ssn but the address was one I never had or used. Someone had stolen my name and ssn and used it to create the account. Chase sent me letters on XX/XX/XXXX, XXXX saying that I was responsible for the account and that the account was reported accurately. They also sent the same letters to the 3 major credit bureaus and XXXX. The only reason they gave for their determination that the account was accurate was that they had " correspondence showing '' I knew of the account. In their XX/XX/XXXX letter they said that " I accepted responsibility for the account ''. I categorically denied any involvement with the account and wrote letters to Chase requesting documents ( of transactions made, the application for the account, and other written documents related to the account ). They have not given me any documents related to the account. I requested those documents because I did not receive any written documentation of that account because Chase had apparently sent those to the false address and not to me. I called Chase on XX/XX/XXXX and at that date Chase still had the false address on that account as being my current address! I corrected them but since then they have not acknowledged that they used this false address for communication about this account. In fact, they have continued to insist that the account is accurate ( letter dated XX/XX/XXXX ). The false address listed on the account was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Chase 's letters sent to me and to the credit bureaus, they said " we confirmed that your account is valid and reporting accurately ''. This false statement to the credit reporting agencies is a violation of the FCRA which protects consumers.
Product: Mortgage

In XXXX XXXX I became a victim of predatory home loan lending when I secured a home equity line of credit with XXXX XXXX Loans. XXXX XXXX XXXX purchased XXXX Home Loans & subsequently transferred my Heloc loan to a company called Realtime Resolutions. I have contacted this company to offer a settlement of 10 % of the loan balance even though the loan was made available to me by XXXX using the following predatory lending techniques ; stated income in an amount that exceeded my real income at the time by more than {$5000.00}, using only my name on the loan and not both my husband 's and my name on the loan, and using an inflated home value created by XXXX real estate appraisal company called XXXX. In XXXX, XXXX XXXX XXXX through XXXX approved a Principle Reduction on my primary loan based on the true fair market value of the property. A principle reduction or extinguishment of the Heloc loan should be awarded me based on the unfair & predatory lending procedures used by XXXX when to award me the loan. I recently addressed this issue with Realtime Resolutions and was told by XXXX XXXX that there were no updates from XXXX XXXX XXXX regarding any settlement awards being offered to those customers whom XXXX XXXX XXXX had transferred Heloc loans to Realtime Resolutions for collection activity. I spoke with XXXX XXXX XXXX customer service and was told to contact Realtime Resolutions to seek a settlement offer. I am truly getting the run around between XXXX XXXX XXXX & Realtime Resolutions to have the Heloc loan settled under the same terms as the primary loan via the facts of the lawsuit won by the XXXX against XXXX XXXX XXXX in XXXX & in XXXX of XXXX. Please assist me in requesting that the Heloc loan assigned to Realtime Resolutions for servicing and collections be transferred back to XXXX XXXX XXXX since XXXX XXXX XXXX is the owner of the note and should apply settlement provisions to this note as were provided to the primary home loan via the XXXX lawsuits. The burden of not settling this loan either by extinguishment or by agreeing to a 10 % settlement results in my debt to income ratio being horribly distorted, having a continual decline in credit scorings & ratings by the XXXX major credit bureaus, being offered consumer credit at very high rates up to & including high interest rates on car loans, credit cards, insurance payments and the denial of credit offerings. In addition Realtime Resolution continues to negatively report on this account to all 3 major credit bureaus.
Product: Checking or savings account

On XX/XX/2020, I wanted to deposit {$1800.00} into my Chase checking account. I went to a local Chase bank and deposited using an ATM. I received a deposit slip saying to make sure your funds went through, call xxx-xxx-xxxx. After I received the slip, the screen said not accepting deposits at this time. I called the claim department at Chase and they asked for all the numbers on the slip and issued me a credit {$1800.00} ... {$10.00} less than the amount I deposited after the lady on the phone correctly stated the amount was {$1800.00} to me. A week or two later, Chase says they did an investigation and the Chase bank I used stated there wasnt any extra money in that ATM since they did an audit that day, which is a LIE. They even stated that there is no evidence of a deposit yet had my deposit slip on file. There should have been {$1800.00} extra. Then Chase withdrew {$1800.00} from my account leaving that amount in overdraft charges. They keep demanding I pay that amount to them but its a fault on their end. Theyve done this to many people, and Ive read their stories, and I need this to be checked out. I cant and refuse to pay this amount. That cash I worked so hard for, for them to just take it and lie to my face.
Product: Mortgage

Hello, Dovenmuehle Mortgage took over my mortgage from XXXX XXXX  XX/XX/2018. Since then they refuse to post my XX/XX/XXXX and XX/XX/XXXX payments I made on a timely basis. They have added late charges and forwarded mitigation paperwork. I have called their customer service every day to get this resolved and they keep saying we will know something in ten days. This has been happening since XX/XX/XXXX. They have my payments and they are showing on line, though they have not taken off late fees and still will not credit my account. I am so discouraged. Where do I turn? 
Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. And I made reports to Experian and XXXX and XXXX and I told Experian and XXXX and XXXX that I am a victim of identity theft and made credit disputes at Experian and XXXX and XXXX. Later, on my own Experian security complaint I said to the Experian XXXX department that I want to put my own work history and my own address where I lived and my credit corrected. and I told Experian XXXX department that I wanted XXXX XXXX fraudulent accounts closed and removed. Later the fraudulent XXXX XXXX accounts were closed and later I copies when it was removed. And later the fraudulent XXXX XXXX address was used on my security complaint and a few XXXXXXXX XXXX accounts were opened ; after I had the fraudulent XXXX XXXX accounts removed. And I told Experian that I wanted the fraudulent XXXX XXXX XXXX XXXX accounts closed and removed. And I called the XXXX XXXX XXXX department in XXXX XXXX XXXX and told them that I am a victim of identity theft. I asked Experian XXXX department to remove the fraudulent XXXX XXXX names from my account and then they asked me my name again and they asked me if I'm called sr, XXXX, ect. I said sr. And later I found out that Experian didn't remove the fraudulent XXXX XXXX names and just put my name over the fraudulent name and left the fraudulent name on the Experian report and just put sr. In front of the XXXX names I wanted removed. Earlier when fraudulent XXXX XXXX accounts were removed my XXXX XXXX went from the low XXXX to XXXX. And the FBI told Experian to remove the fraudulent XXXX XXXX accounts. And I found out that later after XXXX XXXX was in jail that XXXX XXXX and XXXX XXXX used credit in my name and opened fraudulent XXXX XXXX credit accounts-without my permission and without any authorization. XXXX XXXX and XXXX XXXX and XXXX XXXX doesn't have any authorization to use my name and my social security number and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a Letter on XX/XX/21 stating that the information they had reported on my Consuemer Report was innnacurate and false and I wanted proof of Debt and records. The 30 days have passed. This is MY SECOND TIME WRITING to them, I have Verified Mail showing dates with DL and SS and PROOF OF ADDRESS. NO RESPONSE yet