23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

They stole money when I was in XXXX XXXX drawing interest and then when I tried to call them they had no explanation as to where my money was or went. Then as soon as my XXXX XXXX  was over they reported me delinquent to all the credit bureaus which I always paid monthly sometime twice a month- they still cant tell me where all of my payment went. My mortgage was {$2000.00} since XXXX and I paid {$2100.00} per month every month since XXXX. I called them and asked 5 different times to apply the overages. They refused and when I finally was out of XXXX XXXX  they reported I was delinquent and ruined my credit. This company should not be allowed to hold mortgages. Especially for borrowers who are trying to do the right thing. Someone or some entity needs to investigate them- they are practicing mortgage fraud.
Product: Checking or savings account

Cash app froze my account for getting direct deposit sent to my account when my cash app is verified froze my account with {$500.00} on it wont let me send it withdraw it or spend it and have not reached back to me at sll
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did Not authorize anyone employed by these companies to me an inquiry and view my credit report. This is a violation of the Fair credit Reporting Act section 1681b ( c ) and is a serious breach of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXXXXXX Balance Owed : {$8600.00} XXXX XXXX XXXX Balance Owed : {$9200.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX I sent certified letter to Experian. They did not take off charge off thats been zeroed out.
Product: Payday loan, title loan, or personal loan

They are taking advantage of people! Advertising quick small loans. Back in XXXX, I thought I was just applying and would here back so when the agreement came up online I clicked I agree. I never received anything that said I was approved, just saw {$500.00} deposited In my account. At the time, I thought I would pay back within a couple payments because the next week a payment was drafted out of my account for XXXX to which I thought that will be paid off in no time. I only needed quick money for XXXX. Sadly, I just found out after inquiring that the interest on this is 700 % which is absolutely ridiculous and taking advantage of people! I dont understand how this company is even allowed to be in business. I want this reported because its robbery. I will end up paying {$2300.00} for what was to be a simple and quick loan for the holidays Your help is appreciated. If you can tell me how to go further with this complaint. They dont need to be in business and taking advantage of people! 

XXXX XXXX
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit card or prepaid card

Fraud was detected on my card on XX/XX/XXXX, unfortunately that was the same day that XXXX took over being the processor from XXXX XXXX. After waiting on hold for over two hours they ordered me a card, the card never came so they ordered another, that never came ... Bottom line is as of XX/XX/XXXX I still do not have a card. History shows card ending in XXXX on XXXX, card ending in XXXX on XXXX, card ending in XXXX on XX/XX/XXXX, which I am still waiting on. Trying to reach customer is an hour wait each time. I been hung on by CS reps, I ask to speak to a manager and they decline, say they will call you if they need anything. In addition the GM rewards associated with the account are all wrong on the statements. They also reduced my cash advanced limit from XXXX to XXXX, keep in mind my credit score is XXXX so why? I also have an issue with not being able to move around the website, even after logged in, without having to be sent an Authorization Code to view my account. This bank is not ready to be a processor of credit cards nor are the CS reps trained properly
Product: Credit reporting or other personal consumer reports

Im writing this letter to inform all credit bureau, XXXX XXXX, Experian to update the follow account on my credit report known as XXXX XXXX open on XX/XX/2021 the balance of XXXX is incorrect, this account is paid in full as agreed and remains in good standing with lender which I have spoken to lender to provide the verification letter stating this account is pay & full as agreed in closed at a XXXX balence, of excellent payment history on my credit report, which they had stated they will provide this letter and update the account but still hasnt provide the letter or updated the account status. please update this account immediately to its correct balance which is XXXX, pay in full as agreed account on my credit report. If not immediately changed is a direct violation of 15 USC 1681 under my FCRA rights, if this inconvenience is not corrected can cause damages to my credit report or call cast judgement on my credit worthiness with future lenders, if information is not update correctly showing its paid in full and good payment history, please correct and update status immediately
Product: Prepaid card

I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit.
Product: Checking or savings account

Over the course of a few months, we had a total of {$12000.00} fraudulently taken from an estate account set up with JP Morgan Chase to hold my late mother-in-law 's proceeds from her estate while we cleared the probate process. The transaction amounts and the dates associated are as follows : {$13.00} was withdrawn on XX/XX/XXXX. {$450.00} was withdrawn on XX/XX/XXXX. {$4100.00} was withdrawn on XX/XX/XXXX. {$4200.00} was withdrawn on XX/XX/XXXX. And finally, {$3900.00} was withdrawn on XX/XX/XXXX. Chase is claiming the transactions would not be refunded due to a policy that states that the charges on the account exceed " 60 days after we sent the statement containing the first unauthorized transaction ''. Chase should have identified the first unauthorized transaction because the account was set up as an estate account and the only means to which a transaction should have been permitted would have been by check alone. A check/debit card was not issued with the account because the account was not set up as a spending account ; instead it was set up as a savings account for only the time required while the estate was in probate. Also, the name on the fraudulent transactions were XXXX XXXX ; my wife 's name is XXXX XXXX -- so the transactions should have been flagged for the name in addition to the account supposedly not set up for electronic transfers. Additionally, since the account was set up as an estate savings account, we were never set up to receive paper statements and therefore were not afforded the opportunity to review the transactions on the account when they occured. We first identified the fraudulent transactions on XX/XX/XXXX, when we closed the estate account and moved the proceeds to a personal business account within Chase. It took us a couple days to do a full review of the transaction history, and on XX/XX/XXXX we made our first official claim with Chase regarding the fraudulent charges. We were told over the phone that the account would be reviewed and they would mail a check due to the estate account being closed. Within a few business days, we received some letters in the mail from Chase stating the transactions were reviewed and that the charges would remain on the account. On XX/XX/XXXX, we went into a local Chase branch to discuss the issue with a bank representative. At that time, we were advised to make an executive complaint with Chase headquarters. We attempted to make the executive level complain onXX/XX/XXXX, however, we were not able to complete the claim due to the president 's day holiday. The executive complaint was officially made on XX/XX/XXXX. Chase was not able to make a reasonable resolution to the complaints stating they would not be held responsible for the transactions. Chase is claiming their reasoning is due to their '60 day ' policy. While we may have been beyond the 60 days from the first transaction ; there were two transactions within the month of XXXX that totaled {$8100.00}. At the very least, we are within the 60 day window to dispute those charges. Though I would still make the argument for the complete total of the fraudulent charges.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$710.00} DISCOVERBANK XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : Transunion file Number : XXXX Equifax CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX Account number : XXXXXX/XX/XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXX/XX/XXXX{$670.00} Acoount name : XXXX XXXX XXXX Account Number : XXXX also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me
Product: Student loan

It has come to my attention that Navient has not been counting my payments for years. I have made small payments and my balances have remained the exact same. No change at all. I have been writing them for months and they refuse to acknowledge these payments. Even recent payments I have made. 
They are punishing me for forbearance which was administrative due to them being sued. So it is their fault that payments were stopped but they were still charging interest and not counting payments. 
I need help. They refuse to apply these payments and lower my total balances. 

I am sending the proof. At the bottom of each loan you can see several payments made. They tried to say that my payments went to interest but at the same time told me my balances were to sum total of my interest and principal. 
So they are lying.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX ), Consumer Date of Birth : XX/XX/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 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 personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the US 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 card or prepaid card

Without any written or e-mail notification my Care Credit account was closed. When I called Synchrony Bank to find out why they said it was for non-use. This is a line of credit specifically for medical expenses and I thought having an available line of credit to use in a medical emergency would provide some peace of mind. The account was opened just over a year ago. The bank advised me they could not reopen the account and to reapply. I reapplied and was declined. The closure of this account has caused my credit score to go down by 65 points.
Product: Vehicle loan or lease

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer r
eporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Got Scammed through XXXX - My Phone number was linked to a PNC bank account of a unknown person and they stole the money that was sent to me by my Husband. Money ( {$250.00} ) was XXXX  from my husbands bank account XXXX XXXX XXXX XXXX ) to me using my Phone number XXXX. Proof of XXXX sent confrmation : XXXX on XX/XX/XXXX  Amount : {$250.00}. I received alert on my phone that money is received but the account number was not mine. Proof of receipt below. PNC Bank Alert : You received a XXXX payment of {$250.00} from XXXX XXXX. This payment was sent to account XXXX. I don't have account in PNC Bank and some one linked my phone number to their XXXX account and stole my money. PNC Bank allowed this due to a flaw in their system. I did not receive any alert on my phone that my number is being linked to another account. I called PNC bank with in 30 minutes of the fraud and explained them, so far no response from them. And after few hours the fraud has de-enrolled my number from their account and I was able to add by the number to my XXXX XXXX account. I want my money to be refunded from PNC bank.
Product: Credit card or prepaid card

They closed my account without no specific reason which is clearly XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting {$500.00} was not paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Experian give notice that this creditor is providing false information. Unfortunately, Experian continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( XXXX XXXX ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Experian is aware this was an insurance claim that was paid in full. Experian decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Experian continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Experian declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Experian to provide evidence that the creditor validated this claim, no response to my request. 

XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. Experian still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Experian declined to have this removed and continue to report it after several disputes. This is a fraud account. 

XXXX XXXX is reporting a balance of {$4600.00}. This is not my account. I have disputed a few times. This account is older than 7 years but it is still being reported. 

XXXX XXXX is reporting an account as delinquent. Account was paid in full under insurance claim filed after I was unable to work due to health issues.
Product: Debt collection

I received a service from XXXX XXXX XXXX in XXXX, PA. XXXX billed my insurance company and there was a {$130.00} charge payable by me. XXXX sent the bill to the incorrect address and I was not aware of the debt until the bill was sent to collections and I was called by : Transworld Systems Inc. Systems Inc , XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX Acct # : XXXX Upon learning of the debt I immediately paid XXXX for the charges owed. As a result of XXXX XXXX   flawed billing a collection was opened and reported to the credit agencies.