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

In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

Capital One corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.
Product: Credit reporting or other personal consumer reports

I submitted to Chex Systems legal dept that they were in violation of FCRA regulation by refusing to removal XXXX XXXX XXXX XXXX from my consumer data report that belongs to a deceased customer. I gave them 2 FTC report # s that were also provided to the authorities that Chex System is keeping me from establishing new accounts with financial institutions that wish to lend me credit. While they say it's under investigation by their dept they have no right to keep it on my profile & Demand the remove the item today by law. 

XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

A few years ago I received a traffic ticket, and the ticket ( along with related information, how to pay, etc ) was mailed to an old address without my knowledge. Being a busy student at the time, I allowed myself to forget about paying the fine. Several months later, after the ticket was long overdue, I was contacted by the company in question ( AliianceOne is there name I believe ), and they informed me that the DMV was contacted by them and my license was put on suspention, and that I would not be permitted to remove the suspention until the ticket had been paid in full. Upon calling the company 's 'customer service ' line to pay the fine, I was informed that my debt owed was munmentally higher than what my initial ticket fee was. Granted, I'd understand if a late fee was added due to my neglegence, however my inital fine was a few hundred dollars, and I've since been informed that my current bill is something around {$3600.00}. 

I am a recent college graduate, and thanks to these shady business practices, my license is still on suspention ( its been a few years now! ), and because of this I have been unable to maintain even a third-rate part time job. If I'm expected to even be able to pay the inital ticket, let alone the thousands I owe in government-funded student aid, I need to be able to drive. I have offically given up on being able to live my life at all thanks to these disgusting and greedy practices, and if anyone ( besides myself, of course ) should care about this, it should be the US government, who is going to be out almost {$20000.00} in student loans I can not afford to pay, solely becuase I can not even legally drive a car! How else am I supposed to make money to pay the debts I owe? 

Thank you for taking the time to read this, I sincerely hope a righteous decision is made promptly. 

XXXX XXXX
Product: Student loan

I have multiple private student loans with Navient. I have been in numerous agreements on monthly payment plans. I was threatened that if I did not make a settlement payment I would face legal actions as would my co signers. I examined that financially j could not make such a payment and they continued to harass me, my employer, my husbands employer, my Mother in law, even my next door neighbor. I finally had to borrow the money and paid them {$8000.00} down. I requested a receipt and explaination as to how this payment was being allocated and the new payment plan l. I never received anything o asked for and then they continued to harass me and asking me for another large settlements. This is absolutely ridiculous. When I have no problem making realistic monthly payments. 
Then sometimes they withdraw 2 times for same payment and do not reimburse me. This is out of control and does not seem to be legal! I need it to end
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  - Account Number : XXXX - BALANCE {$19000.00}
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft, leading to unauthorized inquiries and fraudulent accounts appearing on my TransUnion credit report. 

The following inquiries were made without my authorization : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, TransUnion reports the following fraudulent accounts that were opened under my name without my consent : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These accounts and inquiries are negatively impacting my credit score, and I did not authorize them. I have already filed an Identity Theft Report with the FTC ( Report Number : XXXX ) and request that these fraudulent entries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2011 the U.S. Bankruptcy Court filed a Chapter XXXX bankruptcy judgement against me and my husband. We went through all the stipulations warranted by the courts. Our allotted time has expired and we would like this conviction erased from our credit reports, so we can move forward and re-establish our respect and dignity. 

Reference # XXXX : Discharged. Joint filing.
Product: Credit reporting or other personal consumer reports

I have been contacted by email concerning a XXXX  and XXXX  XXXX account created in my name. I personally reached out by mail to verify my identity and request verification and validation of the alleged debt. Recently, I have also contacted XXXX XXXX XXXX XXXX of XXXX about this matter. The lack of effort used for my investigation is affecting me tremendously and has caused severe XXXX  and XXXX!!! They are continuing to add interest to this fraudulent account and that is destroying my XXXX  profile. I am expecting integrity from both parties and Im hoping I can hold you the CFPB as well as XXXX and XXXX XXXX to a high standard in having this manner resolved in a satisfying manner.
Product: Money transfer, virtual currency, or money service

In the past using XXXX and making pay transfers people had said they never recienved it. When reaching out to XXXX, chase would tell me there was nothing I could do about it because the money was already sent. These were fraudulent and shouldve been returned.
Product: Credit card

CBNA did an unauthorized Hard Inquiry on XX/XX/2017. Their information mailing is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and their contact number is XXXX. When calling the number, the company stated was CitiGold and the only way to talk to someone was to enter my social security number- and I 'm not doing that. I have no idea what this is and did not authorize/approve ANY company to do a hard inquiry. I did ask for a credit line increase from Citibank on a credit card but nowhere did it say on the request that a hard inquiry would be preformed. Can you please remove this Hard Inquiry? Thank you for your time
Product: Vehicle loan or lease

XX/XX/year> Sent notarized Power of Attorney via Certified Mail to XXXX XXXX XXXX XXXX. 

XX/XX/year> Dealership contacted me and provided a link to complete an online application. 

I submitted the application, but the online platform did not allow submission of supporting documents. 

I was notified that I was denied due to credit. 

I immediately emailed my full financial package, including Tender of Payment, POA, and instructions to the finance manager to correct the process. 

All communication from their end ceased. 

XX/XX/year> My hard-copy financial package was delivered via USPS.

I received notice from the dealership stating the documents would be forwarded to the CFO. 

XXXX XX/XX/year> I visited the dealership in person due to lack of follow-up. 

They acknowledged receipt of the package and said it had been forwarded to the CFO and legal.

I requested contact information for follow-up and was given two incorrect numbersboth led to XXXX XXXX XXXX customer service XXXX 

Despite multiple requests, I received no further contact from the CFO or legal department. 

XX/XX/year> Received adverse action letter from Bank of America. 

XX/XX/year> Sent first round of Certified Mail letters offering opportunity to cure. 

Letters were accepted and signed for, but were disregarded. 

XX/XX/year> Received adverse action letter from XXXX XXXX. 

XX/XX/year> Filed UCC-1 Financing Statement securing lien on the vehicle ( Filing # XXXX ). 

XX/XX/year> Received dealerships own version of an adverse action notice. 

XX/XX/year> Sent formal Notice of Default via XXXX Mail. 

XX/XX/year> Filed UCC-1 Financing Statement securing lien on the estate ( Filing # XXXX ). 

XX/XX/year> Notified by USPS that 5 Certified Mail letters were refused by dealership recipients. 

XX/XX/year> Issued and sent a notarized Affidavit of Non-Response and Dishonor. 

Sent Notice of Lien Enforcement for both vehicle and principal estate name.

This complaint involves misconduct by Land Rover Cherry Hill and their failure to forward my secured credit package to Bank of America, resulting in an unlawful denial of credit. A similar complaint is being filed against XXXX XXXX for the same violation involving the same dealership.
Product: Debt collection

Date : XX/XX/19 Amount due : XXXX Navient Account Representitve : XXXX # XXXX I called in to speak with a representative to learn more about my options so I can come back to take my next steps before my deadline of XX/XX/19. The phone call immediately became hostile when I was threatened with an account closure and lawsuit if I didn't agree to the first set of terms they provided to me. 

I repeatedly asked him to not threatened me and my phone call was simply to collect information so I can get my accounting straightened out in order to make the proper payments. He also minimized and had 0 empathy towards my current financial situation to the point where I felt belittled. 
His whole agenda was to get me to agree to the 1st set of terms which I eventually did, however, I called back the next day and learned about a new set of terms which XXXX was reluctant to inform me on. XXXX withheld information from me that would have benefited my financial situation as a father of XXXX and XXXX in the XXXX XXXX who is underpaid, just to check off one of his boxes as a successful call. 

In the end, I agreed to the 2nd set of terms that another rep provided to me. I am truly disgusted with the customer service and lack of empathy and valuable information XXXX withheld. It caused me stress and fear that I couldn't feed my kids that very night because of the 1st set of terms I agreed upon. XXXX took this call very personal and was condescending during the whole call and lost all sight of his training. 

These tactics need to be reviewed and dealt with at a high level. No one should be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX-Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$8600.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX XXXX XXXX  Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my Experian report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Calling numerous times of the day and evening every single day only to hear a recording when the xall is answered. This is unbearable and needs to stop now.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX " I received an email XXXX XXXX at XXXX titled, " Your brokerage and crypto accounts are restricted ''. I am told that my account is restricted, I can only sell my stocks, crypto, and transfer my stocks to a new brokerage. I am contacting XXXX  Since I have asked multiple times for a statement detailing the date, time, and what exactly was broken under the terms and conditions to have my account restricted. They do not have a direct phone number you need to open a chat a request a call back. Once restricted I can no longer request chats thus I can not speak to them. I have been emailing XXXX to try and get an answer to my inquiry. On XXXX @ XXXX I sent them an email stating, " I am unable to call into your support, or make any chats. Please let me know why my account was banned from your platform. It has not been stated in any email, call, or chat I have received. If I am only temporally banned please let me know when this will be lifted. At this point I am unable to create a new chat or request a call on your application. I appreciate your time and honesty '' ( My Email ). On XXXX at XXXX I got a response from stating, " As I stated before, the decision is final and binding. There is no option to appeal this decision '' ( representative named XXXX sent via email ). Which tells me I can not appeal there decision and its final yet they never told me the decision, why, and how long it lasts. Big picture I opened a chat saying I could not trade a stock since it was frozen stock named XXXX. It was right after a large volume dip and I was unable to place an order. I sent a screen shot to them. They said, " it must be a glitch ''. No this is a FTC violation and I'm starting to think thats why I got banned. If you read this entire thing I appreciate your time. As of now I have transferred my money out and my stocks. My crypto is sitting in my robinhood account. '' I can not request a call. The only response I get from XXXX is ; the decision is final and binding. There is no option to appeal this decision '' ( Robinhood ). If its final then tell me what your decision is based off of when it happened and why. Then tell me what is happening to my account and for how long, please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled account with XXXX XXXX  in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau multiples times and it has not been corrected.
Product: Checking or savings account

Early this week ( XX/XX/2021 ) I received a debit card in the mail, unsolicited by Chase Bank. I have never had an account of any type through Chase Bank. Then on XX/XX/2021 I received a letter from Chase Bank ( dated XX/XX/2021 ) stating We received a check ( s ) previously deposited to your account that was returned to as as unpaid. In this letter there is a copy of the check ( front and back ). On XX/XX/2021 I presented in person to a local Chase Bank to close the account in question. I was notified while there the account was opened online and no identity verification was required. This is unrelated BUT on XX/XX/2021 I also received correspondence from XXXX XXXX  stating : Were writing to let you know weve reviewed your applications dated XX/XX/XXXX. We cant open XXXX XXXX  accounts for your right now because we werent able to verify your identity. This attempt to open an account through XXXX XXXX is also fraudulent. Clearly if CHASE Bank adhered to the USA Patriot Act like XXXX XXXX  I would not have had to spend 2 hours trying to close an account that I NEVER wanted. CHASE Bank should be held accountable for their business practice which clearly violates the USA Patriot Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of three letters to TransUnion in reference to accounts listed on my credit report asking for verification. They do not comply with the information requested in my letters to verify the accounts and they do not delete the accounts that they claim to verify. 

Letter Number 1 was sent on XX/XX/2020 Letter Number 2 was sent on XX/XX/2020 Letter Number 3 was sent on XXXX XXXX, 2020. 

I have copies of all three letters that I have sent in addition to return receipts that were requested with each letter.