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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I went into my local chase bank in XXXX, AZ to speak about getting a credit card which would be tied directly to my checking account since the bank is charging me XXXX each time they pay for a charge I make if funds are not available. Each month for over a year, I have been charged at least XXXX to XXXX overdraft charges which adds up to over XXXX a month. We applied for the card and it was denied. They said I had poor credit and refused to give me a credit card or account up to XXXX that could cover any charges I might incur. I think this is discriminatory and unfair banking practices since I applied for a loan online with liberty bank and received an automatic loan for XXXX. Immediately! Yet my own bank which makes XXXX of dollars per year off of my checking acct refuses to give me a credit card limit up to XXXX to cover overdraft fees. I have been paying the fees yet they said my credit is poor.To me this is ridiculous practice. It does not make sense for me as a consumer to continue to pay the bank these outrageous fees on my acct and not be given any credit with the bank. They also say they have the right to determine which charges they will cover so I have had a cup of coffee of XXXX paid with their XXXX fee and yet a car payment of XXXX was refused. To me, this is also discriminatory. Why would they not pay a person 's car payment which is necessary for the persons work and go ahead and pay for the cup of coffee? To me it is all about how much money they can make off of my account. 
I have explained this to the bank manager, I have called their XXXX number to discuss the over use of their of the XXXX fee and their discriminatory practice, yet they refused to deal with a simple solution because " I have poor credit. '' Yet they continue to rob my bank account with XXXX a month payments and their whim. Please investigate this policy and determine if there is anything I can do. I am just a middle class citizen who works long hours and am trying to survive.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my XXXX XXXX XXXX account in the total amount of XXXX USD utilizing Zelle 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Incorrect and Inaccurate Information on my Consumer Credit Report with Transunion LLC ... 
They sent me the Results on their Initial Dispute Investigation and some Items were Updated ... 

I sent them an Express Letter with the Postal Service on XX/XX/2020 requesting a Method of Verification of the Dispute Items Results under the Fair Credit Reporting Act Section 611 ...

They had 15 Days under the FCRA Consumer Law to give me a Response on their Method of Verification..

Transunion LLC sent me back a Letter Dated XX/XX/2020 basically refusing to give me their Method of Verification ...

I would like Help to Resolve this Matter and Hold Transunion LLC accountable for Missed Financial Opportunities because of the Negative Items on my Consumer Credit Report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a  Private Student Loan account that was originally through Chase. Th e account was opened on or around  XX/XX/2008   . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provide d, Chase deem ed that I was no longer liable for this account.  XXXX  and  XXXX  have already been updated, they have removed the  Chase Student Loan a ccount from my credit reports, however,  XXXX  has not removed this account. I have disputed this account several times on  XXXX , and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact  XXXX   XXXX   XXXX   (  XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact Chase, as they are the ( only -  XXXX  is NOT ) lenders reporting on my  XXXX  credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  Chase Student Loan  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words , Chase a nd  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Product: Student loan

This is my second complaint about Navient. Navient is still violating my privacy and fair debt collection act by calling my relatives and getting into arguments with them about me. On XX/XX/2019at XXXX XXXX EST, one of the Navient members called from XXXX to one of my relatives and got in an argument with him by accusing him of being me. My relative was driving when the phone call came. My relative almost got into an accident because the guy was not hanging up the phone. I have tried multiple time to talk to them but the conversation with them always end up in arguments because they are very unprofessional and never give me an option to resolve the problem. After my first complaint on them they reported in their response they will temporarily stop the calls to my phone but I am still getting phone calls now sometimes even about other relatives who may have a student loan with them. On XXXX I got a phone call from XXXX. Asking for one of my relatives. They admit that it is student loan services and they are looking for this specific person. I have multiple voice mail saved on my phone and different relative phones in which they admit that they are student loan services and that they are looking for these specific persons. They are violating the privacy and they are violating the fair debt collection act of whoever they are looking for. They need to stop harassing me and my family members and they need to stop violating fair debt collection act by calling different people about me and by harassing them and by accusing them of being me. In my previous complain I have mentioned that I have XXXX and XXXX because of Navient harassing me and my family members. They need to stop this defamation and they need to stop accusing people of being me. And they need to stop my relative information illegally online. How do they get the information about my relatives. My relatives ' information was never given to them by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an alert that someone had reported a change to my account. When I pulled my credit free report through their website I found that they had changed my address incorrectly, and without asking me. When I tried to dispute this they took me through a series of online screens that ended with an error saying try back later. When I called the " dispute '' line there was no option to dispute and no way to speak with a live person. The system hangs up on you. This situation is appalling. 

Throughout the process Experian tried to sell me services and protections for the personal and financial data they store and update without my permission, and which they failed to protect. Unfortunately, since they appropriate my most sensitive data without my permission I have no choice.
Product: Consumer Loan

i took out a simple interest auto loan at 25 % ish. i have paid over {$20000.00} in interest and less than {$3000.00} in principle since XX/XX/2010. 

i was hit hard by the economy, and did get behind. I had a couple deferments. When Icalled to ask what my pay off was just to get an idea I was floored that I still owe today what I financed XX/XX/2010. This feels criminal, and the DOJ file suit and sought damanges against Santander for their practices with Military Members. There has to be something I can do. I have my payment history. If upon your review you say it is legit then I will accept that.
Product: Student loan

I've been trying to make my payments to AES on time and ahead of schedule, however, my payments are not being processed as I have requested. 

I've had problems with my Loan being processed as I have requested. 

Non of my Loan Payments were processed as requested in XX/XX/XXXX, until I called several times to have AES process my Loan Payments as requested. 

Now again, for the month of XX/XX/XXXX, I submitted payments for all my Loan Sequences at the same time. After calling several times, all Loan Sequences were finally paid after being not being processeed as I requested, except one. 

I requested AES apply {$140.00} Loan Payment to Loan Sequence XXXX - XX/XX/XXXX. 

But Instead AES split my {$140.00} Loan Payment among FIVE ( 5 ) Loan Sequences : Loan Sequence XXXX - XX/XX/XXXX, AES applied {$9.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$2.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$1.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$60.00} to Principle - {$21.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$44.00} to Principle - {$0.00} to Interest This is very frustrating for me. I have to call several times for AES to finally process my Loan Payments as requested. 

AES has blocked me from making online payments as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. This is my XXXX time complaining this issue to CFPB and asking a blockage of these accounts with Equifax. XXXX and XXXX Honored the trafficking request and blocked the reported accounts within 4 days. I am attaching the XXXX letter of removal to these accounts from my Credit. Equifax is causing inconsistencies with my credit Report by not honoring the Trafficking request Accounts : Account numbers : Date Opened : XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX BANK XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX Bank XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XXXX XX/XX/XXXX XXXX XXXX XXXX. # # # # # # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I also see XXXX other names on my credit profile which is as a result of the trafficking. 
I need these names blocked and removed from my Equifax credit Report XXXX, XXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX  trafficking or XXXX trafficking if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXXXXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX  - Account XXXX Please Update all payments, all pay was made on time.
Product: Credit card or prepaid card

I 've never had a single late payment or derogatory mark with Chase Bank or with any bank or lender, but Chase Bank, without warning or notification, shut down all my accounts with them, and told me there 's nothing I can do about it. They approved me for four cards recently because I have a clean credit report, but decided to not only close these new accounts, but all my credit card accounts with them without allowing me to plead my case to keep my accounts open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an closed account and that the balance I owe is {$290.00} reported closed XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX, Equifax, XXXX XXXX I am writing to formally dispute certain inaccuracies on my credit report as provided by your agency. According to my recent review of the report, I have identified several discrepancies that I believe warrant correction. 

1. Account Information : Account Name : XXXX. XXXX XXXX. 

Account Status : The report indicates this account is Closed, yet it shows a payment status with Charged off. This is misleading and should be corrected to reflect accurate information regarding my payment history and account status.

Payment History : The report lists payment history as 30/60/90 days late with a record of 0/0/8. This does not accurately represent my payment behavior, as I have not been consistently late on this account. 

2. Amount Past Due : The report states an amount of {$770.00} as past due with no additional information. I request clarification and verification of this amount, as it appears to be an error.

3. No Information on Payment Status : The report indicates No Info for the last payment status, which is inaccurate. I believe there is a record of my payments that needs to be updated. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide me with written verification of the findings. If you find that the information is indeed inaccurate, I ask that it be corrected or deleted from my credit report. 

Enclosed are copies of my credit report highlighting the inaccuracies, along with any relevant supporting documents. Please inform me of your findings and any actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agensy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have requested payoff of alleged debt on multiple occasions. Tobin Melien and Marohn has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a XXXX as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and XXXX XXXXXXXX XXXX account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be XXXX out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a phone call from XXXX, a rep of the Loss Mitigation department of my lender, Citadel Servicing Corporation, on XX/XX/2022, informing me that he had received notice from upper management that Citadel has finally signed up to participate in the California Mortgage Relief Program. 
I immediately contacted the XXXX rep and shared the great news and also requested for my application to stay active so that they could contact the servicer. 
However, on XX/XX/2022 I received another phone call from the same representative that advised me that Citadel has decided to not sign up for the program and therefore, my application will probably become inactive. 
Today, after numerous attempts to get a straightforward answer, Citadel 's Consumer Advocacy rep, XXXX XXXX XXXX, confirmed that the upper management at Citadel has decided to not sign up for the California Mortgage Relief Program. 
I informed Citadel that I will report this incident to multiple watchdog government agencies as this shady conduct from Citadel has become all too familiar. 
Furthermore, Citadel stated in a past correspondence that I owe about XXXX for the forbearance period I was placed under during the XXXX XXXX shut and lockdown. However, the correct amount for the XXXX months of forbearance I was approved for and also have a written contract for is {$50000.00}. 
Currently, I have sent in the Loss Mitigation Package for their review and am also actively working with a new lender to move my loan from this horrible banking institution. 
I have also requested multiple times in writing to please be informed on who is currently the owner of my loan. 
Unfortunately, I have not been given any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerned : I have been informed that there is a debt collection with balance of {$5900.00} with National Credit System ( NCS ) on both my XXXX and XXXX  credit reports. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any amount of debt. 

This listing was on my file ever since XXXX XXXX. However, I have not received any notice from NCS about this negative information. Per Fair Reporting Act section 623 ( 7 ) ( A ), " the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''. 

Also, I mailed a certified Debt Verification letter to NCS on XX/XX/2021 ( USPS tracking number : XXXX ), requesting any contract or agreement that bears my signature to show my consent of payment/debt. After 30-day window, I have not received anything back from NCS that can validate the legitimacy of the above mentioned debt collection. 

I have contacted both XXXX  and XXXX  to dispute this false reporint but NCS has " confirmed '' the information with both of them, knowing that the debt is non-existent ; which blocked my dispute.