23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX and XXXX XXXX re-aging another account that was reported and removed from my account long ago. It is now showing up as a new collections account as of XXXX XXXX, 2015 from XXXX XXXX XXXX for {$600.00}. 
I had a Bank of America account and I closed the account because they were repeatedly making it look as if I was debited the account with no funds. I wrote many times not to allow my account to be charged with no funds in the account. I would have money showing in the account and when I used it I would get over-limit fees and other fees until they charged up to over {$600.00}. I had close all my accounts with them and refused to pay because I know I did not use the card. I even closed a money market account and a few months later the bank reopened it and started to charge me fees on it. I had to let them know I had taken my money out of their bank and they had no right to reopen the account. 
This bank took money from me for charges I did not make.
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. Account : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but TransUnion and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. Account : Net Credit Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

When I tried to purchase tickets on XX/XX/10, this AA credit card offer showed up. It showed that I would get additional miles and {$200.00} credit. When I receive the statement, there was no credit applied and no additional miles were received. Citi is committing fraud asking customers to open card and then coming up with excuses not to apply credit. 

See the attached for the offer that showed to me and other consumers. It's wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.
Product: Mortgage

On XX/XX/XXXX my FHA loan was transferredfrom XXXX XXXX  to New Rez because XXXX financial filedfor bankruptcy. 
on XX/XX/XXXX I received an " Escrow analysis '' from New Rez that stated a 1/6th balance cushionwas required for my escrow account. I have never had this requirementbefore for myescrow account with any of my previous " holders/lenders '' of my FHA loan.I called New Rez several times between XX/XX/XXXX and XX/XX/XXXX attempting to get the 1/6th. cushion requirementremoved from my escrow account because per my originalnote a " 1/6th '' cushion is not required and also because per my " welcome letter '' None of my mortgage terms are to change, the only difference is the company I send my payments to. 
I have had my FHA mortgage loan since XX/XX/XXXX and since my mortgage has been transferredto 3 different lenders and never have I had this issuebefore.On XX/XX/XXXX I decided to make yet another call and speak to a supervisor considering that any other time I had talked to a customer service representative my questions were not being answered in a consistentmanner. I spoke with a manager by the name of XXXX XXXX who opened a case for me and said it had a completion date of XX/XX/XXXX. When I called on the XXXX. for the resolution of the case they stated they were still working on it. Today, XX/XX/XXXX when I called I was told by another representative that the case is still open because the original request was not to remove the 1/6th cushionbut to rather close my escrow account. I have not made a payment to my mortgage for the month of XXXX because I can not afford my new mortgage account because of the XXXX cushion. I am under the impression that because my loan was transferred to New Rez from XXXX and the welcome letter states that nothing will change in regards to theterms of the loan and also because the 1/6th cushion was not a part of my original FHA mortgage note, that what they are doing is not legal, and thus, I am reaching out to you for your guidance and help in regards to a resolution so that I won't lose my home. 

I also am concerned in regards to the legitimacy of this company. All of my correspondence say " New Rez '' but when I call they state their name is Shell Point Servicing and New Rez is a  subsidiary of Shell Point Servicing. I just want to make sure my previous payments made are to a legitimate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/CapitalOne is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I turned in my leased vehicle early inXX/XX/XXXX. I returned it to the dealership where I leased it from -- XXXX XXXX  in XXXX, CA. The lease was turned in approximately 20 months early. I paid off the remaining payments owed on the lease to GM Financial -- the leasing company. At a rate of $ XXXX/month, the approximate lease payoff to turn the vehicle in early was {$2100.00}. I paid {$2200.00} to GM Financial as a payroll -- slightly overpaying to cover any small interest amounts that accrued.

Since then, I've attempted to get the lease fully settled and a refund of approximately {$30.00} issued to me. In XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX to request the small refund. XXXX advised me that a final bill wasn't generated yet however he would request one. He did however generate a letter for me saying I owed {$0.00} on the lease. I never heard anything from GM Financial since. Today, onXX/XX/XXXX, I called GM Financial again asking for a refund. They advised me there wasn't a refund due. I asked for a final bill showing how the {$2200.00} was applied, and they advised me that one wasn't generated yet. The representative on the phone advised they would request a new one however couldn't at all tell me how long that would take.

Lastly, I received a new car registration in the mail dated XX/XX/XXXX issued by the State of California. The document shows me still as the registered owner despite turning in this vehicle back in XX/XX/XXXX. It's clear to me that they still haven't updated DMV records to reflect them taking the car back
Product: Checking or savings account

My husband, XXXX XXXX XXXX, XXXX & I own a XXXX XXXX called XXXX XXXX XXXX XXXX in XXXX, LA. About 3 years ago we opened a business checking account with Chase Bank. A little more than a year ago a hurricane hit XXXX XXXX, FL, which is where we are from. Most of XXXX 's family still live there. After several of his family members got ripped off by bad contractors, we decided to go there to help them. We did everything legitimately, including getting a business license in FL as well as set up a FL office. We did work on several of XXXX 's family members including his parents, his sister & several of his Aunts & Uncles. The largest of the jobs, which we are still working on belongs to his XXXX XXXX ( XXXX ). He has XXXX commercial buildings that combined needed {$1.00} XXXX in repairs. We have been working on them for a little over a year. During that time, XXXX XXXX was diagnosed with XXXX  It was deemed necessary for XXXX XXXX XXXX, XXXX, my husband 's Father to get power of attorney to handle XXXX XXXX business transactions. All the payments to us up until recently had either been by check or cash. The insurance company had stalled the next payment and the funds we had already received had run out. So, XXXX XXXX tried to make a payment to us with his credit card. They saw that the last name on the card was the same as the recipient and red flagged our account for fraud. They said it is illegal to pay yourself. We explained the entire situation as well as had my husband, XXXX XXXX XXXX XXXX XXXX, his Father, XXXX XXXX XXXX, XXXX & his Uncle, XXXX XXXX go into the branch with their ID 'S to prove they were 3 separate people and the power of attorney documentation. They said they did not care and basically treated us as if we had committed a crime. We have an A+ rating with the Chamber of Commerce & the XXXX XXXX XXXX as well as a 5 star rating on XXXX XXXX We pride ourselves with an impeccable work ethic. They are holding a credit card payment in the amount of {$5000.00} for a staggering 120 days. They are also holding a check that was deposited just before they flagged our account in the amount of {$40000.00}. We are a XXXX XXXX and holding that much money is crippling our business. This is so unfair and it doesn't seem right that Chase can do this to us.
Product: Credit reporting or other personal consumer reports

Someone opened a synchrony bank credit card in my name... the account was closed and my credit score went down XXXX points ... they sent a letter saying the account was not opened by me, and they were clearing my responsibility... I see it was removed but my XXXX credit points are still missing I've called and called synchrony bank and they don't do anything for me pretty much told me stop calling I don't no where to go from this...
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Some of these were collection accounts that have already been deleted, but are still showing either from the original creditor as a " XXXX XXXX '' / " XXXX XXXX '', or never was removed.
Product: Credit reporting

Although Credit Karma is not a " reporting agency '', they claim to provide this service to consumers and if their information is no correctly accurate, it affects my decision to make a request for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have tried for months to obtain my PIN. I went to the website, and it doesn't even offer me the questions to try and identify me. They state I must send sensitive information through the mail. I refuse to do this as US mail is not secure. They indicated if I paid a monthly fee, I could get it lifted, and speak to real people. None of this has happened, and I still can not contact a person I understand they had a security breach, and it is of paramount importance that I get a new PIN, or at least my old one so that I can change it. It is impossible to talk to anyone on the phone.

I recently had issues with XXXX, and it was taken care of via their website.

I need my credit thawed, and unfortunately Experian is less than helpful in any matter.
Product: Student loan

I have been under an Income Driven Repayment Plan for years and Navient does not honor it correctly and denied it although fed loan and student loans.gov have me under a 0 monthly repayment plan. Navient has been emailed and called as to why I am forced to pay them and not receive my qualifying PSLF. I am an educator and have been since XX/XX/2008 to the present. It has been lie after lie and I also attended XXXX University with the loans under Navient and University XXXX XXXX. 
XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminde XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
XXXX XXXX XXXX approved XXXX Your Application from XXXX has arrived We have your Income-Driven Repayment plan XXXX Reminder : Your payment will increase soon It? XXXX time to renew your Income-Driven Repayment Plan! 
XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder Happy to provide more details
Product: Credit card

My husband loss his job of 25 years in XXXX of 2023 reducing our income from two to one income. We have been managing until now. We contacted Capital One regarding a financial hardship assistance to help us get back on track after missing payments. We were told that the only assistance that was available was the 3 month spilt of the minimum payment. I called because last year in XXXX we mailed several hardship request for all of our accounts and proceeded to ask if anything was needed. We never received a response then months later while attempting to enter a debt consolidation to help us get back on track. We were denied any loans or assistance because Capital One is reporting to the credit bureaus our late and missed payments during our hardship. When calling the representative stated that they did not offer programs to assist us other than the 3 month minimum on each card which is over {$300.00} dollars due on XX/XX/XXXX. We pleaded with the representative informing her that we could not afford the amount and asked if we could have all the cards merged into one account to prevent multiple interest per card. We were denied. We have been loyal customers of the company for years and now when we need assistance the most. We were denied help.
Product: Debt collection

After reviewing my credit file it has to my attention that XXXX XXXX has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. XXXX not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of XXXX XXXX company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.
Product: Debt collection

On XX/XX/XXXX I called fox collection to ask a few questions about a previous payment I made, at that time the agent started making threats about me being reported to the credit bureau. I said excuse me what? That was new to me and the agent hung up the phone. I had to vall back because I needed to provide my bankruptcy information. The agent refused to collect my lawyers information. A supervisor called me back and I provided her with my lawyers info, I voiced my concerns about the unprofessionalism and lack of knowledge from this company. They operate as bullies and their highly disrespectful which is why on XXXX they have poor ratings. The supervisor took my info and reassured me there wouldn't be any damage to my XXXX. My attorney XXXX XXXX advised me that fox collection reported me and this was AFTER i provided my chapter 7 info. My attorney advised me that fox collection is now in violation of my rights and I can proceed. I need for Fox collection to remove this account off my report as I also recorded the call. This company need to be investigated thoroughly because this is definitely unfair and illegal practice. I will make my formal complaint public in hopes that others will join in. I provided my bankruptcy information onXX/XX/XXXX and they reported on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX  -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with XXXX XXXX  and was sold shortly after to Penny Mac Mortgage that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and Penny Mac 's Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 -  Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My  telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8700.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.