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

On XX/XX/XXXX, XXXX fraudulent transactions showed on my credit card account with Fifth Third Bank, transactions I did not make, those transactions sum a total of {$4300.00} dollars, now more because they have been charging interest and fees since then, At that time I informed the bank about them and they initiated an investigation, the result of this investigation resulted in a denial of the claim stating that the card had been used phisically through the XXXX chip on the card and that the technology can't be duplicated by criminals, at the moment and as I did not make those transactions, I filed a complaint with the cfpb, so this is my second complaint, I filed another complaint with the Florida XXXX attorney, and I went to the police where they filled a report about the case, I wrote XXXX letters explaining the bank that they were wrong, I have been in this country for 17 years, never being in a kind of debt I was not able to pay, so my XXXX XXXX was very good since then, affected XXXX points now for this matter, It is totally unfair for a family or any individual with the honesty I was grown up to be quite and not stressful with this situation, Police departments hadn't been any helpful in trying to investigate the matter as It should be, I went to place where transactions were made and the guy who is the only person and owner of the place doesnt want to give any invoice or camera records from that day to know who made those transactions with my identity, someone called the bank using that information to give a false td bank account which I dont have, It is really dissapointing how the finantial system is taking these fraud cases and passing those charges without any further investigation, and affect the finantial system trust of consumers, I am proceding to close the rest of my credit card accounts, because if you can't trust in the system is really risky, this has affected my normal daily life, the quality time I should spend with my daugther and family, nights of bad sleeping just with the worry that I should pay for something I didnt buy, I get up early in the morning every day to take a better life to my family, and with a lot of effort we try to give a better life to our daughter and being scammed in that way is not fair, I ask to Fifth Third Bank to take my XXXX XXXX as it was and inmediatly to take all those fraudulent charges out my account with them and my finiantial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXXXXXX XXXX XXXX and it has not been corrected. The accounts are still reporting wrong on my credit report but it is already closed. The accounts have been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I ordered a new debit card on XX/XX/XXXX, which I never received. 
On XXXX XXXX XXXX I noticed purchase transactions that I did not make. 
I reported the fraud to my bank ( Wells Fargo ). I have called them multiple times per week since the fraud occurred. I have been into the bank in person to discuss 3 times. 

I don't know what else to do. Below are the transactions being disputed, which some Wells Fargo has reimbursed me. 

These 6 transactions were denied repayment and I did not make these purchases. 
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 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 Wells Fargo 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
Product: Credit reporting or other personal consumer reports

I urge you to carefully review this complaint, as it has been submitted with serious intent. My credit report contains mixed information, including accounts, transactions, and items that are entirely unrelated to me. This issue is deeply troubling and has caused significant stress and anxiety, as it directly impacts my financial standing and well-being.
Product: Credit card or prepaid card

I called Capital One today and spent over an hour on the phone with no results. I recently made a payment on XX/XX/XXXX, that cleared my bank account the following business day, XX/XX/XXXX. Capital One has said payment on a 6 day hold and is refusing to update my available credit for usage. The funds have been cleared and the payment has not returned so I am very frustrated as to why the funds are not being made available to me. I spoke with a supervisor who told me there was nothing she could do. I then asked to speak to her manager, and I was told her manager only handles administrative tasks. The first associate I spoke with had construction going on in her home and I could barely hear her the entire call. When I asked to speak to her supervisor after being placed on a 15 min hold, I was disconnected from the call.
Product: Student loan

I was charged XXXX 90 days lates in XXXX and XXXX of 2013. I was enrolled at XXXX University in Oregon but i was not using financial aid so i did not do a FAFSA. Years later when i finally checked my credit, I found the late charges and I disputed them. Navient told me that they needed proof of enrollment so i sent them my class list and fee schedule for that semester. They informed me that was n't good enough and requested additional info. I feel like they are just making it hard for me to remove those late payments so they can keep their rates higher. This is double jeopardy. I would like for them to remove both late payments from all XXXX credit reporting agencies. 

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of XXXX.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. Transunion and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
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 and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file is listed on my credit report : XXXX XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX2016 Balance : {$72.00}
Product: Checking or savings account

On XX/XX/year> I noticed several transactions on my checking account I didn't recognize and called Chase to report the charges. They immediately closed my debit card and the representative submitted a claim on my behalf totalling {$950.00} between the dates of XX/XX/XXXX and XX/XX/XXXX of this year. The claim was opened on XX/XX/XXXX and closed 2 days later. I was not contacted by Chase at all and have been without access to the funds still in my account, as Chase wouldn't allow me to use my digital debit card that was added to my account the day after the claim was filed and I still don't even have the new physical card. Chase representatives kept telling me for days I couldn't use the digital debit card because there was fraud on my account, which makes no sense since they denied my claim of fraud! 

I am a single mother of XXXX children. I don't have a lot and {$950.00} might not seem like a lot, but this has caused me to miss a mortgage payment and now my car payment. I had to borrow cash from a friend just to feed my kids over the last week. 

Someone has stolen from me and I can not make it much longer without that money. Everyone at Chase has given me the run around and says the chip was used to make the purchases, so I made the purchases and if it wasn't me to file a police report. I did attempt to do this but was advised there's no proof it wasn't me and I don't know who it was so they can not file a report. 

I've spent countless hours on the phone trying to get someone to listen and all Im told is I need to provide proof. 

I'm desperate for someone to help me and I don't know where else to turn. Please help me get my money back. I'm on the verge of losing my house and can't pay any of my bills or even buy food for my family.
Product: Checking or savings account

capit al one 360 has close d my checking account ending  XXXX  without giving me any reasons or communications. They also refuse to release the fund of {$3000.00} in that account, claiming that the originating bank of those fund has to pull those back, which is absurd and virtually not possible for me as a consumer to realize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.
Product: Mortgage

On XX/XX/year> I called and noone would speak with me I asked where I should send the information from the courts so they can speak with me, they hung up on me. I called back on XX/XX/year> and had to beg for an email address. There statements don't show any mortgage information, balance, payments, etc. 
I sent a copy of the trust and cc 'd the attorney involved in the transaction to the following email address XXXX as of today, i have received no response and my mortgage payment is due Monday XX/XX/year>.
Product: Student loan

My loan type is FFELP and my repayment date started in XXXX with originally with sallie mae but i file for forbearance cause i was unemployed until XXXX, from XXXX i started making payments on my loans to this date and I've never missed any payments. In XXXX i made a payment to navient to pay off the interest on my XXXX consolidation loan online after i made the payment they took a XXXX dollars from XXXX consolidation loan i brought a balance back on the interest of my loan, which at the time i thought it was normal until i call them and ask them if i is possible to payoff the interest on my loan, so i kept a track on my balance since XXXX to present day on my account of my loan balance and payment and i realize everyday {$4.00} and change goes on my account everyday which is {$120.00} + a month which has been going on my account since I've been repaying student loans, ( my balance on my loan on XX/XX/XXXX was {$23000.00} XXXX ) ( my balance on my loan on XX/XX/XXXX was {$23000.00} XXXX ) ( my balance on my loan on XX/XX/XXXX was {$23000.00} XXXX ). Every year I pay around {$3000.00} + towards my loan and starting from XXXX to XXXX my balance was over {$33000.00} and today just over {$23000.00}. They have projected my loan to be paid off XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX Balance : Balance : {$0.00} XXXX XXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts on my Experian Credit report. FTC ID theft report # XXXX
Product: Debt collection

I don't owe this debt. Portfolio Recovery is attempting to collect on a debt that is not owed to them. They are continually harassing 's me asking me foe money after I all ready requested the cease all contact. I am in the process of filing a law suit in regards to this matter. They have yet to prove or send any validation that I owe this debt and it is negatively effecting my credit rating. Their information is false and misleading
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue XXXX also Experian is reporting a XXXX  account on my file and I do have a police report this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX XXXX : {$24000.00}
Product: Mortgage

Stonegate Mortgage has paid invoices submitted to them regarding my account without consulting me. Consequently, they have paid XXXX insurance agencies that are not my provider for an amount over XXXX. 
I wish to formally have the following happen : I am formally Disputing the invoices that lead to withdraws to my account Have Formal Investigation into all withdraws from my account I did not authorize any withdraws from my escrow receive all documents regarding withdraws from my escrow Refund all funds back into my escrow Correct my credit score from XXXX/XXXX/16 Refund XXXX extra charge given on XXXX/XXXX/16 I can be reached at XXXX
Product: Debt collection

XXXX XXXX XXXX Acct # XXXX. This debt has been disputed previously. Fox collections has since re-aged the debt by applying a payment to the account. I have never made a payment to this account either through Fox, or the client. Fox says I made a payment through their client XXXX XXXX XXXX last month for {$50.00} ... This is impossible since the practice has been closed for a few years now, the new practice is not collecting or servicing XXXX XXXX 's debts and XXXX XXXX is deceased and I am disputing this debt. I called and explained to Fox collections that I was making payments to XXXX XXXX and that they accidentally sent this to Fox for collections. Fox created XXXX new accounts for XXXX XXXX : XXXX with acct # XXXX and XXXX with their parent company info for # XXXX each for the same amount of {$190.00} balance. XXXX associates pulled these XXXX erroneous collections back due to their mistake and I received a letter from Fox stating they would be removed and XXXX XXXX was. Now the XXXX XXXX XXXX account # XXXX is showing a payment.I have not completed my validation of this debt and have never made a payment on it. Fox refuses to correct this issue and to contact XXXX associates to verify. I believe that Fox is attempting to re-age an old collection, which is illegal reporting.
Product: Credit card or prepaid card

Direct Express is asking to identified my self for the last 24 month and until now still waiting for their approval state and federal document are not good enough to process and issued a new card neither to provide information on the account activity
Product: Student loan

On XX/XX/XXXX I spoke with Fed loan Servicing who told me that if I consolidated my loans, I would be given forgiveness based on paying said loan since XXXX. I consolidated from XXXX to them per their recommendation. I spoke to someone shortly there after regarding the increase of interest and now having to pay for another 10 years when I had only 4 left prior to consolidating and again I was reassured that my loans would be forgiven. On XX/XX/XXXX again I spoke with Fed loan servicing who now has told me my loans were not and will not be forgiven. I am now suck at a higher interest rate and my credit being pulled to consolidate due to lies. I would have stayed where I was if I would have had the correct information to begin with. Fed loan services lies to get your loans and then lies about forgiveness. I was told by 4 separate people at fed loan servicing that my loans would be forgiven, the last person said that I did not and would not qualify for 10 years. I would not have had 10 years if I did not consolidate based on lies. The last representative also would not let us speak with a manager
Product: Credit reporting

To whom it may Concern I having Issues with the Credit Reporting Agency Not Respecting My Rights. I Pulled my Credit Report saw things that were n't Correct. So i Disputed all items in a dispute letter along with Laws, Rights, and Request and they have completed the dispute without giving me the items i requested which are the method they use to verify this claims along with names and numbers of the people they have spoke to verify these claims, and also to mail me the Original Accounts with the wet ink signature. I dont understand why we are going back and forward me disputing old zombie accounts that they keep updated to make money off it XXXX XXXX Department of Eduacation XXXX XXXX XXXX accounts thats paid in full, I have attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleasereversethelatepaymentreportedoninthisparticularaccount:XXXXXXXXTheaccountwasneverpastdue,Inevermadealatepaymenttothiscompanyever,pleasechangethis.Ihaveagoodrelationshipwiththiscompany.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDING CLUB CORP reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out LENDING CLUB SOLD my loan to XXXX XXXX on XX/XX/2019. I contacted XXXX immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from XXXX that my account PAID IN FULL. therefore Lending Club should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which Lending Club refuse to do & keep negative mark on my credit history.