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

In XXXX of 2017 I was switching from my old provider to XXXX who provides a bundled package with XXXX XXXX. Upon an in depth review of my Equifax credit report I noticed that I was hit with TWO hard inquiries from XXXX within six days of one another. One on XX/XX/XXXX and one on XX/XX/XXXX. It's TV service, it gets shut off if you don't pay, I don't see any reason whatsoever why TWO hard inquiries would be necessary in one week. I have attempted to contact both XXXX and XXXX, but they both blame each other and ping pong me back and forth without taking any responsibility. This, obviously, directly impacts my credit score and I would like to see one of these hard inquiries removed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate information on my credit report. 
Self-Financial /Lead Bank Account number XXXX status of account paid, closed and also account number XXXX status of account Paid, closed After reviewing my file, I have found that my personal information has been furnished or obtained without my written consent or authorization, which I believe to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.

Under this statute, my credit information may only be shared with parties who have obtained my explicit written consent or who have a legitimate need to access it. I did not provide consent to any entity for the furnishing or obtaining of my credit information, nor have I authorized any such actions. Therefore, I request that you immediately investigate this matter, as required under the FCRA, and remove any information that has been obtained or furnished without my written consent.
Product: Debt collection

XXXX XXXX was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted XXXX, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.
Product: Student loan

Navient steered me saying XXXX qualified for income driven repayment plans into forbearance instead. By steering me is caused me to XXXX  being in forbearance, interest accrue and capitalize Deceiving me about Navients requirements for cosigner release. Mislead me about improving credit scores and the consequences of federal student loan rehabilitation
Product: Checking or savings account

Paypal wrote a book during the last dispute that did not make any sense it was 3 transactions that were made at 1 machine {$60.00}, {$40.00}, {$100.00} that I received the incorrect amount of money, and if they have audit tapes please provide them me footage of me withdrawing the amount of money that paypal say I withdrew, also the {$230.00} was a unauthorized transaction i have auto insurance and I was just shopping around for insurance, and never committed to transferrirng my insurance to this company XXXX XXXX, If you have my signature on any of their documents if so then please provide that so I can see, that my signature was also forged, if not then If I say it is unauthorized how is Paypal to say what is authorized and what isnt they are not me, and If i say it was unauthorized then they should have treated it as if it was unauthorsized they violated regulation e policy they cant make me be insured with a company I didnt want to become my insurance provider and that is why they refunded me back but paypal should have got my full amount refunded and I do not owe paypal anything once they correctly refund me for the unauthorized transaction, the {$100.00} they owe me they can refund it by check or by sending it back to the bank account they fraudulenty withdrew it from
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive included a screenshot with confirmation that this company did not provide any info regarding the findings of the accounts that are Associate it with the 2 complaint IDs that are attached to screenshot. Only one account was removed from my credit report which was XXXX XXXX. The accounts that are still on my report is causing problems with with me getting into a home. Please send information obtained regarding all accounts that are still in my credit after I started the dispute process, if that can not be granted please remove all accounts associated with complaint IDs that are attached as its been past 30 90 days. Also the I still have incorrect spelling of my name on my credit as I stated before my name is not XXXX Nor is it XXXX XXXX XXXX. My name is XXXX XXXX XXXX nothing more nothing less remove any other names thats on my credit report
Product: Checking or savings account

I DO NOT have an account with Chime or The XXXX Bank. However, I have received text messages from them saying my " Chime account is ready '' and to set up the app. Then a couple weeks later, I got another text message to my phone saying " Your Chime Visa Debit Card was delivered in a bright green envelope. '' I panicked because I didn't sign up for an account with this business and was immediately concerned there was possible identity fraud in progress. A few days later there was a " bright green '' envelope from Chime in my home mailbox and it was clear there was a plastic card inside. When I opened the item. there was what appeared to be a debit card with my name and an account number and expiration date. There were directions which stated " Activate your card and set up a pin in the Chime app ''. Then is also stated " Set up Direct Deposit with Chime & get paid up to 2 days early ''. It had The XXXX Bank information and account information for the direct deposit info. Again, this was deeply concerning because it was unsolicited and from an institution that I do not do business. I was very concerned that the was a possible fraud action by someone and immediately ran credit reports to may sure someone was not trying to open accounts in my name. These companies ' XXXX ChimeXXXX Bank XXXX practices are unethical are XXXX. They should not be sending debit cards with account out to people that did not request them. We have a problem with mail getting misdelivered ALL THE TIME. What if this had been put it the wrong box? Someone would have had a access to a card and my information. I have tried to get in contact with Chime via email, but all I have gotten is auto messages or messages asking for my personal information and " account info ''. They just need to stop this practice!!!!
Product: Student loan

I was told if I set up auto pay and had a bank account with Wells Fargo that the interest rate would be less. Interest rate is 5.99 %. My loan started repayment XX/XX/XXXX, and I had about {$10.00}, XXXX balance. I am paying more interest each month than principal ( which is definitely not 5.99 % ... more like 55 % ) and the interest is not decreasing as principal decreases. As an example, I paid over {$1100.00} in interest last year and only {$460.00} in principal. I have called several times to see how I can pay sooner to get the principal lower and therefore pay less interest but can not get a straight answer. Since my payment is due on the XXXX of each month, I tried paying on the XXXX for the following month ( to pay ahead and therefore pay less interest ). They then still took the auto payment on the XXXX, which should have then been all toward principal ( but they still took interest ). I'm being told interest is compounded daily but the paperwork I have says APR and it was very misleading. They assessed a late fee when I wasn't late ( I had auto pay ) and the management has been horrible. Now, I received a letter that they are getting out of the student loan business ( which they should because they are ripping off students ) and selling the loan to XXXX XXXX, a division of XXXX as of XX/XX/XXXX. I feel they should be held accountable for their fraudulent practices and my account should be adjusted correctly. If I compare my Federal student loan ( which is at 4.66 % interest APR ), the computations are totally different between the two. Upon researching Wells Fargo, I see many complaints regarding their student loans and it isn't right that they are just getting away with it and selling out our loans to another firm ( although I am hoping that the management is improved ). I will be looking to refinance as well because I can not afford to be paying for a year and have paid twice as much interest as principal. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion on XX/XX/2020 about unauthorized inquiries on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letter was ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these inquiries should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting false inquiries on my credit report. The inquiries that are reporting does not belong to me. When I was on a trip someone got a hold of my personal information. I was a victim of identity theft. If these inquires are not removed I will file litigation. I am entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit card

I have been using TJX Master card for many years and practically always was paying on time. But recently this card becomes a disaster and costs me a lot of money. It started when I had a balance of XXXX and they charged me {$2.00} interest for it. More recently the Synchrony bank has introduced the fee of {$1.00} for paper statements and thus forced me and perhaps many other customers to switch to email notification instead. In my case, however, their notification went to the junk mail that i didn't see so I missed the payment for few days. That happened in XXXX. As soon as I saw it few days later, I paid the balance, but the bank refused to reimburse me the late fee and interest charge claiming that they already did it for me earlier in XXXX when i was late for one day. I have no record of this in my credit card statement but in any case, it seems as not the reason to punish someone if a payment missed a deadline for few hours. In addition to that, they continue to charge me next month when i did not even had a balance, they still charge me {$1.00} interest. Altogteher they overcharged me {$32.00} ( {$27.00} late fee, the rest is interest for 3 months ), and I am not sure if there will be another charge this coming month. This has to stop and my money refunded to me. This new rule of forcing people to paperless statement is discriminating to senior people who are not very computer savvy. And it is dangerous to rely on email delivery. All my other credit cards are sending me paper bills and I always pay them after checking if the charge is correct.
Product: Payday loan, title loan, personal loan, or advance loan

This company 800loanmart is reporting I have an auto loan with them. Investigation shows they are a title loan company. Ive never applied for a loan with this company nor have I ever received funds from said company. Ive filed disputes over and over as well as sent a police report and identity theft report with the federal trade commission. Company is still reporting this account on my credit!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information on my consumer report. The credit bureaus are reporting a contract with XXXX XXXX XXXX XXXX that was rescinded on XX/XX/2023. Despite the contract being rescinded, the credit bureaus continue to report the account as active, which is negatively impacting my credit score. I have documentation to support the rescission of the contract. I request that the credit bureaus investigate this matter and correct the inaccurate information on my consumer report. When a contract has been rescinded, the contract no longer exists according to federal law. This is a major violation of my consumer rights.
Product: Mortgage

I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ...
Product: Credit card or prepaid card

I XXXX XXXX request that the attached account remove me personally as a user, and that all credit trade line references on XXXX XXXX, XXXX and XXXX, and XXXX if applicable. My husband has passed away, and any collection on this account can only go through his estate. I have no obligation to this debt, and any collection matter can not apply to me personally. I was never a responsible party to this account and my matter only applies to the Fair Credit Reporting Act, and any collection matter applies to the Fair Debt Collection Practices Act. This item must be deleted from my personal credit reports permanently. Please reply through the Consumer Financial Protection Bureau only, and my rights for deletion are within the legal guidelines for add on signers to accounts, and the deletion of said connections. I am not a responsible party and desire to have this account removed permanently. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported XXXX late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.
Product: Debt collection

I have two other complaints for the same issue, but with different companies. I had a dispute with XXXX XXXX XXXX XXXX XXXX stemming from a XX/XX/2019 ER visit. That debt was sold to a collector. I disputed this charge with the CFPB XXXX XXXX XXXX XXXX, then later with a collections company. Both of them have pointed the finger at each other, and I have now received a notice from yet another collections agency, XXXX FMS for the same debt.
Product: Mortgage

On XX/XX/year>XXXX  my mortgage company ( Planet Home Lending ) sent me a Escrow Analysis. 
The issue is there is a difference the Expected Amount Due and Actual Amount Due in regards to my home insurance and property taxes. The differences is {$310.00}. Some how they claim that there is a shortage of {$2200.00}. This is unacceptable and I need your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. Beth Page Federal Credit Union has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over 20 different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take 3-4 days, then up to a week, then 10-14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why XXXX is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have provided all the requested documentation on identity so that they can unlock/unblock my online portal. Each time I submit documents Equifax claims they did not receive them or the time lapsed and I have to resend the documents again. On my last conversation yesterday, XXXX indicated they never received documents submitted for letter dated XX/XX/XXXX and that Ive never provided them with requested documentation. 
Most recently, I provided my birth certificate. This is unacceptable. Due to the fact they claim they did not receive my birth certificate, I am uploading my id again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING
Product: Credit card

I applied to Amex for a XXXX  card reference # XXXX. I was denied extension of my own credit by Amex. I contacted the underwriter team via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. In the mailings I informed the team that I can not be denied an extension of my own credit because the application that I submitted for services gave them a security interest which is an obligation of the United States. This makes it cash and I have not received valuable consideration for the security and that the security can not be minuscule consideration effectively masking a gift as a contract. I also explained that I wish to have my card issued to my name in an open-ended capacity. Amex responded to my mailings via the mail on XX/XX/XXXX stating they would be happy to complete my request if i would give them a XXXX ID number which I can only have if I was already an Amex card holder. I then called Amex multiple times to be told the same thing regarding my denial of credit. The last call was XX/XX/XXXX when Account Rep XXXX stated there was nothing she could do about the issue. I informed her that Amex was violating the Securities Exchange Act along with the Indentured Trustee Act and stated that I would pursue this matter legally if my demands where not meant.
Product: Debt collection

Dispute letter and debt validation letter was sent to the company First federal credit corporation no response I even had it escalated