23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I was alerted by my landlord that I hadn't paid my rent for the prior month ( {$2200.00} ). Knowing I had, I looked up the check on Chase 's website and sent the photos of the deposited check to the landlord. They pointed out that it was not their endorsement on the back.

I immediately called Chase Fraud Services and explained the situation. They gave me a " Declaration of Unauthorized Endorsement or Altered Item '' form to fill out and have signed by the landlord stating they hadn't endorsed the check. I completed the form, had it signed by the landlord, and returned it to a local branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for them to send to Chase Fraud Services on the same day ( XX/XX/2023 ). 

Having not heard from them since I brought them the form, I called today to check on the status. They informed me they were still waiting on the Declaration form ( the one I had dropped off at their branch months before ). I went in to try to figure out what happened. I spoke with the same woman who had helped me previously and she showed me that she had faxed the form on the same day and received a confirmation number. She called the claims department and they said they can't find it. I asked if they can look given the confirmation number the banker had. They said they couldn't and that I'd again have to go get the form signed by the landlord. 

This, to me, represents two institutional-level failures- cashing a check to the incorrect person, and the mismanagement and/or destruction of relevant materials for a fraud investigation.
Product: Student loan

I took out a loan for roughly {$5000.00} back in 2001 when I attended XXXX XXXX. I 've been paying on this loan for several years. To date I have paid more than XXXX for a XXXX loan. In 7 years, roughly XXXX has been applied to the principal ; leaving XXXX paid in interest. I still have XXXX remaining on this loan. This is embarrassing and I 'm saddened by the fact that it 's taken me this long to pay this off. At 9.4 % interest - It 'll be years before I can pay this off.
Product: Credit card or prepaid card

The Home Depot Credit card services ( Citibank ) has called me no less than 4 times each day to try to collect a debt. 
I missed one card payment and told them that I would pay in a couple of weeks because I just got a new job. I only missed one payment. Rather than wait until the 2 weeks went by, they call at least 4 times each day and it is more than annoying. I'm trying to work and they are blowing up my phone- which causes issues with my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights.

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

My student loan had been dismissed and discharged months ago and has not been updated on my credit file. I should not be showing any balance or any late payments.
Product: Checking or savings account

I had a scheduled XXXX on XX/XX/2023... .in my local hospital to have a XXXX XXXX. I was in XXXX for approximately XXXX hours then went to recovery. On XX/XX/2023... I looked at my bank acct to see if my social security check had hit my acct yet. When I went in to check there was over XXXX missing out of my act. The $ missing was from XXXX fraudulent charges of XXXX each. Made on my acct. Which I locked immediately.The charges were made while I was in XXXX and recovery. I contacted my banking institution and the Said I had to file each individual complaint as fraudulent. An individual finally worked with me to help me file them since I was just getting home and still recovering from XXXX on XX/XX/XXXX. I noticed on XX/XX/XXXX that my bank sent me an email stating they needed to verify my identity by XXXX Eastern standard time to keep my acct open I sent the copy of driver license and a selfie. The identity verification tab verified my identity went through at around XXXX XXXX. The email from my bank also stated the reason they wanted to verify who I was is because they thought " based on ther data and analytics my dispute my be fraudulent or false '' ... ..now I have been in the hospital in XXXX the days all this happened!!!! ... now ot XXXX XXXX  XX/XX/XXXX I get another email from my bank stating " we closed your cash card you didn't verify your identity after your dispute was flagged as fraudulent or false '' your dispute has been denied... .reason for declination " acct history..trans dusputes ... or other possible violation of terms if service '' ... .we can not provide further details and are unable to change decision. Then finished with I can't order a new card but I can still access my money in the acct and stocks and bitcoin hiw can they determine my acct was making a false or fraudulent accusation when I jumped through all the hoops they wanted me to. Then when I called back in I was treated like a criminal over the phone and Noone offered any help if it did not go by there pre scripted statements ... ... .there was over XXXX ... ... XXXX charges ... .I am a XXXX XXXX  man ... I have better thing to do especially when I am having a XXXX XXXX  that listening to over XXXX songs on an app.thanks for your assistance ... ... all this info is verifiable and none of it is false. It is all documented with emails and XXXX times at hospital ... ... .thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 's below have violated my rights.

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 In accordance with the Fair Credit Reporting act Convergent Account # 's : 1 ) XXXX XXXX XXXX XXXX acct # XXXX  XXXX Reported Balance {$420.00} 2 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$220.00} 3 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$2900.00} 4 ) US DEPT OF EDXXXXI Account Number XXXX XXXX Reported Balance {$26000.00} 5 ) US DEPT OF EDXXXXI Account Number XXXX XXXX Reported Balance {$34000.00} 6 ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 7 ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 8 ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 9 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 10 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 11 ) XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 12 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 13 ) XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Reported Balance {$0.00} 14 ) AES/PNC EDUCATION LOAN CENTER Account Number XXXX XXXX Reported Balance {$0.00} 15 ) XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 16 ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$0.00} 17 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$2000.00} 18 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 19 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 20 ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 21 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 22 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 23 ) XXXX XXXX Account Number XXXX XXXX Amount {$1800.00} 24 ) XXXX XXXX Account Number XXXX  XXXX Amount {$3200.00} has violated my rights.

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
Product: Credit card or prepaid card

I checked my balance online and it was about {$50.00} less than I expected. When I finally got through to an agent ( more on that aspect later ), I was notified of a {$49.00} fraudulent charge to my account. The reason I immediately knew the charge was fraudulent is I have never used the card to pay a bill online. Before I could write down the entity from where the charge originated, the agent suggested that my card could be compromised and I should order a new one, which I did. She then said she was transferring my call to the dept. whereas I could dispute the charge. After being on hold for about XXXX min, the exact same woman came back on the line ( I recognized her voice ) pretending that she couldn't hear me and hung up the phone. Now this is what led me to believe the card company itself if involved in systematic fraud : once you order a new card, you can no longer access the network using the number from the old card. You can access your account using your SS number but you only get access to a menu that doesn't include any option that allows you to speak to anyone. So once the crooked agent hung the phone, she cut off all means for me to re-connect with her. Furthermore, I suspect these XXXX are systematically stealing benefits from old XXXX by erecting roadblocks to complaining about suspicious deductions. For example : when you call customer service, you're prompted to enter the last XXXX numbers of your card and your pin but once you do that, all you get is your balance. The only way to access the menu is to NOT follow the prompts ... but they never tell you that. Why? Something doesn't smell right and I think XXXX should look into XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

1 ) Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I am filing a civil suit in my county for damages and you can travel to defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX collection account is due to identity theft and should not be on my credit report
Product: Credit reporting or other personal consumer reports

Hello! I pulled up my Equifax report and I still see the fraudulent hard inquiries that I previously requested to be removed. I submitted the required documents and clearly stated in the cover letter that I never applied or had any transactions with these companies. Please hear me out and help me remove these fraudulent hard inquiries.
Product: Debt collection

EDFINANCIAL Service LLC XXXX XXXX XXXX XXXX {$9000.00} that I never authorized It's been on here since XX/XX/2010 This is not my account please help and remove 15 USC CODE 1692F
Product: Money transfer, virtual currency, or money service

Made 3 electronic payments to paypal account in XXXX. Total ammount XXXX . Money dissapeared. They were not applied to pay pal accounts.. all XXXX I try to talk to customer service. No results. I have copies of electronic transmitters from chase to paypal
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
XXXX Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX CARD - XXXX - XX/XX/XXXX - {$930.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there seemed to be an account with Rushmore mortgage which I never applied for nor did I hold a mortgage with. I signed, notarized and mailed my identity theft affidavit more than 3 times since XXXX. Also, I had filed a case with USPS with the Post Master General regarding theft from my mail box possible he whole apartment complex which I lived at the time. I never received any information, no letters, no certified letters nor statements for the account in question. I also hired several law firms to help correct this and yet XXXX  refuses to remove this from my credit report. I mailed Rushmore and they do not find me in their system with my name and/or information. 
XXXX  has refused to provide me with who, where and when they verified the information. Also, they have failed to provide me with the original documentation which they claim is accurate. Since Rushmore is not able to find my information, they can't provide me with any information, which has been relayed to XXXX and they still refuse to remove. I have spent over {$5000.00} in legal fees and XXXX 's of hours trying to remove this since XXXX I have sent certified letters to both Rushmore and to XXXX. There is no report of this account on XXXX  or XXXX, with my proof they both removed this item, except for XXXX.
Product: Credit reporting or other personal consumer reports

i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a milestonecard and starting using it around XX/XX/XXXX. I setup auto online, on the milestonecardXXXX platform, and clicked the button. 

After we were hit the federal declared disaster in XX/XX/XXXX, I audited my credit cards and found that mielstonecard was charging late fees and interest on this card since XX/XX/XXXX, for an entire year. Around XXXXXXXX XXXX everyone month for a year. 

I called the company and explained their error. The manager only provided two options that did not correct the error and made me pay for the late fees or charge off the account. Then they hung up on me after being on the phone for an hour. 

On top of this, I explained I was never in possession of the card because they failed to send one to my address. 

I believe this card is issued by XXXX XXXX XXXX XXXX, pursuant to license by XXXX XXXX.
Product: Debt collection

I Told them not to call me about this debt with XXXX XXXX. 


I would like to know the status of account and time barrier status. I would a letter on company letterhead regards to this and upload document here.
Product: Vehicle loan or lease

On XX/XX/XXXX we went to XXXX, they ran our credit and provided us a loan option from Exeter finance for XXXX percent. They provided our credit scores of XXXX and XXXX for both of us. we took possession of the vehicle. Approximately 1 day later we had found out the scores exeter used to provide the loan were in accurate. We have scores of XXXX, and XXXX from XXXX and XXXX, and received that information on the same date and time of loan request. We contacted exeter who told us to contact XXXX, who in turn told us it was an Exeter issue. Exeter at this time is not responding and is charging a higher apr then it should based on information.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Student loan

On or about XXXX XXXX XXXX, in support of helping my granddaughter with her loan repayment I spoke with a Navient representatives to arrange a payment structure that would allow me to apply for co-signer release. At that time Navient stated that if I agreed to monthly automatic debts of {$630.00} from XXXX XXXX XXXX - XXXX XX/XX/XXXX, I could apply for co-signer release. No other conditions were revealed to me at the time this arrangement was made. With the financial help of my sister, I honored the agreement. However, when I tried to apply for co-signer release in XXXX, XXXX, Navient then stated additional terms, most notably that my granddaughter would need to pay over {$1000.00} a month for a term of time before I could be considered for release. That amount was and continues to be beyond my granddaughter 's financial capability. Nevertheless, I continued to help my granddaughter with paying on her student loans by sending money directly to her. Around XX/XX/XXXX Navient and my granddaughter hit an impasse regarding the amount of money she could pay each month. Navient then began harassing me. Most of the Navient representatives have been aggressive and hostile ; most especially XXXX XXXX ( # XXXX ) with whom I spoke on XXXX XXXX XXXX. The unrelenting, hostile nature of Navient representatives has resulted in my experiencing physical XXXX XXXX, including the inability to control my XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )
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. 

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  has violated my rights. Or 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.