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

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Money transfer, virtual currency, or money service

Please see the attached Rebuttal Letter regarding Ombudsman CFPB. 

Subject : My complaint letter for your attention Email body : To whom it may concern, Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.
Product: Credit reporting or other personal consumer reports

NOTICE OF OPT-OUT I have reached out to both XXXX, XXXX AND EQUIFAX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? 

XXXX, XXXX EQUIFAX are third party data collectors and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt collectorXXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.
Product: Credit card

Subject : Unauthorized Transactions Dispute with Chase Bank To Whom It May Concern, I am writing to file a formal complaint regarding the denial of my unauthorized transactions claim by Chase Bank, which occurred on XX/XX/year>. The claim in question involves trans-actions totaling {$2800.00}, which were made without my authorization and knowledge. 
I became aware of these unauthorized transactions when I logged in my chase credit card app. Upon reviewing the transactions, I immediately contacted Chase Bank 's customer service to report them as fraudulent. I provided detailed information about the transactions, including the dates, amounts, and merchant names involved.

One crucial piece of evidence supporting my claim is that I was not present in Texas, where these transactions purportedly occurred, during the period in question. This fact is substantiated by my Chase checking account records, which clearly indicate my location and the absence of any transactions made in Texas on those dates. 
Despite providing this evidence and reiterating that I did not authorize these transactions, Chase Bank has denied my claim. They assert that the transactions were legitimate based on their internal investigation, without providing me with any substantial evidence to support their decision. 
I am deeply concerned about Chase Bank 's handling of my case and the denial of my rightful claim. These unauthorized transactions have caused significant financial distress and inconvenience to me. As a loyal customer of Chase Bank for 4 years, I have always maintained responsible account management and promptly reported any suspicious activities. 
I am requesting the Consumer Financial Protection Bureau to intervene in this matter and conduct a thorough investigation into Chase Bank 's handling of my unauthorized transactions claim. I believe that the evidence I have provided clearly demonstrates that these transactions were indeed unauthorized and that Chase Bank 's decision to deny my claim is unjustifiable. 
Enclosed with this letter are copies of my bank statements highlighting my location during the disputed transactions period, as well as correspondence with Chase Bank regarding this matter. 
I appreciate your prompt attention to this urgent matter and look forward to your assistance in resolving this dispute with Chase Bank. 
Thank you for your time and consideration. 
Sincerely,
Product: Credit card or prepaid card

I've been with this company since 2017 and have never been late or had an issue. I was consolidating some credit card debt and went to pay it off and they denied the payment. In the meantime, I still had automatic payment set and had switched it to full balance because I thought the other payment went through which it didn't. So I had my bank stop the second payment After I tried to get them to stop it. So then my credit card had a credit on it of XXXX I believe. Then they charged me charge refunded payment fee. And ever since, every payment I've tried to make they've stopped the payment and charged a return payment fee. I've called five times and they just won't budge and reverse any of the charges so I close my card after I paid it off today. I thought I had paid it off a few weeks ago and then I looked at it today and there was {$190.00} again from these fees. I want my {$100.00} XXXX {$29.00} XXXX, {$40.00} XXXX XXXX, {$40.00} XXXX ) back and the interest I paid on these fraudulent fees. Even the final payment I made today shows it was returned and than processed like all the others and they better not charge me another fee. Again I have never had any issues until I paid the balance off. This is RCI Barclay credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied to get a loan because the reporting agency " Experian '' have wrong information on my credit report, when i called them to fix this issue and verify my identity they wanted my to pay first in order to resolve this problem.
Product: Credit reporting or other personal consumer reports

I obtained my credit report from Experian XX/XX/XXXX, and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681 b. I also attached my credit report page containing the hard inquiries from experian that showing that experian is in violation of FCRA.
Product: Payday loan, title loan, or personal loan

I am a XXXX-year-old retired father that was helping my son to get a {$23000.00} debt consolidation loan from US Bank ( co-signing loan ). I was told by bank officer XXXX the loan was declined due to a bankruptcy filing I had done that occurred in XX/XX/XXXX. Bank officer XXXX stated this was in note from loan underwriting officer to her. I went to XXXX XXXX and had no problem having loan approved and co-signing loan for my son. In XX/XX/XXXX I had listed credit card from bank that US Bank bought several years later in bankruptcy filing for about {$2000.00}. I kept my checking and savings accounts with this bank and later with US Bank after filing. In XX/XX/XXXX I asked for {$5000.00} line of credit that would be attached to checking account to avoid overdraft charges. I was manager for national company at the time and did a lot of traveling. Bank Manager stated this request was denied at that time for same reason, XX/XX/XXXX bankruptcy filing. I challenged the decision in a letter to the bank at that time. Letter from US Bank dated XX/XX/XXXX stated they denied loan due to applicant has poor or no previous experience with the credit grantor. Letter also stated my credit score was XXXX. I did have checking account for many years with US Bank till XX/XX/XXXX experience with loan denial.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/2023, Capital One erroneously sent a XXXX payment to a vendor for {$4700.00} and is refusing to return the money that they should not have sent out. After I filed a claim, the claim was subsequently rejected and they never told me. I have spent hours trying to get my money back and they won't give me an explanation to why the error occurred and what to do next.
Product: Credit reporting or other personal consumer reports

I have been unable to access my Experian account for six months due to a two-factor authentication ( 2FA ) issue. I changed my phone number, and I am now unable to receive the 2FA codes required to log in. 


Date : Issue began approximately 4 months ago ( around XX/XX/year> ). 
Action taken by me : Contacted Experian via phone multiple times but could not reach a live agent. 
Explored online help resources and the automated phone system, but neither offered the option to reset 2FA or update my phone number. 
Sent an email to Experian customer support on XX/XX/XXXX & XXXX XXXX explaining the issue and requesting assistance. 
Action taken by the company : No response or action taken by Experian. 
Used these emails : XXXX XXXX XXXX
Product: Credit card

JPMC- Allowed someone ( scammer/thief ) to open a new credit card in my name. Not sure what information they needed to do so. Social Security #? Date of birth, address? 
Noticed that there was a hard inquiry on XXXX XXXX site on XX/XX/XXXX. Looked into it, called Chase. Got card cancelled. Then I froze my credit on all 3 credit bureaus ; XXXX, XXXX and XXXX. I am concerned that my information is out there and what else could happen.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute the presence of a loan / line of credit listed on my credit report, which I believe was issued under predatory lending practices. The loan was originally for {$1700.00}, but the balance has ballooned to {$1800.00} and increasing daily, despite my regular payments of {$110.00} every two weeks since XX/XX/2024 which I have proof of. The excessive rate and repayment terms are in violation of several federal and state laws WHICH WERE NEVER EXPLAINED, including : The Truth in Lending Act ( TILA ), which mandates that lenders disclose clear and accurate loan terms, including the APR and total cost of the loan. The interest rate on this loan appears to be far above the legal limits set by TILA.

The Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair, deceptive, and abusive lending practices. The terms of this loan are predatory and seem designed to trap me in a cycle of debt, which is expressly prohibited under this Act.

The usury laws of [ State ], which limit the interest rate that can be charged on loans. The interest rate on this loan exceeds the maximum allowable rate in [ State ], making it illegal.

The Consumer Financial Protection Bureau ( CFPB ) 's guidelines regarding high-interest loans, which aim to prevent lenders from exploiting borrowers with unaffordable repayment terms. This loan violates those guidelines.

The doctrine of unconscionability, which renders loans with one-sided and excessively harsh terms unenforceable. Given the nature of the loan, I believe that the terms are unconscionable and should be voided. 
Due to these violations, I am requesting that assistance be given to me to help with the termination of the contract.
Product: Payday loan, title loan, or personal loan

Company offers payment extensions. When looking for a payment extension with customer service they have no call center to talk with someone. They ask you to go onto their website and chat with someone about processing the extension. When you do go online to chat the agents never complete your request for extension and they charge you {$7.00} in fees for each late payment. You would think they would have these chat agents complete the task in an ample amount of time but last week and week before I have requested payment extensions and the agents did not complete the task and I was charged multiple fees by Zip and my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and XXXX  days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Equifax credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX  XXXX and Equifax and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to Equifax about this not being me that attempted to establish a line of credit with this company. Equifax has refused to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EXPERIAN WILLINGLY REPORTING THEM IN DIRECT VIOLATION! EXPERIAN has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EXPERIAN conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EXPERIAN UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
Product: Student loan

I was told by Navient customer service on different telephone calls that per my situation, a forbearance was something I could utilize as I wouldn't pay anything during the forebearance. It was not made clear that interest would continue to accrue nor was I provided the amount of interest. On XX/XX/2019 in my telephone conversation with Navient I was told that principle would be paid off as well as interest on my loan of {$78000.00}. When I looked on the Navient website today my total loan amount is {$78000.00}. When I agreed to the current pay-off plan of 8 years I was told the {$680.00} would not only go to interest but to principle as well. This has not been the case.
Product: Credit reporting 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 : Inquiries : XXXXXXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6
11.
Product: Debt collection

I asked yall back in XXXX to remove this account. I have sent the dispute letters and court documents to you and the credit bureaus, from the court of law that States that this is a Error being reported on my credit report regarding, this company Pentagon Federal account # XXXX Im not responsible for this and it has been filed with a bankruptcy and has been dismissed in court and without prejudice.

This account has been removed from the owner 's credit profiles. also needs to be deleted completely now!
Product: Debt collection

I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at PORTFOLIO RECOVERY A. I did not open or authorize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX  because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Other financial service

There was a charge of {$19.00} to my account without my permission or knowledge. I called to dispute it and request they return my money as they unethically did not notify me before the charge and was not even the amounts vof the monthly service that I had previously cancelled. The representative stated that they were " processing fees '' and valid. I requested a supervisor and she refused. I have since had to freeze my account get a new debit card that I had to pay extra {$20.00} for shipping to get my debit card. Not to mention my credit score has dropped by XXXX points since I started using the service.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with to the back office assist team through portal I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. NFCU never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Attached consumer FTC report
Product: Credit reporting or other personal consumer reports

sir/ mam I kindly request your assistance in addressing my XXXX report. It is important to note that we have not taken a loan from XXXX XXXX, and they have inaccurately reported information on my XXXX report. This issue is critically affecting our financial operations, leading to considerable losses and instability in my financial circumstances. 

do the needful.