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

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file 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
Product: Debt collection

XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which 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 OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} 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  OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you
Product: Credit card

I reached out to a number of Goldman Sachs staff including the CEO 's office and no remedy to properly adjust my interest rate on both cards to at least 6 %. I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly. My issue is simple, I am a XXXX XXXXXXXX on XXXX XXXX. I have been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case for my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax about inquiries made on my account. I explained to them that I in the military and I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way that I was able to make credit inquires on my account : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX
Product: Mortgage

I'm simply trying to contact PrimeLending through the site they have assigned us which is https :  //primelending.loanadministration.com/Login There's NO CONTACT US number , email, form, or chat once logged into the site. I see no phone number ANYWHERE for customer service, and I have questions about my payoff. I have to provide this information to refinance, and I find this to be PrimeLending 's way of preventing people from calling about their payoff so they can go somewhere else. I feel captive by this company and want to get out of it. I have no idea who to contact, no information of the previous loan officer, and if I WAS going to be late on my payment or have issues with Covid, I have NO IDEA how I would get a hold of either a live person or even a form to fill out to contact them or receive contact from them. I'm at a loss, and they need to fix this. I believe they HAVE to clearly have a location where clients can feel that they have FAQ 's or ways of contacting. At the minimum there should be a place on their site for me to easily order a payoff like you can on XXXX or XXXX. For a company as large as them, I feel this is by intention, not by accident and I feel this is aproblem that needs addressed right away. 

I can't even get my full account # on the site, because it doesn't show it anywhere on the site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : Account Number : 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 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A 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 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have several credit cards and XXXX setup each payment ( bill pay through my bank ) to be received on the exact date the payment is due. This works for all but my GM Rewards Card by Marcus Goldan Sachs. For that card I have my bank send them a check XXXX day earlier, so XX/XX/XXXX when the payment is due by XX/XX/XXXX. That is because the GM credit card will issue a late fee/interest fee if the payment is received on the day it was due. The late fee/interest fee are then reversed automatically. But Ive had to also call to make sure it was reversed. So a waste of my time. Why are they this? I believe they are pressuring consumers to send their payment in a day or two earlier, thus having MILLONS or maybe BILLIONS of dollars on hand one or two days earlier, which is a HUGE bonus for them. 

My most recent payment was due XX/XX/XXXX, so I had my bank send them a check on XX/XX/XXXX. Yet I received a letter saying I missed a payment. So I called and sure enough the payment was recevied XX/XX/XXXX and the fees were automatically reversed. So now even one day early is not enough? 

Is that a fair practice? I would think not? 

Please let me know your thoughts. 

Thank you- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am demanding that your credit reporting agency DELETE information regarding the ( 7 ) listed accounts below immediately because your agency PUBLISHED/FURNISHED these accounts on my credit report without my PERMISSION!! 
I want to be very CLEAR and CONSPICUOUS! 
I am stating that TRANS UNION is in violation of FEDERAL LAW for violating my PRIVACY RIGHTS when the accounts were furnished on my credit report by TRANS UNION because I did not give any form of PERMISSION, CONSENT or any type of any written instructions to this credit reporting agency. 
The LAW clearly states FCRA 602 that I have a right to PRIVACY. FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions, therefore I want the ( 7 ) accounts listed below DELETED because Trans Union Published this information without my PERMISSION! 
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 
I will sware in a court of law that I am filing this complaint /dispute on my own accord with ABSOLUTELY NO third party involved. 
If these items are not removed at some point I will seek legal representation in order to defend my federally protected rights as a consumer.
Product: Credit card

This has been a 3 month issue and after three attempts to to resolve the issue in the most conservative manner possible I am not sure what else to do. I have been repeatedly told contradicting information by American Express, the individuals I have spoken with over the phone and online continually misrepresent what I need to do to get the issue resolved, they refuse to escalate the issue and find out why I am continually getting the run around. They state each time I inquire that they will reach out to me if there is any need for clarification and when they resolve the issue they will call or email me. I have never been contacted via email or phone and my attempts for clarification are met with indifference. The best they have done is to send me vague letters saying they side with the repair shop. 

XX/XX/XXXX I payed for auto repairs with my American Express card. The company that I had do the work damaged my car making it unsafe to drive ( randomly stalls, suspension improperly installed causes altered handling, and the exhaust was not installed correctly and has a loud exhaust leak ) and did not return my car on time so I filed a complaint with American Express to pull back the funds. They said that I need to provide documentation from a third party mechanic showing that the work was not done correctly and then they would pull the funds back. I took my car to a third party mechanic who validated all of the claims I made and I sent them a pdf copy of the result. The mechanic even states on the document to call him if there are any questions. American Express said that there claims department reviewed the issue and sided the with car repair shop because I did not give them documentation. Because of a failed first attempt I resubmitted the claim and this time when I asked about the the documentation I submitted they were unaware I had submitted the documents, so I again submitted the information. Again they resolved the case and said there was not evidence that there had been an issue with my car. On the third attempt I sent them photographic evidence ( the images have dated time stamps ) in addition to the letter from my mechanic and again they state they do not have evidence of an issue with my car. 

Because I have patiently followed their instructions three times providing the exact documentation they ask for yet they will not follow through on what they say they will do I am writing to make a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with CHECKSYSTEMS for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. RN IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ******** All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 reporting or other personal consumer reports

I had an account put into my name as a result of identity theft and I did report. The reporting on credit bureau and any in future needs to be deleted and blocked internally accordingly. 

The account is with XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX
Product: Credit card

On my report there are XXXX chase auto loan inquiries from same chase bank they ran the same credit check twice both were not suppose to be ran because I was approved for a loan and the car dealer ran my credit on accident not understanding I was already pre approved. I am asking for them to be removed because I never gave permission to have my credit ran or tried to attempt to get a loan from this bank. This was not my wrong in doing it was a miss communication with dealer that thought I needed a loan but i already had one through my credit union.
Product: Student loan

I have two loans that were taken out through XXXX XXXX XXXX. I have several issues with this company. The original amounts of the loans were at XXXX, XXXX it was agreed upon that there was no interest and there now has been interest added. They have a debt collection agency sending notices and threating not only me but my ex husband who through a divorce and a court order was filed no longer liable for the student loans. They are asking for much more than what was taken out on the loan. They are threating to garnish wages and when asked for them to show the proper documents that they own the debt they stated they do not have it. This company has been sued for not being able to show that they have ownership of this loan. I have requested ownership be provided that they own the debt and it has not been provided. I don't feel its fair for this company to request money and threaten me and my ex husband who is no longer liable for the debt to raise the amounts and to collect on and to not show proof they own the debt.
Product: Credit reporting

Checked my credit report with experian and there is a previously deleted account reporting back on my credit report. XXXX XXXX was deleted over 3 months ago. As of XX/XX/2017 the account is showing as a negative item.
Product: Bank account or service

I 'm trying to close my late brother 's checking account at TCF Bank. I am the executor of his estate. I sent a letter requesting the closure with instructions for payment, along with original embossed seal copies of the death certificate and letters testamentary from the court. I 've called twice after sending the letter, and have been told they 'll contact me, but nothing. It 's been a month, which seems like more than enough time for this. They have my street address, email address, and phone number, and have n't reached out to me once with an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XX/XX/2017 XXXX from XXXX XXXX about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can XXXX XXXX   cancel the debt and still say that balance is valid?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent accounts
Product: Checking or savings account

Mailed check was stolen and cashed fraudulently by an unauthorized, unknown entity. Filed claim with my bank, Chase, but they refuse to refund the money. Timeline follows : XX/XX/23 Mailed check # XXXX for {$970.00} to XXXX XXXX in XXXX XXXX, MI. 
XX/XX/23 XXXXXXXX XXXX in XXXX cashed check without endorsement and stamped " ABS OF ENDORSE GUAR. '' XX/XX/23 XXXX XXXX notified me via email that he hadn't received my check. 
XX/XX/23 Called Chase and was told I need to file a claim. 
XX/XX/23 Sent funds ( {$970.00} ) to XXXX XXXX via XXXX per Chase 's suggestion. 
XX/XX/23 Went to Chase branch in XXXX, OH and they helped me prepare paperwork to file claim with Chase. 
XX/XX/23 Account credited for {$970.00} stating reimbursement for claim. 
XX/XX/23 Closed original account with Chase ( XXXX ) due to fraud and opened new account ( XXXX ) per their letter. 
XX/XX/23 Transaction appeared on my account debiting for {$970.00}. 
XX/XX/23 Met with XXXX XXXX at XXXX, OH Chase branch. He called fraud department at Chase, and they stated XXXX denied the claim and check was returned. 

Bottom line is that I am out {$970.00} due to Chase paying the original check and not recovering the funds from XXXXXXXX XXXX, who accepted it.