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

~ XX/XX/2022, Chase bank closed my checking account, due to what they said was inactivity ( I was logging into online banking once a month ). I reside in XXXX. 

When contacted, the bank indicated the account was being closed and the remaining balance would be mailed by check to me. I received a letter from the bank indicating the account was closing, however ; did not receive a check. Chase indicated a check was produced and therefore, a stop check declaration was required. I completed this form and both faxed it twice and mailed the original. I have confirmation from the mail service that it was received and signed for. Chase claim they have not received the declaration. 

On several occasions over the 6 months, customer service tell me they will run a new check and to call back in 3-5 business days. When I do, the check has not been processed and I'm told I need to provide a stop payment declaration. This process goes around and around.
Product: Student loan

XX/XX/2021 I mailed the application to the Fed Loan Servicing address for {$5000.00} forgiveness for teaching in a low income school for five years. The envelope was returned in the mail with a sticker applied by the USPS - not deliverable / unable to forward. 

I uploaded the application digitally and XX/XX/2021 received an email saying my application was denied. My letter was in my fedloan.org paperless inbox. 

Fedloan.org is not a functional site anymore, and the reason for the denial has not been explained.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

My money as available to me. My girlfriend sent me money and I didn't get it.
Product: Credit reporting or other personal consumer reports

I am a victime of ID Theft and I contacted Transunion mulitple times to remove this fraud inquiries.

I provided Transunion a police report listing tne inquiries as well as a FTC ID Theft Report. Transunion referred me to the companies who submitted. But according to XXXX  Credit Reporting Act, when I customer reports ID THEFT on information on their credit report and they provide police report and FTC ID THEFT that information is required to be blocked. 

FRAUD INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have a fraud alert on my credit report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agency has not removed the TWO unauthorized inquiries from my credit report FROM XXXX XXXX!!!!
Product: Debt collection

On XX/XX/27 I received a phone call from XXXX. I called back approximately XXXX hours later. I was initially greeted by an automated voice message system that alerted me that the phone call was regarding an attempt to collect on debt. I was then connected to an operator who gave me the name of the person who allegedly owes the debt prior to confirming whether or not I was that person ( I was not ). When asked if that individual owes a debt, the operator refused to confirm/deny but mentioned that whatever the automated voice message system stated was correct.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a balance of {$220000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im filing a complaint on XXXX XXXX. in XXXX when I purchased a vehicle I pacifically told them in XXXX that I would like to return it for something cheaper they would not return the vehicle at the dealership place so I contacted XXXX XXXX and told them that they would not take the vehicle. They told me I had an option in the 30 day mark so Ive tried multiple places XXXX XXXX XXXX XXXX XXXX all of them said that I could not trade it in because theyve added more money on the car than what it was worth. They did not give me a XXXX when purchasing the vehicle. I have the XXXX now its been in the auction 3 times been re-Poed 3 times before me. They did not tell you all that the truck was only worth XXXX. I didnt know the numbers was flipped until I looked on the flash drive. The vehicle was XXXX after it finance was XXXX and somehow it went through XXXX XXXX to XXXX that doesnt make any sense. Im Wanting this disputed it. If you look on my credit report, they charged it off and closed that account more than XXXX times and then reopened it on XXXX XXXX.
Product: Debt collection

CB/VICSCRT Account Number : XXXX {$340.00} Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}
Product: Credit card

I am very upset I had a dispute with FNBO and their agreement said all disputes need to be handled through arbitration now theyve failed to respond to arbitration and not only are the in Breach of contract but it seems the arbitration court says they will not be hearing any case for First National Bank of Omaha ( Which indicates that the bank is in breach of contract with each and every customer they have.
Product: Credit card or prepaid card

I applied for Victoria Secrets card and made purchases and received products I have yet to receive card. I have made a payment but have not received the card.
Product: Credit reporting or other personal consumer reports

Ive discovered mistakes on my credit report regarding 15 USC 1681c-2. The inquiries mentioned were not authorized by me and are negatively impacting my credit score. Kindly remove these unauthorized hard inquiries. Thank you.
Product: Checking or savings account

On XX/XX/2023, Chase notified me that they made a decision to close my account without any explanation. Chase is holding over {$29000.00} in my accounts and will not release them for 10 days after my account is closed. I told Chase that I urgently needed my funds because I have bills to pay such as energy, lights, and credit card. Chase will not release even a partial payout to me to pay my bills. Checking accounts XXXX and XXXX. Chase said that a cashiers check would be issued in a few weeks.
Product: Credit reporting or other personal consumer reports

I sent LexisNexis certified mail on XX/XX/2024 to dispute a bankruptcy showing on my consumer file. I included proof from PACER and the United States Bankruptcy Court stating that they do not report to credit reporting agencies but LexisNexis is showing that's where they received their information. This information is unverifiable and should be removed immediately. The tracking number for this is XXXX XXXX XXXX XXXX XXXX XXXX - it shows that LexisNexis picked my letter up on XX/XX/2024. Today, on XX/XX/2024, I called LexisNexis Consumer Center. The representative, named " XXXX, '' advised that it's still showing on my file and there's no indication it was ever investigated. The representative states that he's able to do a dispute on his end and will expedite it. This has left me completely frustrated that I have spent money to ensure LexisNexis received my dispute, and it was completely mishandled and neglected- now I have to wait another 30 days for this dispute to be resolved when it should have been corrected the first time. Please see attached for the proof of letter sent via certified mail.
Product: Vehicle loan or lease

In the 2 1/2 years I have had my XXXXXXXX XXXX XXXX I've been consistence in my payment until recently. Due to financial hardship I requested a reduction in my payments only temporarily so, I can be able to make comfortable payments withouth the worry of repossession but they denied my request. I requested the reduction of my payments due to the fact my hours was back to part-time which meant a reduction in my pay which intel stress on me financially and mentally. And with that denial and no options from the financial company they've repossesed the vehicle and ensured a negative impact on my credit and no transportation to and from work and the responsbility of balance of the car loan of a car I no longer can access which I am struggling to figure it out financially, STILL. 

Thank you Sincerely : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

Yesterday, I pulled my 3 bureau credit report and discovered that I was a victim of ID Theft. I just obtained my ID Theft Police Report from my local police department. 
Below are the fraudulent collection accounts that I am disputing to XXXX permanently deleted from my 3 bureau credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit through XXXX XXXX and noticed a drop of over 50 points. I was looking to see what caused this and noticed that Discover Financial did a hard inquiry yesterdayXX/XX/XXXX without my consent. I have a credit card, a personal loan, and a student loan with them, but I pay them automatically so I have no late payments and the credit card is actually at {$0.00} balance. I am not sure if this was a mistake on their part, but I also don't know which part of the 3 Discover could have done it ( I have to log in to 3 different websites so I think they are all somewhat independent ). Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. BANK XXXX XXXX XXXX. XXXX XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent in certified letters demanding removal of addresses that I never resided at and is incorrect and inaccurate. The information still remains on my consumer report. Per Federal Law Title 15 USC 1679c - The law states ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 



XX/XX/XXXX I spoke with XXXX in the fraud department and informed her that the inquiries listed below is inaccurate and being reported without my consent and invasion of privacy. I demand all inaccurate information to be removed immediately or else legal action will be sanctioned. 

XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a Brokerage+ Checking account with XXXX XXXX as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, XXXX and XXXX which was not accurate because the balance was paid and applied to XXXX XXXX XXXX. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Trans Union of the hard inquiries on my credit report that needed to be removed due to identity theft. Trans Union have been contacted regarding this multiple times and are not cooperating.
Product: Mortgage

I paid off my Nationstar Mortgage " in full '' on XXXX XXXX, 2016, as I am closing on my home. I have made it very clear to Nationstar, I DO NOT need the lean to be recorded as I have been advised by my attorney the XXXX will record at closing. I have been reaching out to Nationstar for the past two weeks requesting the necessary document " ORIGINAL SATISFACTION OF MORTGAGE '' ( release of lean ), so I may close on my home. My buyer has already sold his home and his commitment is due to expire. I continue to get the run-around with Nationstar who is sending me letters stating it takes 30 to 60 days " PREPARE '' the Release of Lien ''. " Once the document is PREPARED, it is sent to the appropriate county for recording. 
I would be very grateful for any help you may be able to provide. I though I was being responsible by paying off my mortgage but instead I feel I am being penalized. I must close on my home ASAP so I do not lose my buyer, but I told I can not close without the " ORIGINAL SATISFACTION OF MORTGAGE. I know this can be expedited as I received the Original Satisfaction of Mortgage within two business day. As of Friday, XXXX XXXX, it was confirmed nationstar had not even started working on my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.