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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit card

I opened the Chase XXXX Unlimited card the week of XX/XX/2024. I attempted to make a purchase on a website and was denied. I reached out to customer service and they requested I try again while on the line. The charges were repeatedly denied. I ran into the same problem over the next week, all with the same response from customer service. Eventually, without notice, Chase closed my account on me due to the card " not being used in intended way '' i.e. there were too many unknown denied transactions. To reiterate, all of the charges made were made by myself, and I not only called up customer service after making the charges, but Chase customer service asked me to retry the payment on multiple occasions, thereby causing the amount of denied transactions to rise. I went to the physical bank location on XX/XX/2024, and explained my situation to a representative and they confirmed that the account was closed in error if I had called to confirm the transactions were my own. She called up the help line and was informed that I had to reapply for the Chase XXXX Unlimited card in order to have access to that card as well as keep the access to the points I had accrued. I applied with the representative and my application was denied. After calling up the Chase central line, they said that the only option was to apply for the Chase XXXX XXXX card instead and transfer over my points. Note that I had not wanted this card but in order to have a credit card to use, be able to keep my Chase account, and that it was the only option left, I gave in. We applied together and called up the application division to ensure that the " closing '' of my account would not affect my credit card application. After confirming that I was a likely instant acceptance given my XXXX credit score, I applied for the card with the representative. The application went into review and was denied the next day due to " an account having been closed by Chase in the past '' -a problem that I was ensured would not happen. Following this, I went through multiple escalations with Chase, talking to people in the XXXX offices as well as multiple divisions and groups that they transferred me to. After multiple rounds, the customer service lines informed me that the decisions were all automated, and although what had happened to me should not have in the first place, there was nothing they could do because each person I spoke to didn't have a manual push through. Ultimately, I ended up with Chase closing my account on me, revoking my credit card and effectively blacklisting me from owning a Chase card in the future, as well as a few credit score hits from the closing and applying to the card they ensured would not get denied.
Product: Debt collection

I have already filed a complaint regarding this debt with this company, filed disputes with the credit bureaus regarding this illegal collection of a debt not owned, and their response did not provide any response specific to my claims! They only provided, essentially the same documents that I provided to you! This should not be acceptable to the CFPB and they should be required to answer the actual claims relative to the fact that XXXX, the lienholder and original hold to this debt, received the " amount of the Creditor 's interest as of the date of the loss, as represented by the portion of the Customer 's unpaid balance according to the original payment schedule of the Financing Contract that is secured by the unearned finance charges ; late charges, ; any delinquent payments '' as per the paragraph 8 of the GAP Addendum to the sales contract for this debt! 

This debt is relative to a vehicle that I purchased from XXXX on XX/XX/XXXX that was financed by XXXX ; the original debt holder/lienholder. This vehicle was stolen from me, totaled, and then as a result, XXXX collected the payoff via the GAP Insurance Policy from XXXX  that I purchased when I financed this vehicle. 
XXXX requested and received the payoff of this debt via XXXX on XX/XX/XXXX as confirmed by XXXX on XX/XX/XXXX by XXXX XXXX, the Manager of Customer Service for XXXX which should verify the absolutely ridiculousness and invalidity of this illegal debt collection even further! Furthermore, XXXX refused to send me proof in writing, as the customer/owner of the GAP Insurance Policy with XXXX, Account # XXXX that XXXX received the payoff. Nonetheless, per Persolve XXXX  's own response, the amount they are attempting to collect does not even match the amount that XXXX claims they are owed! Persolve XXXX is a fraud ; is scamming my credit, and XXXX, the original debt holder is facilitating this scam and CFPB is allowing them to do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Product: Mortgage

When my mortgage payments started my loan was sold XXXX and set up for payments with servicing company Wells Fargo. On setup of my payments I chose to have weekly payments for my mortgage for the benefit of paying off the loan earlier..as much as 7 years early ( knowing this from before ) based on a 30 year fixed loan. 

Soon I found out that I am not receiving full benefits of paying off weekly as servicing company is not applying my weekly payments against the principal immediately, instead they hold on to funds and wait until XXXX of every month and then apply it or waits for the 4th payment ( XXXX of the XXXX mentioned ). Therefore, hundreds of dollars every month in interest I pay extra. In this scenario of weekly payments I only receive XXXX of the XXXX benefits that weekly payments should give. 

Knowing how exactly mortgage works and that mortgage interested is compounded daily basis, this " inconvenience how servicer deals with my payments " is costing me NOT paying off my mortgage extra 2 years earlier and close to $ 50k in extra payments during the life the loan. 

I complained about this to Wells Fargo, but their response was simple as " That 's how we operate '' with no further explanation which leads me to initiate this complaint with CFPB.
Product: Debt or credit management

Greetings from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) EIN & Tax ID : XXXX UBI & Entity ID : XXXX XXXX XXXX XXXX : XXXX FORMATION STATE : Washington State ENTITY TYPE : XXXX FORMATION DATE : XXXX XXXX, XXXX  ENTITY ID : XXXX XXXX XXXX Contact : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX Wa XXXX I, XXXX XXXX ( SSN : XXXX ) firmly clarify that i truly a victim of fraudulent and identity theft while I never used to give any authorization on my behalf to anyone else making any purchase, using my personal data, apply all kinds of loan application. I strongly denied to those fraudulent transactions as XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX  having right to charge or to use my personal informations, my phone numbers, email addresses, my SSN, my EIN, banking accounts, checking, debit and credit cards from all banks especially Bank Of America, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX together all kinds of illegal transactions I strongly deny to those all fraudulent transactions charged from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX on my checking account, debit and credit card of Bank Of America and XXXX XXXX  including all bank accounts at all. I even never used to submit any loan application to auto loan, home loan or even any mobile service company such as XXXX or XXXX XXXX XXXX. I Do Request to Bank Of America and XXXX XXXX  to provide your assistance refund me back full amount of my hard-earned money lost in total {$89000.00} suffered from these fraudulent transactions on my checking account, debit and credit card since early XXXX  till today XX/XX/XXXX. 
Request for assistance to all 3 credit bureau and debt departments to clear off those all fraudulent informations and debts under my name while I confirmed strongly never involving with. I XXXX XXXX XXXX XXXX XXXX XXXX since BOA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and those related companies almost warned me to push all debts into collection and where is my justice? Who can help me from responsible for what I didnt do? Why I turned to suffer hurtfully like this? 

And right now, after my hard trying to inform all banks and all related companies turned to pressure me badly and hurtfully by blocked all my accounts and even small money they took all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has acquired a medical debt that I was not aware of until I pulled my credit report, which such reporting of such debt violates HIPAA law concerning my Protected Healt Information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted Digital Credit Union regarding the charge off credit card for {$5900.00}. I was informed that my account was closed and they will not conduct an investigation to validate my request. When I pulled my XXXX credit report, I noticed that the account is reporting as open. As per the Fair Debt Collection Practices Act, the account with the incorrect status should be removed according to The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Billing Act ( FCBA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Capital One Venture card, when sent the later for denial the reasons are in violation of 15 U.S Code 1691B ( 2 ) " it shall not constitute discrimination for purposes of this sub chapter for a creditor TO MAKE AN INQUIRY OF THE APPLICANTS AGE OR OF WHETHER THE APPLICANTS INCOME ... ..OR OTHER PERTINENT ELEMENT OF CREDIT WORTHINESS AS PROVIDED IN REGULATIONS OF THE BUREAU ; I would like to be granted an account with capital one with a limit of {$5000.00} of my own credit. I the consumer is the original creditor, they used my social security card for a transaction and was denied. 

Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy.

1. This late payment status is irrelevant XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX central time zone I wire transferred {$8500.00} to Coinbase Inc. at the following address and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX United States Account Number : XXXX Routing Number : XXXX Recipient Name : Coinbase, Inc Recipient Address : XXXX XXXX XXXX, # XXXX, XXXX XXXX , CA XXXX Reference Number : XXXX I have emailed them, contacted them by support, and I have now waited 8 days for what they said was going to be a " same day '' transaction. 

Any help will be greatly appreciated. 

XXXX XXXX
Product: Debt collection

Settled account. Was told it would be deleted within 48 hours after payment was received. Was not deleted. Then I was promised a letter of deletion. Still not received.
Product: Student loan

How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of zero? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four accounts with bmw financial. All paid on time. There was a lease end charge on one account and they applied it to another. I even paid again to try to resolve, yet they are reporting my account as being delinquent, resulting in a XXXX point score drop. 

Dates : Acct paid of in full - XX/XX/XXXX Lease end balance paid - XX/XX/XXXX Additional paid advice what I owed XX/XX/XXXX I also told them since the beginning that I am XXXX and had really bad XXXX  when we were first going through this, and maybe they applied it to the wrong account because of my condition. Yet they won't remove the negative report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my EQUIFAX AND XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received an email from Citibank on XX/XX/XXXX that they promised I can get {$700.00} cash bonus if I open a new account and deposit {$50000.00} for keeping XXXX. Since XX/XX/XXXX the XXXX time I called the Citibank to confirm if I can get the cash bonus, they said no problem, I at least called them again and again on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX ( supervisor XXXX ) XXXX. Every time they told me different thing. Yesterday I sent them a letter as they requested but I really feel frustrated to trust them anymore. For ending my half year suffering from the Citibank, please I submit this complaint to your bureau. Appreciate for your time and look forward to your response.
Product: Payday loan, title loan, personal loan, or advance loan

All Payments were withdrawn from my bank account every month and the loan ended XX/XX/XXXX but LoanMe is stating that owe over {$3000.00} and the loan matured on XX/XX/XXXX. 
XX/XX/XXXX I spoke with XXXX in their collections department and she stated that the loan was transfer to them XX/XX/XXXX and Accounting may not have posted all of my payments and she will put a note on my account. 
continued to get calls and I told the reps and I informed them that I need the dates of the missed payments. I have not received these dates so that I can show that the payments were made. 
XX/XX/XXXX I received a call from a collection agency ACH about the LoanMe account
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXXG, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

Misleading information on there platform Affecting my life
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX 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

Transworld Systems reported this 'debt ' to the credit bureaus before getting in contact with me by phone, email or mail. They claim that I owe XXXX a property that I lived at 3 years ago, money even though I moved out in good standing. I have my final account statement from the property management group that managed XXXX during the entirety of my tenancy ( XXXX ). This account statement shows that I owe {$0.00} as of XX/XX/2021, 4 months after my move out date. Transworld Systems did eventually send me their 'proof of debt ', but it is from XXXX XXXX ( the group that currently manages the property but was not managing the property while I lived there ) and it shows that I owe {$400.00}. If you compare this with the final account statement that's attached, you can see that this was not the final account balance, but my balance as of XX/XX/2021. I do not owe XXXX  or this debt collector any money. Transworld Systems must close this account immediately and remove the collection notice from my credit.