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

I arrived in the US this XXXX, marking my first time in the country. In XX/XX/XXXX, I attempted to apply for my first US credit card with XXXX, only to be rejected due to an outstanding bill on a credit card reported in my XXXX credit report. This was surprising as I had just arrived in the country and had no prior credit history in the US. 

Upon creating an XXXX account using my personal information and newly issued SSN, I discovered that XXXX had erroneously linked me to an existing account belonging to someone else. This account, which had similar ( but not identical ) personal information, included a credit card from Bank of America with an outstanding bill from XX/XX/XXXX. Notably, this credit card was issued in XXXX, a time when I was not present in the US. 

Despite providing XXXX with comprehensive personal documentation ( including my passport, State ID, Bank Statement, police report, SSN, past two years ' mailing addresses, full name, DoB, XXXX XXXX, and XXXX ), my efforts to dispute this error have been unsuccessful. XXXXXXXX XXXX  reasons for rejecting my dispute include a lack of sufficient proof from my side and Bank of America 's confirmation of the credit card 's validity. First reason that XXXX gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by XXXX, including my passport, State ID, Bank Statement, police report, SSN, past two years 's mailing address, full name and DoB ( even my XXXX XXXX, and XXXX ). Second reason is that they told me that BoA confirmed that that credit card is 'valid ' so they can not remove it from my XXXX credit report. But it does not belong to me. 

Given these circumstances, I believe my situation falls under the purview of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to provide accurate, fair, and private information. Under the FCRA, consumers have the right to dispute and demand correction of any inaccuracies in their credit reports. The Act obligates credit reporting agencies to investigate consumer disputes and correct or delete inaccurate information within a reasonable timeframe. 

Furthermore, if identity theft is a factor, the Identity Theft and Assumption Deterrence Act provides additional protections, making identity theft a federal crime and assigning specific responsibilities to the Federal Trade Commission ( FTC ) to assist victims. 

I am prepared to take legal action under these federal statutes to ensure the correction of my credit report and dissociate my identity from this erroneous account. I seek a complete removal of the incorrect credit record and a formal acknowledgment of this error from XXXX. I also request ongoing credit monitoring services to prevent future inaccuracies and protect my credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXX XXXX XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 XXXX update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.
Product: Checking or savings account

On XX/XX/XXXX I was on vacation in XXXX and my debit and credit card was stolen. I was drugged and robbed. I called my bank to inform them not to authorize the transaction while they were still pending they said they would have to wait to see if they would clear first. They did end up clearing in the amount of about XXXX. As of now they found an error on about XXXX worth of the transactions. The remaining transactions they keep saying no error occurred even thought they happened on the same day within hours of each other.
Product: Payday loan, title loan, or personal loan

For the previous several months, I've received dozens of e-mail and postal mail notifications of "pre-qualification" for a loan from One Mail Financial ("OMF"). After checking (apparently censored) reviews of OMF available at XXXX XXXX (see attached screenshot, XXXX), I opted to apply for the minimum loan offered by OMF, $1500.

I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a "hard inquiry".

I applied and was surprised to be offered a $XXXX "secured" loan in lieu of the $XXXX installment loan I applied for.

I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior (see attached image XXXX). The story is the same each time; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant's data, OMF offers completely different product.

Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

In accordance with the fair debt collection practices act I requested from Chase bank who is reporting on all 3 credit  reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called XXXX XXXX a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to Chase bank that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from Chase bank concerning my request. I received a second letter from XXXX XXXX with a new offer to pay them {$480.00} to settle my debt with Chase Bank. Again I have no knowledge of this company ( XXXX XXXX ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. XXXX XXXX are not reporting on any of the three credit agencies. Also, Chase bank never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties  of Reporting agency. Since Chase is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from Chase.
Product: Money transfer, virtual currency, or money service

Wise was meant to refund me {$15000.00} on XX/XX/2023, yet they deposited {$14000.00} on XX/XX/2023 via a wire transfer from XXXX XXXX. I sent XXXX emails asking for a bank statement reflecting the {$15000.00} deposit. Their response cited a {$50.00} deduction by my bank as a refund fee. However, after confirming with XXXX, they clarified that no fee was charged for receiving the wire transfer. Wise did not prove that they deposited the XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair 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 reports relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not accurate or complete. 

Also, according to 15 USC 1681s-2, a persona hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check attachments below.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX/XXXX I drafted a letter to Experian asking them to investigate my disputes. They replied via email stating they received a recent request regarding my credit information that does not appear to have been sent directly by me or to be authorized by me. The letter specifically states it was sent by me. Experian chose to disregard my letter and the statement clearly specifying the letter came from me. In their letter they stated that " we have not taken any action '' after I requested they investigate and delete these items that are in question, as a result they are in violation of the fair credit reporting act.
Product: Checking or savings account

FEES BEING CHARGED FOR UNLAWFUL FEE NOT LOOKING TO SUE JUST WANT ITEMS REFUNDED EST CHASE -XXXX XXXX -XXXX  XXXX  REPORTING INACCURATE INFOMATION ON BOTHE B/C OF THEIR VIOLATIONS
Product: Credit card or prepaid card

You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. 
Please remove this account immediately and CEASE all reporting to all XXXX credit reporting agencies
Product: Mortgage

I have had a very difficult time with Wells Fargo. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Wells Fargo always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at Wells Fargo.

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and Wells Fargo denied me saying they do not want to help with a modification. I have never been approved for a modification in the past, and my income can support the mortgage payment.
Product: Credit card or prepaid card

Target RedCard/TD Bank continues to incorrectly report 30 day past due payments that are not 30 days past due. Target reported a 30 day past due payment for XXXX when a payment was made on XX/XX/XXXX that satisfied the past due amount. This would have been before 30 days past due. Target also reported a 30 day past due payment for the month of XXXX which I was assured would be corrected by phone representative XXXX when I contacted Target directly on XX/XX/2022, yet never was even when a dispute was filed with credit reporting agencies. I continue to pay the amounts listed on the provided statements from Target but they consistently provide incorrect reports contrary to what is provided on their statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agencies are reporting incorrection information. XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Product: Debt collection

Ive been receiving frequent calls at unusual times. It was kind of hard to understand due to bad reception. Something about $ XXXX is owed, Im confused on the situation and lack of information on the matter.
Product: Student loan

I have had fraud issues with my loan including receiving letters from companies with incorrect loan balances, wrong contact phone number to contact them, wrong address to contact them, and servicer information listed on the national student loan data base listed as banks that are no longer in business. I have also been given addresses of closed banks as my servicer. I was even told that no one knows where my loans currently are held by XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a debt collection notice from BC Services, based in XXXX, CO for a bill that I did not know about or believe that I owed. The letter did not include any notice that I had a right to dispute the debt, or any instructions on how to do so. Luckily, I happened to already know that debt collectors can not charge a bill without providing proof of the debt, and I took action immediately by contacting the company by email and paper mail to request written proof of the debt. I also spoke to a BC Services representative on the phone who told me the company could not provide any information and it was my own responsibility to contact the creditor, the Colorado Department XXXX XXXX directly and figure out what the bill was for- which is not the case. The first " verification '' of debt I received was a simple account statement from the CO XXXX. of XXXX that contained no information about what the bill was for or evidence that I owed the money, which was the specific information I had asked for. Only after writing and emailing four times between XX/XX/XXXX and XX/XX/2022, the last email including a threat of legal action, did I receive a helpful response from BC Services. At that point, my request for proof was finally forwarded by the company to the creditor and I received written documentation of how the debt originated. BC Services did not inform me of my rights from the start, and did not take responsibility for providing real evidence of the debt until threatened with legal action- hardly fair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES XXXX DID NOT AUTHORIZE THEM XXXX
Product: Credit card

I had just relocated to another city to start a new position and wanted to purchase furniture with 0 %. Athough my credit is in the high XXXX 's and I have a long standing relationship with Synchrony Bank, they declined me for an XXXX XXXX XXXX account because of " insufficient credit history on file ''. This is crazy as I have a long history of credit both with them and other institutions. This created a hard inquiry on my account. When I called to inquire ( originally I feared some sort of fraud ) after being transferred at least XXXX times for over XXXX minutes, they chose to resubmit ... it was declined again and now I have a second unfavorable inquiry against my credit score. It is as if they intentionally submitted to harm my credit score because I was not happy. In addition, is n't it incompetence doing the same thing ( resubmitting ) again. It WILL have the same result without human intervention. So I asked to speak to supervisor as now I have XXXX hard inquiries and XXXX declines and when he got on the phone he hung up on me when I told him I could not hear him! In the end, Synchrony Bank is harming people 's credit due to potential incompetence and harmful/rude customer service. There should be regulations against practices that harm consumers.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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