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

Citizens cant make up their minds. I keep getting contradictory answers. Now they claim XXXX wants the money. Its not XXXX. Everyone who sent money has done so on their own. Their accounts were refunded in XXXX per their request. I want my money now. Citizens sends me a letter that the account is closed. They keep taking monthly fees snd tells me the account is open ( I am being robbed by them ) l. Then Im told to go to a branch and get my money, but the branch cant because there is a hold and the main office wont even return the branches phone calls. The information sent to me by the home office is very incomplete and now its time for them to return to me my money snd stop playing games.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost 31 points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name Central Portfolio Control showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.
Product: Credit card

On XX/XX/XXXX I applied for Chase Freedom credit. For context, I already have a Chase business checking account and 3 other credit cards. The application was flagged for some reason and I called the reconsideration line the next day. The representatives said they would send me a link to upload my identification. I did the same day. My documents that I uploaded was my NYS license and U.S. Government passport. This also did not pass security check. I then called back XX/XX/XXXX and was told I needed to go into the branch and have them verify and send the documents. That same day I went with my documents and the Chase bank representative called and faxed over my identification. On XX/XX/XXXX I followed up and the representative said they received and verified the documents and passed it along to final clearance. To my surprise, I received another letter stating my documents did not clear. Chase has pulled my credit and refused to clear my identification stating they are unable to verify who I am. I have been a Chase customer for a number of years and did what they requested by going into the branch with my NYS and U.S Government Identification. I believe Chase is doing something fraudulent or discriminatory with my application as it is stuck unverified. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many XXXX XXXX XXXX, However I have not lived anywhere out of XXXX XXXX County. As a child I lived with my father in XXXX XXXX XXXX until XXXX years of age when I start living at the XXXX address until present. Couple years ago I went to Vote and they told me I voted already which I did not so I had to vote by paper. Someone must have stolen my identity and because of this I am having a XXXX on my background when it should have been adjudication withheld and not a XXXX. 
I will be filing and identity theft report because someone is using my information without my consent.
Product: Debt collection

A company named XXXX XXXX XXXX called my sister saying that I am involved in a civil lawsuit and that I need to call them immediately. They told her that I owe money that I am going to court and get sued if I do not call back. They said to give them a call at XXXX and tell them case number. I call them back and they say I owe them XXXX $ and if I do not pay it right this second they will increase the amount send me to court and I would pay thousands in litigation and court fees. They claim this amount is owed from XXXX XXXX which closed years ago and I have never ever received a notification from them, this is the first time I had ever heard about this. We call them back and tell them it is illegal to inform a third party of any legal troubles a person might have and that it is illegal to sue or threaten to sue. They keep transferring us to different people and everyone acts dumb saying that they contract other companies to make those phone calls and they ca n't control that. They hung up on us 4 times. They are a debt collector, claiming to be a law firm.
Product: Debt collection

A debt was placed on my credit report damaging my credit score in the amt of {$110.00} when I nvr opened an account on XX/XX/21. I never recd communication regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 fraudulent unauthorized inquiry by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which 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 : NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

TO WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.
Product: Student loan

I was contacted by Fast Track Servicing XX/XX/XXXX and they said they could help me enroll in a Public Service Repayment plan. They promised to reduce my payments to $ XXXXmonth and that I would have 120 payments and my complete student loan would be paid off. From XX/XX/XXXX to XX/XX/XXXX they withdrew payments from my account totaling over {$1000.00}. They must have had some tether with my actual Federal Loan -- because I apparently did not miss a payment ( or their application put me in forbearance? ), but I'm not getting letters from XXXX XXXX that I'm finally enrolled in the PS repayment plan -- and that none of these payments made ( to Fast Track ) went towards my principal. They have no record. So, embarrassingly I was duped -- and have spent over a year paying towards my loan ( but not actually paying anything down and not in the program yet ). The numbers they have provided are no longer working and no one is available when I email. 

Fast Track Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX http : //fasttrackservicing.com ( XXXX ) XXXX
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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Mortgage

1-The morgtage company ( PPH ) is still expoiting me. 
2-They are now United with home insurance company XX/XX/XXXX to charge me extra. 
3-When I bought the property I have to change, find, and buy the home insurance which lasts for two months. 
4-when finally I bought the insurance the insurance company did not summit to the mortgage ( PPH ) company on time as it supposed to do until the next pay cicle or one year. 
5-So the mortgage company charging me a penalty of {$87.00} dollars for that two months until now. 
6-In XXXX I got a letter from PPH stating that I do not have home insurance that I bought from XX/XX/XXXXtwo month after I bought the property. 
7-I called my home insurance company and told them about the issue. 
8-The clerk told me she will call the pph to figure out. 
9-Then she called me back saying that insurance company has not submitted my insurance to pph on time. 
10-she told me I have to pay her {$95.00} dollars to fix it and told me the mortgage company will refund me the extra money they are charging me all the year. 
11-I waited and waited the refund she promised me.Finally I called her to check about the refund she told me from pph. 
12-in the mean time I received a letter from pph stating that there is a deficit in my escrow of $ XXXX. 
13-I called the lady of travelers and told her about the letter. 
14-she seemd has been surprised and told me I was supposed to get refund from pph of one year extra charge they were charging me, instead. 
15-to me or to other sane people feel as a coordinated exploitation of a consumer. 
16-I am just saying no Mortgage and insurance company XX/XX/XXXX.I am not saying not to pay state taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING INQUIRIES FROM MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting act. the list accounts below have violated my federally protected consumer rights to privacy and confidentiality. Account # XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX U.S.C 1681section 602A.Section 1 States I have the right to privacy. 15 U.S.C 1681section 604A Section 2 : It also states a consumer reporting agency can not furnished an account without out my written instruction. 15 U.S.C. 1681c ( @ ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedate more than seven years,
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

XX/XX/2021 {$640.00} loan from XXXX XXXX  via a purchase of electronic equipment at XXXX. I did not approve the loan, I did not sign a document. I did not receive a validation code or a text, I did not receive an email. I reached out to XXXX XXXX and they claim they sent the documentation to an email address I have not used in over 25 years. They claimed I did receive a text but declined receiving. It is absurd. 

My son did purchase equipment from XXXX  on that date, while XXXX years old I gave him permission to use our XXXX card to buy an XXXX. Once learning that XXXX and XXXX used XXXX practice of solicited loans without documentation and utilizing old information with out the credit holders approval, I called XXXX. I did payoff the loan to stop the negative reporting. I asked XXXX for an explanation and after several phone calls and letters/Email, they claim they did nothing wrong, that I did take out the loan by proxy, and even suggested that I should file a police report on my son. WOW.. .until then I did not realize how morally corrupt the bank practices were. Again, I did not approve a loan, I did receive a validation code, Never signed a document, nor received any paperwork, nor any mail for 4 months. 

My credit has 120 day late report from XXXX. I want it removed. XXXX bank is guilty of predatory loan practices. XXXX and XXXX took an opportunity to defraud the consumer utilizing a loan vehicle to sell more product. 

I have not had a late payment in over 20 years on any credit report and maintain excellent credit. The XXXX XXXX predatory practice is wrong and must be called out. I demand the late payment notification be removed from my credit report with Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please repair this account : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance XXXX
Product: Credit reporting or other personal consumer reports

Im sorry, but you will NOT dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO GAVE YOU THE RIGHT TO DETERMINE MATERIAL FACTS? YOU ARE NEITHER A JUDGE NOR A JURY AND HAVE NO SUCH AUTHORITY. The FTC clearly states that if you receive an FTC identity theft report filed with a law enforcement agency ( including the FTC itself ), you are required to comply with the law. 

This is your final chance to process my identity theft claim properly. If you fail to do so, I will pursue legal action, and you WILL BE HELD LIABLE for damaging my name, credit, and for the emotional distress caused by this issue. Rest assured, the MATERIAL FACTS will become VERY CLEAR, and you will be held accountable for your negligence. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, Elan Financial Services has damaged my name, and my credit Elan Financial Services has entered derogatory information into my credit file. I should not be responsible for Elan Financial Services mistake. Elan Financial Services has resource to enable accurate information about the clients inquiring new services. Elan Financial Services allows an account to be placed under my name erroneously. Elan Financial Services should verify all information prior to approving any application 's for services.
Product: Bank account or service

WF is 1 ) arbitrarily " converting '' accounts to ones with higher fee requirements ... 2 ) deceptively using online statements to communicate this unexpected account conversion activity not requiring statement review and ... 3 ) failing to disclose and notify account holders of alternative accounts with similar fee requirements of existing accounts in the same statements regarding account " conversion '' ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX de XXXX XXXX XXXX Dear, XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of my rights under the Fair Credit Report Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing 'sham investigations ' and other unlawful practices. These practices. as outlined by the CFPB, include ; Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reported. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being report :
Product: Credit reporting or other personal consumer reports

I am filing this complaint because there are significant discrepancies in the information reported about my XXXX account ( Account Number : XXXX ) by the XXXX major credit bureaus : TransUnion XXXX XXXX XXXX and XXXX XXXX The Date of Last Activity, Date Opened, Date Closed, Creditor Type, Account Status, Payment Status, Last Payment, Term Length, and Account Type are all reported inconsistently across the bureaus. Despite a prior investigation, the inaccuracies remain, clearly demonstrating that the investigation was inadequate and failed to correct the erroneous information. This ongoing inaccuracy violates my rights under the Fair Credit Reporting Act ( FCRA ), as it results in misleading and inconsistent information on my credit report, which could negatively impact my financial standing.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting my BANK XXXX XXXX account that was opened XX/XX/2016 as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED. XX/XX/XXXXXXXX XXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX has sent documentation to all bureaus. Case Number XXXX
Product: Debt collection

I emailed you saturday, It was cryptic which decrepit DIVERSIFIED CONSULTANTS HEADQUARTERS IN XXXX AND OFFICES IN XXXX. I TOLD THESE XXXX, FROM ( XXXX ) 4 TIMES TO STOP CALLING ME, HARASSING ME WITH THEIR STUCK ON XXXX ( HANG-UP ) AFTER 1 RING. SPOOFING THEIR XXXX NUMBER FOR A PHONY XXXX XXXX COUNTY NUMBER. DO COMPETENT PROFESSIONALS ACT THIS CHILDISH AND XXXX?! # This fraud deceit malice XXXX is paid for by XXXX. I do n't owe XXXX anything. I will never pay these XXXX thieves.
Product: Debt collection

XXXXXXXX XXXX  collection agency is reporting debts on my credit report that are too old to report. They changed the opened dates to recent dates which is not truthful.
Product: Mortgage

Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

synchrony bank keep reporting paid non account as minds how XXXX is j c penny 's to keep giving account if I didn't pay the first they report three account, XXXX they agreed it was fraud see attached letter and the other was paid by letter
Product: Mortgage

XX/XX/2019 I initiate it a HELOC application with the Bank of America I submitted all my paperwork the XX/XX/2019 I initiated a HELOC application with the Bank of america I submitted all my paperwork it would took several weeks the last question that was asked of me was too receive information from my XXXX that I will be receiving payments for the next 3 years when I contact it are XXXX Department they said they could not make such claims and because my XXXX couldn't state that I would be active for the next 3 years I was turned down after,. I feel this question should have been presented weeks ago instead of putting me through the tedious task of XXXX all this information they requested and I think this was out of the blue I've never been asked to give a prediction as to how long I would be receiving my XXXX and all the years that I've been on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following inquiries XXXX XXXX XXXX ( Inquiry on XXXX XXXX XXXX ), XXXX XXXX OF XXXX XXXX XXXX on XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XXXX of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of XXXX : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.