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

I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. 

I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

* ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. 

Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : XXXX XXXX. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. 
* XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : XXXX XXXX. Date opened : XX/XX/XXXX. 104 % credit utilization. 
I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. 

I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. 

If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. 

If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent accounts. Please delete these accounts as they are hindering my ability to obtain credit.
Product: Debt collection

I was contacted by Ameritech financial over 2 years ago about having them help me to consolidate my federal student loans and submit the paperwork for loan forgiveness. Since XX/XX/XXXX, I have been making monthly payments to them every single month with the expectation and impression that they would be forwarding the payment to my actual loan service. 

I received a document from the USA Federal Trade Commission stating that the payments I've been making are not being and have not been submitted to my student loan service, and that I should contact them to cancel as well as request a refund. 

I attempted to contact them via customer service phone number and after 3 minutes of being on hold- a busy signal comes on and the call hangs up. I attempted this 5 times. I then called the FTC phone number and per the recording was prompted to contact the CFPV to file a claim since I'm not able to contact Ameritech directly. 

I would like to get my money back so that I am able to make the payment directly to my student loan service, which I thought was being done all along. 

I have made the following payments : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00}
Product: Debt collection

Sequium Asset Solutions LLC is claiming I owe them {$64.00} I made the mistake to provide my SSN to XXXX XXXX from XXXX thinking I could open a credit card processing account for my new online business. Days later, identity theft. 

I dont owe anything and this is fraud This could also be from XXXX. I tried to open an internet account but there was no connection to them in my building and all service had to be cancelled before it even started all equipment was returned. I even called twice to confirm cancellation, but they didnt ask for my SSN.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, i bought a headset from one of the seller on XXXX, she told me she want me to pay her through XXXX XXXX instead of paying through XXXX XXXX because she wanted the money quick so shell have money to ship out the products. Me being stupid and not thinking it through paid her {$50.00} through XXXX XXXX. After i paid her she told me she couldnt ship the product out because the post office is close on sunday so i trusted her, she told me shell send it the next day. I waited and texted her and she told me that she already sent the headphones to me, and told me that it will take 2-5 business days. When i asked for a tracking number, she said she doesnt have one and will go the next day to get it and send the number to me, but she never replied after that, i waited for a week and still didnt get my headphones. I tried requesting my money back through XXXX XXXX but she denied it.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized. XXXX XXXX XXXX XXXX Lendkey/XXXX XXXX XXXX Lendkey/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was " likely '' hacked and stolen while stored by credit reporting company Equifax. I say " likely '' because that is the canned response given to me by Equifax that apparently every person who inquired about whether their information was stolen also received. Not only am I appalled that a credit reporting company stored my personal data in a manner that permitted such a wide-scale hack, but Equifax 's response has been horrid and indicates a total failure to address the core security infrastructure that enabled this hack to occur. Namely : XXXX The company can not tell me or other consumers whether our data has been breached. Thus Equifax has admitted its total lack of knowledge as to whether the company has inappropriately used or released my personal data to third parties. And this lack of certainty prevents me from adequately monitoring and protecting my own credit - a task at which Equifax has utterly failed. 
XXXX The company has established a cumbersome two-step process to file for credit monitoring services, which is time-consuming and appears designed to winnow out customers entitled to assurances that their data is secure. Further, that site 's security certificate was recognized as compromised by my browser, which means that the company still has not taken requisite steps to ensure encrypted communications in the wake of a giant data breach. 
XXXX The company is assigning PINs that accompany credit freezing requests that are not randomly generated, thus compounding the security risks in the existing hack. Based on evidence that these PINs simply provide another easily hackable path to my personal data, I have not sought such protection - protection to which I believe I am entitled as a consumer whose data has been breached - out of concern that doing so actually deepens my ID theft risk. 

In short, Equifax 's business model relies on one thing : keeping data secure. It is clear that its policies have not placed consumer privacy at the forefront of their business model, and that failure has led to the exposure of my and millions of other American 's personal data. Furthermore, their inadequate and technologically-compromised response to the hack demonstrates a continued lack of responsibility for the security failures that led to the hack, and a lack of commitment to protecting consumers ' financial privacy.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.
Product: Debt collection

NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it. This company NCB Management has harassed me about a dent in the amount of { {$1100.00} } I have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them. I have never get a loan or credit card from this company and I don't even know who they are or where they are located. Ive never have/had any contracts with NCB Management .
Product: Credit reporting or other personal consumer reports

I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed 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 : Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

I had an XXXX wireless service that I cancelled due to poor services in my area, I switched wireless provider to XXXX back in XXXX 2015. XXXX was going to pay for all cancellation fees to XXXX XXXX XXXX since I was porting out my number to the new carrier. Then, I started receiving collection attempts from XXXX XXXX XXXX in the amount of {$810.00} for cancellation fees, which XXXX notified that they paid for. My account was forwarded to this collection agency Franklin Collection Service , INC . They have n't stopped sending me threatening mail communication letter, and they 're not even licensed to collect in the state of Oklahoma. They need to remove this account from my credit reports since these charges were paid by XXXX, and they are still trying to collect on this account, and also ignoring my letters to cease and desist any communication.
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the unexplained closure of my XXXX business checking accounts with Bank of America on XX/XX/2023. As of now, it has been two months since the closure, and I am yet to receive any concrete information or release of my funds. 

The total balance in both of my accounts amounts to approximately {$250000.00}. I have exercised considerable patience, expecting a prompt and transparent process for the release of my funds. However, the lack of information and extended delays in resolving this matter have left me in a state of distress. 

Each time I have reached out to Bank of America customer service for an update on the status of my check, I have been informed that my case is under an unknown investigation. Regrettably, there seems to be no specific timeframe provided for the completion of this unknown investigation. The uncertainty surrounding when my funds will be released, coupled with the suggestion that it may take months or even years, is deeply troubling. 

I would like to emphasize that I have maintained accounts with other financial institutions concurrently, and I have never encountered such a situation before. The lack of transparency and urgency in addressing this matter has severely impacted my confidence in Bank of America 's commitment to its customers. 

I am reaching out to request immediate and transparent communication regarding the status of the investigation into my closed accounts and the subsequent release of my funds. I believe that a resolution to this matter should not be subjected to an indefinite timeline, and as a valued customer, I expect a more proactive approach to address my concerns. 

I kindly request that Bank of America expedites the investigation process, provide a clear timeline for resolution, and ensure the prompt release of my funds, as the continued delay is causing significant financial strain and distress to my business and me personally. 

I appreciate CFPB 's prompt attention to this urgent matter and look forward to a swift and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were opened or made fraudulently in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their removal. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Chase Freedom card was advertised to give {$150.00} cash back after 3 months of a total of {$500.00} spent. I clicked on the promotion that was online and that page took me to a application form which I filled out for the card XX/XX/2019. Discussion of this promotion is still active on the web by 3rd party credit card reviewers, so I know it's legitimate. 

I called Chase customer service today XX/XX/2019 to ask when I should be receiving my {$150.00} sign up bonus since it's been 4 months and I met all their requirements listed on the web site. I was told by a customer service rep. they had eliminated the sign up bonus sometime in XX/XX/XXXX/XX/XX/2019 and that my card didn't qualify since I had missed the cut off. I was not informed of an offer expiration date or cut off during my account application nor the promotional web site. 

My complaint is their misleading and fraudulent use of " old '' promotional web pages to rake applicants in, just to claim later that the promotion had been eliminated a month before. Since I can not access the original web site anymore ( unless I knew it was already going to be fraudulent ) I do not have any hard proof or screen shot. 

This is the classic bait and switch advertising that is skillfully used to reign in unaware customers, since the company can blame " the internet '' or " cookies '' or " the browser '' of not being up to date. 

I would not give Chase any credit card business and have discontinued doing business with them.
Product: Student loan

In XX/XX/XXXX, I received an email from MOHELA regarding my student loans and a forbearance that was placed in the fall of XXXX for all loan holders. It appeared as though a payment had been processed from my bank account to my student loan account despite that forbearance supposed to have been in place. XXXX reported they were required to offer a refund to the original pay source or to use that fund as a credit towards a future payment and that the customer needed you either write a request and send it in or call and request their preference. I did write a request and fax it electronically and receive confirmation back, and then about a week or two later, I received a letter in the mail from MOHELA indicating they had received my fax, but were now also requiring me to call in in addition to my fax to have the conversation to initiate the refund. I did call and I made the verbal request in XXXX at which time they said they prompted the refund process which would take up to XXXX days. And the month of XX/XX/XXXX a new forbearance was placed on all MOHELA accounts due to the circuit courts placing a stay on the save plan. And I had made a payment in the month of XXXX and wanted to get a refund of that as well so I called in to request a refund on that On XX/XX/XXXX or XX/XX/XXXX of XXXX. At that time, I did go ahead and request an update on the previous refund request mentioned above, and was told that due to a MOHELA system platform update. All request for refunds had been wiped out and despite them not notifying any of the customers that request would have to happen again, the fall XXXX refund request. This was obviously annoying, but I made the request again for the previous payment of XXXX and something dollars from the end of XXXX in addition to the new request for the $ XXXX XX/XX/XXXX. Phone call with XXXX fast-forward to the middle of XXXX and I went ahead and called back to double check on the status of both of these request and was told that it would take up to XXXX days business days to be refunded. I reminded the new customer service member XXXX that XXXX had told me to take XXXX to XXXX days and so she reached out to her supervisor who reconfirmed to her. It would be no less than XXXX business days, but within XXXX business days before either of these refunds could occur. I did confirm with XXXX that she could see the initial fact I had sent in back at the end of XXXX early XX/XX/XXXX regarding the fall XXXX overpayment and the phone call in regarding that same request at MOHELA letter, I received in the mail request to call anyways, despite receiving my fax, and she could see the call with XXXX, but still, they were not honoring any of those requests for my refunds
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute to Equifax for them to remove an account they are continuously reporting and updating. This account is completely inaccurate and should be removed immediately. My most recent dispute on this account ended with Equifax certifying and updating an account that was included in a bankruptcy as a charge off account. I knew something was horribly wrong when this action dropped my Equifax score by nearly 30 points. Equifax is the most irresponsible credit reporting agency of them all. They plaster your report with adverse inaccurate information and refuse to remove it. The account I am referring to now is XXXX XXXX. This account was included in a Chapter XXXX Bankruptcy, but somehow Equifax has verified and updated this account to the status of XXXX XXXX. I will include supporting information and documentation. The only acceptable solution is for Equifax to delete this account, which they have verified as XXXX percent accurate and complete with the new update after my recent dispute. This account should be deleted immediately. I have included evidence from one of the better credit reporting agencies and how they abide by the rules, it also shows evidence that the XXXX account was NEVER a CHARGE OFF. Equifax must not update this account, it must be deleted per the FCRA.