23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Truist bank. They appear to be completely unavailable to contact via email or messaging on their site, and to call during business hours ALWAYS results in at least a 30 minute wait. ( Usually much longer. ) I have received a sickening amount of junk mail since the transfer of this loan, and wish to opt out of having my personal information shared. I never consented to have my information shared in the first place, in fact had submitted in writing to my former mortgage company that I did not want this info shared, so I feel that information should have transferred to the new company. 

I am submitting a complaint about the info sharing and the complete lack of availability of customer service to attempt to rectify an issue. I feel like a customer service email should suffice for this request ; it shouldn't be necessary for me to wait on hold for 30-60 minutes to speak to someone just to ask for them to stop sharing my private information that I never gave them permission to share in the first place. I'm extremely unhappy that my mortgage was transferred to a company with this low level of concern for my privacy and ability to contact them, and frustrated that there is apparently absolutely nothing I can do about it.
Product: Debt collection

I.C. System, INC. has used illegal and immoral practices to attempt to collect questionable debt from me. I.C System has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to I. C System. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 1
5 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Checking or savings account

I have been a loyal Chase customer since XXXX, holding three credit cards with a flawless payment history, responsible usage, and a low utilization ratio. On XX/XX/XXXX, I opened three additional accountsa personal checking, personal savings, and a business checking account ( sole proprietorship ) using my existing Chase login credentials. After successfully opening these accounts and funding them through XXXX, I received notifications that my accounts had been locked for suspected fraud, and I was instructed to visit a branch with two forms of ID. 

On XX/XX/XXXX, I complied with Chase 's request, visited a local branch while traveling in XXXX PA, and provided all necessary identification to verify my identity. Despite this, my accounts were restricted again within a few hours. When I contacted Chase for clarification, I was told that my accounts had been permanently closed and that Chase would not permit me to open any future deposit accounts. The representatives offered no specific reason for this decision, only citing the banks right to close accounts at their discretion per the Deposit Account Agreement. Furthermore, they refused to provide any details or evidence to substantiate their claim of fraud. 

The closure was attributed to suspected fraud, but I have not engaged in any fraudulent activity. I am concerned that the decision was based on system errors or false positives from automated risk assessments. I applied for and used XXXX to fund the new accounts while traveling in XXXX, PA, and I also changed my online usernames and data-sharing settings for easier management, but these are not actions related to fraud. Despite providing all necessary documentation and verifying my identity in person in a branch, Chase has refused to offer any detailed explanation or evidence to support their claim. 

I find this response unacceptable. While Chase may have the right to close accounts under the Deposit Account Agreement, that does not absolve them from the responsibility to act fairly and transparently. Accusations of fraud without any explanation or supporting evidence, especially against a long-standing and loyal customer, are both unreasonable and damaging. I believe this closure was the result of either an error in their automated risk assessment system or a gross misuse of discretion by their review team. My account activities were legitimate, and I provided full documentation to verify my identity, yet Chase has still failed to justify their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. 

DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. 

XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. 

XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against American Express regarding their failure to respond to a billing error, I reported on my Credit Card billing statement ( s ) on Account Ending XXXX and Account Ending XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statements for the certificate of indebtedness on Account Ending XXXX and Account Ending XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to American Express on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what American Express has done is closed both Ending XXXX and Account Ending XXXX continued to report negatively on my account. American Express to this day removes money from my accounts. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves American Express unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to American Express Trust Indenture Agreement XXXX I will be contacting the XXXX XXXX XXXX XXXX XXXX XXXXXXXX who is American Express Trustee and inquiring about my closed accounts. I will also file an FTC faud compliant against American Express as well as reporting American Express to the SEC for Securities Fraud. I kindly request the CFPB to investigate this matter and ensure that American Express complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect my consumers information and hold American Express accountable for their failure to address my legitimate concern.
Product: Debt collection

XX/XX/XXXX I received a letter from I.C. Systems regarding an account with XXXX. I did not open an account. On this date, I spoke with XXXX XXXX and XXXX with I.C. Systems regarding account # XXXX and I.C. Systems ( I.C. reference # : XXXX, phone # : XXXX ) did share it was services for location at XXXX XXXX XXXX in XXXX XXXX, NV between XXXX, XXXX to XXXX, XXXX. I do not live in XXXX XXXX, NV nor do I have any family members that live there. We indicated to XXXX that this fraudulent and not my account. She then indicated to go onto XXXX and submit fraudulent submission, which I did. The amount due on the account that was opened is {$760.00}. I also filed a police report with my local police department and filed with FBI 's website. Today, XX/XX/XXXX, I am filing this report with the FTC. I.C. Systems continues to report the collection item as a new account and it having a negative effect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting ....

Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XX/XX/2019. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed with no resolve. Comenity Bank XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives monetary compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to Privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a Consumer Reporting Agency can not furnish a account without my written instructions XXXX XXXX XXXX Date Opened XX/XX/2022 Amount owed {$6000.00}. 
Account # XXXX I have called them and tried telling them this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the following accounts completely from my Credit Report : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last XXXX  days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to freeze my credit with Experian. The email and phone number they have for me is not correct, so I can't verify my identity. The website keeps directing me to call ( XXXX ) XXXX, saying " An Experian representative can verify your identity by phone, then process your freeze. '' Calling this number, it is impossible to speak to a representative. I have tried a dozen times. The automated system keeps directing me back to the website, which is completely unhelpful. They have created a system to prevent me from being able to actually freeze my credit or access my credit information, which is against the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of certain hard inquiries listed on my credit report. After a thorough review of my credit report, I have identified XXXX inquiries that I did not authorize nor have any recollection of initating any transaction or applying for credit with the respective creditors. These inquiries have already been deleted by XXXX, and I am prepared to pursue legal action if your credit bureau fails to take similar action promptly. 

Below are the details of the disputed inquiries : XXXX. Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I wish to emphasize that I did not provide authorization for these companies to access my credit report, and I have no record of engaging in any transactions or credit applications with them. Consequently, I am concerned about the accuracy and legitimacy of these inquiries. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that your agency conducts a thorough investigation into these disputed inquiries. This investigation should include verification of the legitimacy of the inquiries with the respective creditors involved. I understand that under the FCRA, you are obligated to complete this investigation within a reasonable timeframe. 

Furthermore, I request that you provide me with verifiable proof of your findigs and actions taken upon completion of the investigation. Should it be determined that the disputed inquiries can not be verified or are found to be inaccurate, I insist that they be promptly removed from my credit report. 

I would like to remind you of the FCRA 's requirement for consumer reporting agncies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Please acknowledge receipt of this dispute letter and inform me of the timeline for conducting the investigation and resolving the matter. I am prepared to cooperate fully with your investigation and provide any additional information or documentation necessary to facilitate a speedy resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution.
Product: Debt collection

Credit Collection XXXX has listed false, misleading reporting on my credit report. I have no contractual obligation with this company. I have never paid this company. Yet they insist on reporting negative information that is in violation of the FCRA, FDCPA, and defamation of my character. I intend to sue for false reporting.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to purchase a specific XXXX Travel trailer  model XXXX. I used the suggested dealers bank to apply for a loan that was approved for the financed amount. On this day, I signed the purchase and loan agreement and took the travel trailer home. Come to find out, the travel trailer is a XXXX. I specifically wanted a XXXX or older due to the manufacturing and quality issued that were resulted form XXXX. The Bank funded the dealer for a travel trailer that I didn't sign for. I signed for a XXXX model and receive a XXXX. I tried to return the travel trailer and the dealer will not accept it and as a result, I will also file a complaint with the Federal Trade Commission. In the mean time, I have a loan under my name that I did not sign a loan for. I contacted the bank to advise them that they funded a loan without having a legal documented agreement and they said there's nothing we can do. I have tried to resolve an issue that the bank has created by not verifying the asset 's manufacture date and I have exhausted my avenues. I need the governments help with this case. I will attached the purchase and loan agreement as well as my communication with the dealer and bank that also mentions that this travel trailer is not functional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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 information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and W9 for Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised and used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My husband and I have XXXX separate checking accounts with Wells Fargo. We have elected to receive monthly paper statements. This selection was made upon initially creating the accounts decades ago. XXXX on-line system is deceptive and shows " on-line and mail '' selected for STATEMENTS. For notices, a customer can select " Mail. '' We are not receiving our statements. This is a continuous on and off problem for years. 

We have contacted our local branch representatives and the call center, and it continuously gets corrected and then they stop getting sent to us via USPS. 

XXXX wants to save money by not sending our statements via USPS and then forcing us to go online and retrieve our statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was expecting to receive my direct deposit from my job. But Capital One is not depositing my pay on time and I have rent to pay and i have to get back and forth to work.