23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Services sent a letter back in XX/XX/XXXX about a modification. Which I already did one with the previous mortgage co. back around XXXX '. Called them on XX/XX/XXXX spoke with a customer service rep. and she hung up. I called back and got another rep. which the male answered then hung up. I then called on XX/XX/XXXX an spoke with a male rep. explained didn't owe no {$18000.00}. that would be about 2 years of back payments. Which I only been with Specialized Loan Services for about 2 - 2 1/2 years. 
Also, stated why were my payments not posted correctly. Which would go done as credit then as a negative showing no payment received. The male rep. stated was posted to account and that now balance was down to {$15000.00}. past due. In which I stated again was incorrect balance past due. Plus, I also stated that had already did a modification with previous mortgage company. Then the male rep. advised that I wouldn't be able to apply for a modification, due to lack of being on unemployment. I know that Specialized Loan Services ( SLS ) has only been in business since about XXXX '. Also, they have had Class Action Lawsuits against them in other states.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX:XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/2018. How is that accurate? 
There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$2200.00}. How is this accurate? 

There should be no negative payment history on a collection account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I filed XXXX reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX  XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a 3rd account from XXXX XXXX under the account XXXX  on XX/XX/XXXX. 
2. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} 3. A personal credit card opened at XXXX  XXXX XXXX  on XX/XX/XXXX with a balance of {$710.00} 4. 5 student loan accounts opened at XXXX XXXX XXXX on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
5. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
6. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} 7. A loan or credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$1300.00} 8. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} 9. a credit card opened at Continental Finance Company XXXX XX/XX/XXXX for {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Subject : Complaint Against Chime Failure to Fulfill Promotional Bonus To Whom It May Concern, I am filing this complaint against Chime, a financial technology company, regarding their failure to fulfill the terms of a promotional bonus offer associated with the opening of a Chime checking account. 

Summary of the Issue : On XX/XX/year>, I opened a Chime checking account through a promotional link provided by XXXX XXXX XXXX, XXXX ). The promotion promised a XXXXXXXX XXXX bonus upon meeting the following criteria : Opening a Chime checking account through the promotional link. 
Completing two direct deposits of {$200.00} or more from an employer. 
Actions Taken : Chime Account Enrollment Date : XX/XX/year>. 
Payroll Direct Deposits : First deposit : {$200.00} on XX/XX/year>. 
Second deposit : {$200.00} on XX/XX/year>. 
ID Verification : Completed on XX/XX/year>, using a state-issued ID via the secure link provided. 
Problem Details : Despite fulfilling all promotional requirements, including completing payroll direct deposits and verifying my identity, Chime has failed to confirm eligibility or communicate with XXXX to ensure the bonus is processed. Multiple attempts to contact Chime for clarification have resulted in no action or acknowledgment. 

This lack of accountability and communication demonstrates poor customer service and raises concerns about deceptive marketing practices. 

Desired Resolution : I am seeking the following resolutions : Confirmation from Chime that I have met the requirements for the promotion. 
Immediate communication with XXXX ( XXXX, XXXX ) to ensure the promised bonus is credited to my account. 
An explanation for the delays in addressing this matter. 
I also request that Chime reviews its promotional practices to ensure better transparency and accountability for future offers. 

Thank you for your attention to this matter. 

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

please review the following accounts that are reported on my credit report, without any authorization Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

. Identity Theft XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

Hard inquiries that require deletion ; XXXX. XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX
Product: Vehicle loan or lease

I have no problems with fair at all but they're very hard to get in touch with I was doing XXXX on the XXXX of XXXX I got to order at XXXX 's on XXXX XXXX in XXXX XXXX as I was making a U-turn on XXXX XXXX older women speed it up to hit me why she could collect insurance money insurance fraud I reported XXXX XXXX police by the Woman being white with two witnesses she told the police I turned on red when I was turning it was on Green I do not know how she could see the other side what could of the lights was I try to report start Insurance claim up but I didn't know the policy number so please help me Fair
Product: Debt collection

I just was made aware of the CFPB 's Consent Order against XXXX ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by XXXX in the amount of {$3600.00}. XXXX did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by XXXX along with my XXXX credit report showing negative action from XXXX.
Product: Checking or savings account

Try opening an account ( checking and savings ) no reason why my accounts werent opened.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a credit reporting agency, for their failure to adequately investigate and correct inaccurate information on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This is a violation of the Fair Credit Reporting Act ( FCRA ) specifically section 1681.0 for civil liability due to negligence in failing to comply with the FCRA. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. section 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof investigations. 
Here is the list of inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX - I called Mr. Cooper Mortgage and asked why my unpaid balance was {$660000.00} when my original loan amount with XXXX XXXX  before it was sold and transferred was for {$50000.00}. How did it 13x? And they said they'd open a case and look into it. 

On XX/XX/XXXX - I spoke to a gentleman named XXXX and he said that my account will reflect the correct unpaid balance by XX/XX/XXXX. He said he sees the original promissory note that shows that the original loan was for {$50000.00}. 

On XX/XX/XXXX - I spoke to a lady named XXXX and she said the unpaid balance will not be resolved and updated on XX/XX/XXXX. She said she would call me back on XX/XX/XXXX with updates. She also said that the original promissory note was for {$50000.00} and that Mr. Cooper made an error. 

On XX/XX/XXXX - I spoke with a lady and she said no there are no updates on my case. 

I have called everyday since XX/XX/XXXX, and no updates have been given. They make false promises to call me back and correct their error, but none have occurred. I've received generic emails in the early morning every time I ask for updates. I have been emailing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3.  ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX/Lowes account # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Product: Checking or savings account

I was scammed and an unauthorized user was able to access my account and transfer via XXXX funds to another accounts and they began to harass me about money I went to the police to file a complaint about the scam and threats done to my life. When I reached out to my bank to notify them about the situation and file a claim in hopes of recouping my money by cancelling the transfer or seeing of any protection that the bank had. They said they could not help me due to the transfer being done via XXXX. Even though their bank offers this service within the application and the I was scammed into this transfer. I have attached both transfer of a total of {$490.00} and can provide a police report of the incident if needed.
Product: Debt collection

On XX/XX/XXXX at XXXX PM, I received an email from XXXX XXXX stating that " a collection account could be impacting your XXXX XXXX. '' I logged into XXXX XXXX and found that Credit Control LLC had reported a debt collection on my credit report for {$790.00}. I logged into XXXX and created a XXXX XXXX on my credit report as well as disputed this claim. I also emailed Credit Control LLC and signed up for XXXX XXXX. I had XXXX breaches on existing accounts in the last year ( loandepot.com and through XXXX 's XXXX XXXX XXXX ). These came with a notification letter and free access to credit monitoring. On XX/XX/XXXX at XXXX AM, I called Credit Control LLC to find out more information. They referred me to XXXX XXXX XXXX XXXX number XXXX and reference number XXXX for investigation. At XXXX AM, I called XXXX XXXX ( a utility company ) and was forwarded to their credit department. I discussed my situation and history. I also stated that I have no property or rentals in XXXX  and have lived for over XXXX  years in my current residence in XXXXXXXX XXXX  She said the there is a possibility that someone used my social security number to open up a utility account. Additionally, she told me to file with the XXXX  and a local police report and to send them to XXXX. She also relayed the additional details of the claim : - Account information : XXXX - Balance : {$790.00} - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Opened : XXXX XXXX, XXXX - Closed : XXXX XXXX, XXXX - Address confirmation : I uploaded a detailed list of all my conversations and emails associated to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I overnighted a dispute letter to EQUIFAX and a copy of my identity theft report ( please see attached ) and asked them to remove the fraudulent inquiry from XXXX. By law, they were supposed to remove it four days after receiving my dispute- as of today, XX/XX/2022, they have not removed it. I even spoke with one of their representatives on XX/XX/2022, who said she was going to delete it - that was seven days ago and the fraudulent inquiry is still showing on my credit report. Please remove the fraudulent inquiry from my credit report immediately as I have requested numerous times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in XXXX, XXXX and Transunion .Below are the accounts I'm referring to : XXXX XXXX XXXX XXXX  XXXX XXXX Accoun XXXX XXXX XXXXXXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX Transunion XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX
Product: Credit card

I am writing to address an issue regarding my account payments and the recent late fees I have incurred. 

Payments on my account have consistently been made on time. However, I was recently informed by an employee that their card may have been cloned, which has led to confusion regarding charges on my account. I want to emphasize that I can not be held responsible for payments that are not mine. 

Until XXXX, all my credit payments were made on time. Unfortunately, I had to dispute some charges that were not mine, which were subsequently removed through a chargeback process. Despite this, I am now facing late fees due to these circumstances. 

I hope you understand my position, and I respectfully request that you review my account to resolve this issue. I appreciate your assistance and look forward to your prompt response. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

My Membership Rewards account has been under review for several weeks and I can not transfer my points. I tried several times to transfer but failed.I contacted the customer service and they can not help. 
I do need to book a award ticket recently which may be booked out soon. So please free my account, thank you!
Product: Debt collection

Account Paid in full by XXXX XXXX Florida XXXX.
Product: Debt collection

I WAS CONTACTED BY A LETTER/BILL STATEMENT OF COLLECTION FROM ALLIED INTERSTATE, LLC. SAYING THAT I OWE A DEBT FROM XXXX XXXX  FOR MY COMPANY : XXXX XXXX. THE DEBT IS SHOWING {$740.00} AND I/WE ( ME AND MY WIFE ) HAVE NEVER HAD ANY DEBTS/LOANS/CREDIT WITH XXXX XXXX. I HAVE NEVER HEARD OF XXXX XXXX, EVER BEFORE. 

YESTERDAY, I " CERTIFIED/RETURN RECEIPT '' MAILED THEM THE BELOW : MY COMPANY : XXXX XXXX HAS NEVER EVER HAD AN ACCOUNT WITH ANY OF THESE COMPANIES : I WILL BE SENDING ALL INFORMATION ABOUT THESE COMPANIES TO THE FTC AND THE CONSUMERS FINANCIAL PROTECTION AGENCY ! ( The Bureau of Consumer Protection ) : AND FILING COMPLAINTS! 
IT IS CRIMINAL TO HAVE DARK WEB COMPANIES JUST KEEP SELLING OUR DATA AND INFORMATION ACROSS THE WEB AND SYSTEMS, JUST TO SCAM PEOPLE OUT OF MONEY. JUST CRAZY AND WRONG!!! 
PUTTING CREDIT ALERTS AND RESTRICTIVE THINGS ON OUR CREDIT FILES, SEEMS TO NEVER STOP CRIMINALS, FROM THIS XXXX! 
XXXX XXXX