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

My XXXX credit report shows an unexpected inquiry on XX/XX/year>, listing American Express with a XXXX phone and mailing address. 
XXXX directed me to call American Express to inquire further and follow the instructions on https : XXXX American Express customer service could not locate any application submitted on that date. 
I was advised to follow the same instructions listed on XXXX 's website. I sent a letter ( attached ) via Certified Mail electronic return receipt with my name and copy of XXXX credit report ( attached ) stating I didn't apply for any account on XX/XX/year> and American Express customer service did not locate any application matching this inquiry. The last valid inquiry is XX/XX/year>. 
I requested American Express please send a letter directly to XXXX to remove this inquiry from my credit report. 

The response letter from American Express ( attached ) stated they are unable to comply and that they had a permissible purpose to order and review my credit report when I submitted an application. 
They did not provide any details about said application. 
Seeking details about this alleged application submitted on XX/XX/year>, I called American Express 's credit reporting department and was transferred to the new account department for identity theft review. 
They still could not locate any application corresponding with this inquiry. They also did not show the inquiry in their system. 
They refused to send the letter to XXXX to remove the inquiry shown on my report that they claim did not come from them. They so far have not been willing to comply with XXXX 's guidance : If the lender cant confirm the account or if the inquiry was made in error, ask them to send a letter directly to each credit reporting agency that shows the inquiry to remove it from your credit report. 

I was advised the next step would be to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX, in retaliation for filing of CFPB Complaint Number : XXXX, immediately reported derogatory comments to all credit bureaus, when it was due to XXXX compliance shortfall and their reluctance to provide a reinstatement solution that the account became delinquent. Whereas it may be their right to do so, the timing of the reporting is suspect and an obvious retaliation for exposing their questionable ways in violating regulations and not complying with requirements the consumer is entitled to. Their retaliatory action has eroded my credit score by XXXX points and if it stays, will last for 7 years. This type of action by XXXX needs to cease and desist. Disgusting, despicable and dishonest. Supporting detail is attached. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX collected payment for a procedure that was supposed to take place on XX/XX/XXXX so the date of the service was XX/XX/XXXX. 
I made this payment on the basis of the XXXX telling me i would receive a XXXX procedure. 
Instead he used a XXXX XXXX on me whcih has XXXX XXXX XXXX. XXXX XXXX are used to remove XXXX and are not XXXX XXXX. I did not pay for a XXXX treatment but a XXXX treatment that clearly was not conducted on my skin as evidenced by multiple photos & acknoweldgements by the office of XXXX XXXX. 
The use of this unconsented treatment was ackowledge by XXXX, the assistant to XXXX XXXX in the scan attached to this complaint. 
This was an advance fee scam that has XXXX XXXX XXXX and is not aligned with the terns agreed to under the care credit card. I became suspicious of what type of XXXX  was used given the XXXX XXXX XXXX XXXX XXXX, There are photos taken in XX/XX/XXXX that show the bad XXXX XXXX XXXX XXXX & support my claim i did not receive a XXXX XXXX As such I am due a refund of all of my monies as they were obtained under fraudulent cirumstances. This does not even address the thousand of dollars of loss that i experienced as a result of receiving this fraudulent XXXX XXXX XXXX XXXX.
Product: Mortgage

At this point and time I may not have the necessary documents for you to access, but as my report may show a numerous amount of inadequate reports. Sadly, to say I was XXXX majority of the years my credit may or may not have been used. Therefore, I would greatly appreciate it if you would look into the matter and provide me with year and date that my information was involved in. Also, how would I access much needed funds through this financial company? If at all possible?
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unresolved dispute concerning several erroneous credit collection accounts on my credit report. Despite my previous efforts to rectify this matter, the accounts listed under the following numbers : XXXX Account Number XXXX  XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX Account Number : XXXX that I was only a authorized user on should not be on my report XXXX XXXX account I was only an authorized user on should not be remain on my report, in direct violation of federal laws and regulations. 

I have previously referenced these disputes under # XXXX and # XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a, consumer reporting agencies are mandated to uphold their responsibilities with fairness, impartiality, and utmost regard for the consumers right to privacy. Moreover, 15 USC 6801 reaffirms Congresss policy that financial institutions must respect customer privacy, including the non-disclosure of nonpublic personal information to non-affiliated third parties, as stated in 15 USC 6802 ( b ) ( c ). 

Furthermore, 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. Equifax, XXXX, and XXXX currently lack my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. This withdrawal of consent is explicitly asserted. 

Moreover, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report without authorization. The re-reporting of these accounts without my permission constitutes an adverse item, thus contravening the Act. 

I am once again demanding the immediate removal of these erroneous accounts from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action against Equifax, XXXX, and XXXX for the violation of federal laws, including the FCRA and other relevant statutes. 

Additionally, if these accounts are not removed promptly, I will have no option but to file a report of identity theft against credit bureaus as the inclusion of nonpublic information that was never authorized for display constitutes a serious breach of privacy. 

I trust that you will take prompt and decisive action to rectify this matter and restore the accuracy of my credit report. I look forward to your swift response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
XXXX - XXXX XXXX XXXX. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes promptly. XXXX and XXXX have already corrected this inaccuracy on their reports. I urge you to take immediate action to update this erroneous account on my report as well. A written confirmation of its correction would be greatly appreciated.
Product: Student loan

I have been pa ying {$360.00} a month for nearly 16 years ( roughly {$70000.00} ). My original principal in   XXXX   was {$23000.00}. Why is this loan not paid off three tim  es over?!! Navient say s its a 7 % interest student loan, but only 50 % of my payment is applied to the principle balance. I 've done the math over and over, I have an auto loan at 7 % and 85 % of my payment goes to principle. What kind of math are they using? This loan should have been paid off years ago. They are thieves! They wo n't give me any explanation ... they just show me where I signed their contract and they give me payment history, but never say why my loan balance is not decreasing at a 7 % rate. I 'm refusing to pay any more. Maybe they 'll talk to me if I do n't pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in XXXX of 2020 that I had a late payment reported on my credit. XXXX XXXX  holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.
Product: Debt collection

Dear, I received letter from XXXX XXXX XXXX , XXXX indicating I owed {$530.00} to PayPal, I dont know how I can owe PayPal usually I buy something and I pay PayPal and PayPal pays It to merchants, I called PayPal about It as fraudulent and PayPal couldnt provided me how i owed It and what but they closed the account as fraudulent now XXXX XXXX asking me to pay for something that I didnt purchased, I called PayPal again today I was told we dont own the account so I called XXXX XXXX and I told them that was fraudulent and PayPal closed It as fraudulent
Product: Money transfer, virtual currency, or money service

We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had one {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk since we were an online auction company and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date in which they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. Upon contacting WePay, they state that they will release the funds after 120 days. At this point we filed a complaint with the CFRB and we were contacted by someone from Chases ' Executive Resolution Team who also stated that it would be 120 days. 

It has now been 124 days and WePay has still not released the money. The original reason I was given was that they did not know that if we still had the same account to deposit the money into ( which doesn't make sense, since we have a merchant service account with Chase which owns WePay, additionally, every state in the union has an unclaimed property division so if the deposit were rejected then it would go into that account ). They stated that we had to put in a request to have the money deposited. Now we are being told that they will review the account by XX/XX/XXXX to determine if the funds can be released. This is beyond the 120 days that we were initially told by Wepay as well as the representative from the Executive Resolution Team.

Based on the previously statements made by Wepays ' representatives as well as the representative from the executive resolution of Chase, it would appear from the outside looking in that WePay is counting on X number of companies to not follow-up with them, Knowing this, we can not in good conscience not file a complaint with State Senator XXXX XXXX XXXX as well as the Ohio Attorney Generals ' office regarding these business practices.
Product: Student loan

I have been paying student loans with XXXX XXXX for a few years. I havenever missed a payment on my loans. I was paying interest only for a fewyears {$440.00} a month. XXXX XXXX and myself agreed to pay {$550.00} startingXXXX XXXX. I was told this would be my payment from now on. I lost myjob making {$50000.00} a year. And now I make {$20000.00} a year. I stillmanage to make my payments. Now, they have sent me a payment of {$640.00} a month. And there is no way I can pay this. Seem like they aretrying to put me in default. I have friends that are in default and they arenot trying at all to make payments to XXXX XXXX at all. I 'm going tocontinue making my payment of {$550.00}, and that 's the best I can do. 
I have contacted my XXXX XXXX XXXX XXXX and you 'll on thismatter. I would appreciate any help on this matter as soon as possible. 
Thanks.
Product: Credit reporting or other personal consumer reports

Remove the following accounts because they are not mine. 

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

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this property nor did i ever move in. When i did the application, i never submitted it due to the fact that i was looking electrical where. XXXX XXXX, emailed me to send him documents and i did. HE pushed the application through without any consent without me and i was approved. now you guys are trying to charge me for an application that i did not complete on my behalf, he did
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are in accurate *chapter XXXX bankruptcy XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

names are incorrect on my credit report should be only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please see police report, thanks
Product: Checking or savings account

I filed a fraud dispute XXXX on XX/XX/year>. To date, Navy Federal has not acknowledged, accepted, or opened my claim at my request. They have only canceled my debit card and did not order a new one for me. I had to personal request a new one on XX/XX/year> via the online portal. 

I provided details of the assault that occurred, how my personal identifying information was taken from me, to include my phone, drivers license, phone, wallet, and keys. I also shared that there was a police report, the person who was later arrested as a result of the incident, and faxed the police report as well.
Product: Vehicle loan or lease

I traded my vehicle in 2021 and it was paid in full. A loan release statement never reached me and now I'm trying to get a mortgage but the loan is still showing on my credit report. After 5 calls now to try and get a statement from them to state the loan was paid I'm still unsuccessful. I am told each time that the file has been archived and they can't access it. It's reckless to archive a file without updating the credit bureau. I stand a great chance now of losing my home loan due to this as it increases my debt to income ratio.
Product: Money transfer, virtual currency, or money service

I received XXXX emails from a company called Chime in my primary email. I have not interacted with this company in any way, shape or form so I called their number listed within the email that was at the end of a sentence saying to call them if you did not make this account. I then was on a call with a customer service representative and explained that this was a fraudulent account made using my information and that I want it closed. She then confirmed that the actions were fraudlent and that Chime will close the account. I was then sent an email telling me what I can do after this. 
It said : " Chime has closed the account in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card. We'll also remove you from any marketing email lists within XXXX business days. 

Here are some best practices you can follow to protect your identity : Place a fraud alert by contacting XXXX of the XXXX credit bureaus. 
XXXXXXXX  or XXXX TransUnion.com/fraud or XXXX XXXXXXXX or XXXX Review your XXXX XXXX XXXX  by visiting XXXX  or calling XXXX Visit IdentityTheft.gov or call XXXX to learn more about additional steps you can take to protect your personal information, including how to report Identity Theft to the Federal Trade Commission You may choose to file a report with your local police department.

If you received a 1099 tax form, immediately report the suspected identity theft to the IRS ; you do not need to report the income or request a revised 1099-MISC form showing {$0.00} income from them. 

Please let us know if we can be of further assistance. 

Kindest Regards, XXXX | Member Protection Team '' The secondary email sent after that was : " If you wish to receive additional information regarding this account and transaction records we request that you provide the following : Confirmation of the last XXXX digits of your Social Security number, AND Proof of your ID theft claim, which may be a police report or a completed FTC report ( available at https : //www.identitytheft.gov ). 
Make sure that Chime is listed as an Affected Account on the Police Report or FTC report. ''
Product: Money transfer, virtual currency, or money service

I tried to bridge ETH direct from my Coinbase account to their Layer 2 product, Base, via the portal proxy contract. This was an error, since the bridging will deliver the ETH back to the exchange on Base, and there is a possibility the ETH would be lost and unrecoverable. I tried working out asset recovery with their support ; unfortunately, their support had no idea what I was talking about, even after directing them to their own user documents and explaining the issue very clear. Further, they called me XXXX XXXX XXXX which is not my name, and purported to deliver me a case number for reference, but didn't. I was then cut off from online chat support and told " email support '' would be in touch. That has not happened yet, and I am skeptical about receiving any sort of adequate support to attempt to resolve this issue ( understanding it may not even be resolvable ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, US DEP ED Company 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
Product: Credit reporting or other personal consumer reports

There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by XXXX documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, studentaid.gov, XXXX XXXX, XXXX and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from XXXX and XXXX. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM XXXX AND XXXX AND NEEDS TO BE RESOLVED IMMEDIATELY. 

All 6 loans need to be removed from my credit report.
Product: Mortgage

During the month of XX/XX/year>, a partial mortgage payment of XXXX. We continued to make our regularly scheduled bi-weekly automatic withdraws of XXXX. Each new payment was applied to the current due balance, not the past due balance, resulting in 11 months of the XXXX being late and ultimately reported to the credit bureau. Freedom Mortgage never emailed, called, texted, or mailed us to explain how this was impacting our account and rectify the situation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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