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

recently I applied to open a checking or saving account with CHASE but i was denied, i never had an bank account, i have never had a credit card, I had hardly work because XXXX XXXX XXXX currently i am on SSI and i was planning to have a saving account so i could start saving some money, but the financial institution make our lives impossible. They are sharks, they dont help people like me. I am planning to take this issue to members of congress, but before i do it, i would like to have a very clear explanation as to why they are not letting me have an account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Complaint Regarding Inaccurate and Fraudulent Activity on My Credit Report Dear Equifax, I am writing to formally request the removal of several inaccurate and fraudulent items from my credit report. My name is XXXX XXXX, and I have been trying to resolve these issues without success through various attempts. The credit reporting agency has failed to uphold the Fair Credit Act : ( Section 609 of the FCRA gives you the right to request both the information in your credit file and the sources of that information. ) Upon reviewing my credit report, I discovered the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Business Type : Auto Financing Companies XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters These items have severely impacted my credit score and financial standing. Despite multiple efforts to rectify these issues, I have not received a satisfactory resolution. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given the circumstances and the failure to resolve these inaccuracies, I am requesting the immediate removal of the aforementioned items from my credit report. 

Please find enclosed copies of [ relevant documents, account statements, police reports, etc. ] supporting my claim. I kindly ask for a thorough review and correction of my credit report to reflect accurate information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide an update on the resolution process. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

42 use color of law Synchrony mattress fir. ACCT BALANCE IS STAYING THE SZMD XXXX THIS BALANCE NO CHANGES.MIGHT BE ANOTHER
Product: Debt collection

I am writing to formally file a complaint against LVNV Funding LLC for their continued failure to remove fraudulent collections accounts from my credit report, despite being provided with substantial evidence of identity theft and multiple notifications of the issue.

During the process of obtaining pre-approval for a mortgage, I was notified of three accounts currently in collections. Upon learning this, I contacted all relevant companies to gather information and address the issue. My identity was stolen in XXXX, and the repercussions have persisted across multiple states, including Pennsylvania and Oklahoma. Over the years, I have documented these incidents through numerous police reports filed with various authorities. 

Furthermore, I was contacted by XXXX XXXX XXXX  XXXX, who made threatening remarks regarding my financial stability in relation to LVNV Funding LLC. Upon investigation, I discovered that my former business, now closed, was compromised, and a loan was fraudulently obtained using my personal information. This incident, along with others, was reported to law enforcement. I have also taken additional protective measures, including filing an identity theft report with the Federal Trade Commission ( FTC ) and establishing a credit freeze. 

I have provided LVNV Funding LLC with the following documentation on multiple occasions : A detailed statement of the fraudulent activity. 
Copies of local police reports. 
The FTC Identity Theft Report. 
A notarized affidavit attesting to the fraudulent nature of these accounts. 
Despite these efforts, LVNV Funding LLC has failed to take corrective action and continues to report the collections account on my credit report. Most recently, I sent a final notice on XX/XX/XXXX, reiterating that all pertinent information had already been provided and requested that they resolve the matter by XX/XX/XXXX. However, no action has been taken to date. 

LVNV Funding LLCs actionsor lack thereofconstitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their failure to investigate and remove fraudulent information, despite receiving substantial proof of identity theft, is unlawful and has caused significant harm to my financial reputation and creditworthiness. 

I am requesting the CFPBs assistance in holding LVNV Funding LLC accountable for their non-compliance and ensuring that the fraudulent accounts are promptly removed from my credit report. Please advise on the next steps to escalate this matter and enforce compliance.
Product: Checking or savings account

On XX/XX/2019 I opened a business checking account online with iberiabank in respond to their promotion offer XXXX. The term states, earn a {$200.00} business checking cash bonus when opening a new business checking and make 15 client-initiated debit transactions ( use your debit card, write a check, or use Online Banking with XXXX XXXX  ) within the first 90 calendar days of account opening. I have satisfied the term requirements within the 90days, but never received the {$200.00} bonus. I contacted their customer service mutiple times in XXXX to inquire about the status and they kept delaying giving me the answer until 2 weeks later. They denied my bonus saying i did not make enough debit transactions, which was totally false. I had more than 15 debit transactions. When i pressed on they then claimed that some of my debit transactions were through XXXX app and XXXX app transactions didn't qualify. But the problem is that this info was not disclosed in their promotion term ( please see attached their term sheet ). If they didn't disclose or specify, how in the world could i know what debit transactions were excluded? I have followed and met their term exactly, but they did not!
Product: Credit reporting or other personal consumer reports

There was an affidavit sent to XXXX, XXXX, and Transunion regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account from my credit report.
Product: Student loan

My company uses XXXX to make payments to my student loan on my behalf as a benefit. XXXX made a payment but Edfinancial says they never received it. XXXX has reached out 6 times to Edfinancial to inquiry about the payment but they have not provided any successful response or timeline about that is being done
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX GEORGIA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Product: Vehicle loan or lease

I am writing to request that Honda Financial Services immediately cease sharing my personal and financial information with credit reporting agencies. I have reviewed my credit reports and have noticed that information pertaining to my account ( # XXXX ) with Honda has been reported to credit reporting agencies. 

I understand that Honda may have a permissible purpose for accessing and sharing my credit information for certain purposes, such as extending credit or collecting on a debt. However, I do not believe that Honda has a permissible purpose for sharing my information with credit reporting agencies at this time. 

Therefore, I request that you immediately cease all sharing of my personal and financial information with credit reporting agencies, as allowed under the Fair Credit Reporting Act ( FCRA ). Additionally, if any negative information related to my Honda account has already been reported to the credit reporting agencies, I request that you correct the information to reflect that the account has been paid as agreed or otherwise XXXX  it out. 

Thank you for your prompt attention to this matter. I expect a response from you within the time period required by law. 

Sincerely, XXXX XXXX, a natural person
Product: Mortgage

I am trying to make my regular mortgage payment and the lender refuses to accept regular mortgage payment due to carryover late fees from a prior lender. They are trying to collect those fees by altering my fixed mortgage payment. Now they refuse to accept my regular mortgage payments. I explained to them at this time I could only make my regular mortgage payment of XXXX and they refuse to accept it. They said they could only accept XXXX. My payments to this lender Statebridge Co has never been late.
Product: Debt collection

I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from XXXX XXXX XXXX. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out todayXX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX and my ssn is XXXX I have been reporting to capital one identify theft in XXXX when I was in XXXX a credit card in the amount of XXXX whats opened and I have been disputing its currently in collection
Product: Debt collection

Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I log into My.Equifax.com, my dashboard shows XXXX open dispute. I am trying to get a mortgage to buy a home and my lender will not issue a clear to close because my Equifax credit report is showing an open dispute. Dispute confirmation number : XXXX This dispute on XXXX XXXX XXXX was opened in XX/XX/2020. It is still showing Active in error. This shouldve been closed within XXXX  days. I called Equifax XXXX  times. I spoke with a rep who stated that there are NO OPEN disputes on my credit. 
I explained that their website says differently and gave her the confirmation number for the open dispute in question. She verified that this dispute has been closed for almost a year. 

I spoke with a manager who stated the same. Both stated there is no email where I can send screenshots of the error and no one else I can speak with to correct the error. 

Im XXXX XXXX XXXX. This is causing a huge XXXX for me and I am unable to close on my home.
Product: Credit card

Urgent : Report of Credit Card Fraud Due to Theft Dear Consumer Financial Protection Bureau, I am writing to report a case of credit card fraud resulting from a theft incident. On XX/XX/year> of incident, my car was broken into, and my wallet was stolen containing all my credit cards and my personal identification. The thief has since used my credit cards to make unauthorized purchases totaling approximately {$20000.00}. 

I have video evidence of the individual breaking into my car and have reported the incident to the police. The police report ID number is XXXX. Additionally, I have contacted all the banks to close my credit cards and prevent further unauthorized transactions. 

I request your assistance in investigating this matter and taking appropriate action to address the fraudulent charges on my credit cards. 

Thank you for your prompt attention to this issue. 

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

To Whom It May Concern : I XXXX XXXX recently pulled my credit from XX/XX/XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX I wrote to the 3 credit bureaus XXXX, EQUIFAX, & XXXX   informing them of the information the Bankruptcy Court gave me about them not performing any activities with the 3 Credit Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX//2018. I received a letter from XXXX AND EQUIFAX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to XXXX AND EQUIFAX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

This is my last Complaint trying to rectify the issues pertaining to the unauthorized information on my credit report through this avenue. Per Fair Credit Reporting Act Section 605B ( a ) you are require 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 ; which have ALL been provided to you before. [ See attachments ] All information needed to rectify the issue are in the attachments in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following is a brief summary of the unauthorized information and accounts that do not belong to me and should be removed from my credit report immediately. 
-Nonmailable Addresses -Unauthorized Accounts -Unauthorized Inquiries THIS IS NOT MADE IN ERROR!!!!!!!!! I REPEAT THIS IS NOT MADE IN ERROR!!!!!!!!!
Product: Credit reporting or other personal consumer reports

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I purchased a new vehicle from a Kia dealership here in Michigan ( XXXX XXXX in XXXX ). The dealership stated they were going to run a single hard pull credit check in order for me to be approved for the auto loan. Little did I know they were also going to run it through Hyundai financial besides Kia financial resulting in two hard pulls in the same day which in turn has plummeted my credit score. 

I was told 1 hard pull, and somehow two were processed I am requesting that the unauthorized hard pull from Hyundai be removed from all of my credit reports immediately. 

I hope you can help me, Thank you XXXX
Product: Checking or savings account

My mother in law wrote me a valid check, which had a standard hold for 3 business days. On the 3rd business day the check was returned labeled refer to maker. My mother in law wrote a valid check, did not decline the check, and had the proper amount of funds in her account. The funds had actually been withdrawn from her account, actually, so the transfer should have completed. Both of us use Chase bank. When I deposited the check, I asked the teller to verify that there wouldnt be any problems from the Chase bank. The bank did not inform either party, and as of the call I made this morning the bank hadnt informed my mother in law why
Product: Credit reporting or other personal consumer reports

I have no idea about this credit card I called to try and have this resolved they told me thats not possible wouldnt speak further about it I know of no XXXX dollar credit card received from them or ever being aware of it it hasnt been on my credit report as a late payment anything until now and when I go to fix the issue its they dont have the information this isnt right
Product: Credit card or prepaid card

Account Ending In XXXX Reference Number : XXXX Merchant Name : XXXX XXXX Transaction Amount : {$500.00} Transaction Date : XX/XX/2020 Dear XXXX XXXX, We are writing regarding your inquiry about the charge ( s ) from XXXX XXXX of {$200.00} on your account. Request you to please provide detailed letter describing the events surrounding your claim, including the exact amount of credit you are requesting. 



Request you to please provide details of overcharge with exact amount you are disputing with proof of being overcharged and please provide proof of merchant agreed to do a price match or agreed to refund or proof of promised refund. In addition to above, if you have any documents pertaining to the claim, then please provide us with that. 



For all other claims, please send us a detailed letter describing events surrounding your claim, including exact amount of credit you are requesting and any additional information you believe will help us to investigate the claim on your behalf. You can send us information by uploading your documents at americanexpress.com/document center. Be sure to select Billing Inquiry as your document category and use your Dispute Reference Number for your submission. If you prefer, you may also fax it to XXXX, or mail it to following address : American Express Credit Card Account, Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

today i got this email after numerous letters sent and calls i have explained over and over why i dont have the chat transcript wherein the XXXX was promised to be refunded my phone rang friend was in an accident and i was unable to save the chat i have explained this many times over and over no one listens Same form letter just like when i originally called this in it was not taken accurately.XXXX XXXX stimply sent bill and i was rebilled this is NO T the dispute the dispute is whether i was promised something which i was and i do not have proof what i do have here is however is a good name and i am not sure what will happen here but i know i wont use my cards any until this is properly resolved. 
i have no other info than what i sent please ASK them to investigate who andw why i was lied to put it on them. they have more resources than me i wont pay this i cant use my accounts here either right now