23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A fraudulent credit card was opened without my knowledge or permission. 

JP Morgan Bank is reporting me for not paying a credit card that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX- Transunion receives letter about an account being inaccurate and for deletion. 
XXXX XXXX, XXXX - Received letter stating account has been updated XXXX XXXX XXXX- TransUnion receives letter about verification regarding of the account. 
XXXX. XXXX XXXX - Received letter stating again it has been Updated with no regard of verification of the account of inaccurate data TransUnion Consumer Services has been not been investigating properly for the unverified/ inaccurate information on the account in which has to be DELETED NOT VERIFIED OR UPDATED. Not to mention it took them more than 30 days to investigate and should have not been more days in which that also falls under more reason for deletion.
Product: Credit card or prepaid card

I have two complaints : when I first recieved this card I was able to have access to my account and routing numbers shortly after retrieving the numbers I misplaced them and can not find them. I called and asked for it again and coincidentally you dont give out that info. You advertised card can be used for direct deposit and we can't. Next the worst complaint is I tried using the card at a casino and couldn't so I called and was mistakenly told we can't use them there, although I have used it at casino shortly there after. Bottom line is you are putting your own restrictions and taking advantage of the situation. Also the account number is ours and legally have the right to have access to it. Please inform me differently
Product: Debt collection

I have been receiving letters for almost 2 years about a mortgage that XXXX County Ohio revitalization has taken over. Servicing Corporation has been sending letters stating that I owe a principal amount of XXXX, with an escrow adjustment of {$240.00}. 

I got a letter yesterday, XX/XX/18 with a balance due of {$0.00}, however stating " the borrower remain liable for the mortgage loan obligation and any obligations arising from or related to the property, which may include property taxes ; the borrower may be required to pay the balance on the account in the future, for example, upon sale of the property ; the balance on the account is not being canceled or forgiven ; and the loan may be  purchased, assigned, or transferred ''. 

The debt in question is not listed anywhere on my credit report ever or as of today XX/XX/18.
Product: Credit card or prepaid card

On XX/XX/23 I attempted to see what balance transfer Chase was willing to take so I could pay off my balance over the next year. I asked for {$13000.00}, but Chase was only willing to open an account for {$4000.00}. I then at that point did not authorize Chase to continue with account opening or any balance transfer. I ended up going to another company for the balance transfer that I was requesting. On XX/XX/23, I was made aware that the card was opened and the balance transfer commenced without my consent. I received a text message from Chase where I responded that I did not authorize any transfer. I then tried to contact Chase and was bounced back-and-forth with 7 customer service reps all over the globe over the span of 2 hours. Once I finally was to a representative that knew their own policies, they let me know that the group that I need to speak with closed an hour before. This was only an inquiry that I made online through my bank, well old bank now, and I never authorized any account opening. I have lost all trust with them. XXXX XXXX XXXX? The only information that I have is the last 4 digits that they used when they decided to open an account.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act Account XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XXXX, 2019, Mortgage servicer sent letter declaring that it had unilaterally raised servicing fees by 30 % and that such change would take effect beginning with XX/XX/XXXX payment. Payment in full, including extra servicing fees, timely paid by borrower ( me ) both for XXXX and XXXX. XX/XX/2019, qualified written request letter under Section 6 of RESPA sent to servicer via U.S. Mail. More than 20 business days have transpired without written acknowledgment of my request as required under RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EXPERIAN KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EXPERIAN IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EXPERIAN HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX, my PayPal account can not be linked with the bank and withdraw the balance. I have called the PayPal customer service representative several times. After uploading the ID card for verification as required by the customer service representative, the account still can not be linked with the bank and withdraw balance. Please help me
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I reached out to Equifax via mail to dispute inaccurate information that was contained within my credit report. I got no response from Equifax at the time and nothing was resolved. On XXXX XXXX XXXX I sent Equifax another letter, this time I sent it via Certified Mail. They are ignoring my letter and are sending me stall letters in return stating that they need me to send them a copy of my drivers license and social security card - THESE WERE ALREADY SUBMITTED WITH EACH OF MY PREVIOUS CORRESPONDENCES TO EQUIFAX. As of XXXX, they are still reporting all inaccurate information that was originally disputed- even though I have sent them PROOF that there exists an error on there part. They are willfully neglecting their duties as a credit reporting agency and data furnisher as described in FCRA Law.
Product: Credit reporting or other personal consumer reports

This account starts the first payment late XX/XX/year>, I need it to show account balance, date of payment received, scheduled payment amount and amount paid. to check its inaccuracy. I am demanding a deletion inaccurate of the following account : XXXX XXXX XXXX XXXX XXXXXXXX number XXXX. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX destroyed my credit for no reason. I had automatic payment set up, on XX/XX/XXXX the app malfunctioned not allowing for the automatic payment i had already set up to go through like the months prior. Less than XXXX hours later XX/XX/XXXX i noticed, and payed the balance accordingly. At first i was only allowed to pay the minimum balance, then the app malfunctions again charging me the full amount resulting in me overpaying. ( see XXXX XXXX star reviews for confirmation ) within a XXXX days i received a notification my XXXX XXXX had changed, XXXX points. I called my bank they did not help whatsoever even after i did as instructed and sent in a letter to their credit department. While this was taking place an additional XXXX points were subtracted from my score, the reason still unknown. I also found out that somehow XXXX claims i went over my credit limit by exactly XXXX dollar. So i contacted Transunion to dispute these events. Transunion removed the XXXX points but said they couldnt do anything about the XXXX when it should have never occurred. I don't understand how or why this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I sent a letter to XXXX, XXXX, TransUnion to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
Product: Payday loan, title loan, or personal loan

My wife applied for a loan online with XXXX XXXX for a in store pick. We read in the arrangement that if you did not pick up the loan it will not be processed. So we thought everything was ok because we did not need the loan anymore. We later notice that payments where being taken out of the account and called to ask why they stated that they gave us a loan of XXXX dollars. We explain that we did not authorize a loan to be given to us they deposit XXXX in our account without XXXX knowing it. We offer to pay back the XXXX dollars but they refused they wanted XXXX dollars. We believe that this is unfair and unacceptable since we did not authorize a deposit into our account. It been a year and they are still refusing to take the XXXX dollars and they are reporting to our credit that we owe they XXXX dollars this is damaging our credit and keep our score down. I would like this issue resolved can you please help us ... The Company is XXXX XXXX ...
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information that have been illegally reported on my credit report. I have been a victim of identity theft, and it is imperative that you rectify this situation without delay. 
These accounts were not opened by me, and I am not liable for any transactions or debts associated with them. The presence of these accounts on my credit report is a direct result of identity theft and is causing significant harm to my financial reputation and well-being. The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company Mechanics Bank is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. Mechanics Bank has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : MECHANICS BANK AUTO FI Account number : # XXXX
Product: Credit reporting or other personal consumer reports

I dont know how many times I need to bring this up, but I am sick and tired of seeing the same errors on my report. These mistakes are not just small issuesthey are actively lowering my score and blocking important financial opportunities.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I have no knowledge of them, and the company proceeded without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Checking or savings account

ITHIS IS THE ABSOLUTE TRUTH. ] deposited a large check from my mothers estate and forgot about the money because it was in the bank and saw no reason to worry about these funds. When my sister came to see me there was no money. Consequently, the state attorney is attacking me for having stolen this money. The bank has sent nicely prepared lkedger sheeyts showing withdrawals and other items saying I took this money. I DID NOT DO THIS. How easy would it be to prepare forged documents when you have access to these things. I can not seem to get an attorney to really investigate this because they are all " ambulance chasing. '' and this would have to be pro bono. I will take a polygraph if necessary. What notices and papers I had were lost when I had my XXXX and movled to an assistant living facility.
Product: Student loan

I contacted Navinet to gain advisement for the repayment options of the current standing of my loan. I have made my payments faithfully since the original date of XXXX XXXX. Please note my intention is only to resolve my debts. 

My last payment of XXXX was made on XXXX XXXX XXXX. Shortly before that payment was automatically withdrawn I was contacted stating that my loan amount would be increased to 2 % which is beyond what I can afford at this time. 

I was told it was the only option I had and therefore no payment has been set up for XX/XX/XXXX or XXXX XXXX. 

During my call to try to resolve this matter, a supervisior proceed to question " what am I doing to change my situation '' asking have I considered getting another job or a Roommate which left me feeling very challenged as a responsible individual only wishing to gain a resolution to my dilemma. I currently work for the XXXX XXXX XXXX as a XXXX beyond my contracted hours daily at a minimum of 10 hours per day to receive overtime to make a living and to satisfy my living expenses. One would presume that years of service would entitle them to financial increase year to year, however in my case that has not happened yet. I felt that the supervisors questions were very inappropriate given the information I had just given him regarding my current situation. 

Ultimately was simply reaching out to gain some support to address this matter. I asvised them I am able to continue on the 1 % repayment program totaling into {$210.00} per month, however to no avail.
Product: Debt collection

Dear To Whom this may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 
2. Verification of their claim against I : that is, a signed Invoice. 
3. A copy of the contract binding between me and you in a letter by certified mail. 
4. Full disclosure because I was not told I was creating the credit with my wet ink signature. 
5. Equal consideration because you as the creditor brought nothing of value to the table. 
6. Lawful Terms and Conditions. 
7. Wet ink signatures between you the creditor and I the consumer. 

Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

You MUST DELETE this collection of {$320.00} off of my consumer reporting profile in the next 30 days. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

You need to positively verify these accounts to ensure my ability to obtain credit. 
Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days. 

Thank you for your attention to this matter. 

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

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in XXXX XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 

I also have a Ftc Report and a police report.
Product: Credit reporting or other personal consumer reports

The attached accounts were previously disputed. An FTC report was provided and proper documentation. I was told several times that items were received new " projection dates '' from month to month. Items were taking longer than 30 days to get any type of responses. Accurate documentation was never provided to me to show that I am legally responsible for these accounts. 
I was also sent a letter showing specific items were deleted but they are still being listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to reinvestigate and respond to specific errors on my credit report from the attached attorney letter.
Product: Vehicle loan or lease

This vehicle was repossessed by the company, I was never given any documents regarding a deficiency balance. I don't know where this car is or ended up. This company has been falsely reporting the amount owed and refuses to furnish documentation regarding the whereabouts of the vehicle or the price it was sold for. I do not owe this amount, the company violates the FCRA and the FDCPA.