23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I never have used another name besides XXXX XXXX, I keep seeing many versions of XXXX and getting offers for credit card : XXXX XXXX XXXX XXXX XXXX I also see a wrong address I have never been at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ... May we correct this? It worries me.
Product: Checking or savings account

Back in XXXX of 2022 I had my tax refund deposited into my chime account, my account has some fraudulent activity on it and I kept contacting chime to help me stop the fraudulent charges. Chime closed my checking account and never returned my funds in my account. For the past 2 years I have been trying to get my funds from chime with no luck. I had about XXXX dollars in my account and chime has failed to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report
Product: Mortgage

My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/2019 My previous mortgage company DitechI Reported I did not pay XX/XX/2019 I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan
Product: Debt collection

RISE CREDIT OF SOUTH CAROLINA {$1500.00} has been attempting to collect a debt that is NOT MINES I have not received supporting documentation proving this debt is mines, and they still keep attempting to report said debt to my credit, causing more damage and they keep attempting tor collection on debt that has extends pass the legal status of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. II RECEIVED A COPY OF MY INNOVIS REPORT AND THEY ARE REPORTING XXXX CARD AS MY ACCOUNT I HAVE ATTACHED MY ID THEFT REPORT PLEASE SEE ATTACHED
Product: Student loan

working for a public service for 5 years wasn't offered pslv by navient
Product: Credit reporting or other personal consumer reports

My childs father stole my info and was using it. I asked them to remove it through disputes they wouldnt so I have them my identity theft report and they still havent removed them
Product: Credit reporting 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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX.Failure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies.
Product: Credit reporting or other personal consumer reports

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX XXXX  ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/2022 ( formal letter ) to alert them that the information in my credit profile was incorrect, and asked them to re-investigate why affirm was reporting these false accounts on my credit profile. I asked for proof of these alleged items, specifically the contract, note or other instrument bearing my signature, so I could prove it was inaccurate and not belonging to me. I requested that if they couldn't show these materials that it was unfair to let them remain on my profile and to delete these items from my report as soon as possible : XXXX XXXX XXXX XXXX They did not respond in 30 days, so I sent a second letter on XX/XX/2022  alerting them that since they did not provide any proof that I asked for in order to reinvestigate the items, that by law they needed to take them down completely, removing them from my Experian profile.
Product: Credit card or prepaid card

The issue is causing me significant XXXX and XXXX to the point where I'm having trouble sleeping.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Final Updated Account Statement - XXXX Account Number XXXX Dear Debt Recovery LLC DBA Genesis, I am reaching out to formally contest the Final Updated Account Statement dated XX/XX/XXXX, received through the CFPB Website under case # XXXX. I have identified several discrepancies that need correction : 1. Base Rent : The statement indicates a base rent of {$2500.00}. However, according to our original lease agreement, the accurate base rent is {$4400.00}.

2. Late Charges : The statement includes {$100.00} in late charges, although I have never been late nor informed of any such fees.

3. Miscellaneous Charges : The statement lists various miscellaneous fees which I do not owe, including : - XXXX deposit waiver : {$13.00} - Pet rent : {$10.00} - Trash removal : {$20.00} - Keys and locks : {$25.00} - Cleaning : {$25.00} - Rent : {$530.00} 4. Additionally, your company has repeatedly adjusted the final statement to its convenience, failing to acknowledge that I, XXXX XXXX, left without owing any money and returned all keys, with utilities transferred upon my departure from the unit at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. Move-In/Out Dates : The final account statement shows incorrect move-in and move-out dates. My records indicate I moved in on XX/XX/XXXX, and moved out on XX/XX/XXXX. 

Due to these inaccuracies, I request the immediate removal of these items from my credit report, as they are false and do not align with our agreement. 

Attached are copies of all pertinent documents supporting my claims. I appreciate your prompt attention to this matter and look forward to a swift resolution. 



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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX and list of Inquiries.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, or personal loan

I first received and unsolicited check in the mail from a particular company and it stated the terms if I were to cash it. I cashed the check and made regular payments on that loan until it was paid off. I later went into the office to receive another loan on XX/XX/2018, and was making regular payments on that loan as well.

In XXXX I was experiencing financial difficulties and I sent them a letter detailing my situation as well as when I could start repaying my loan. I have been harassed to no end with phone calls to my job, my personal references, and my cell phone. On yesterday, they went one step further by making an unauthorized hard inquiry on my credit report.
Product: Mortgage

Account was transferred from XXXX XXXX to Shellpoint on XX/XX/24. SInce then we have not been able to get any clarity to why the account is showing XXXX payments behind. The XXXX trustee has been receiving and stating they send the payment on time. Each time we reach out to Shellpoint they state we need to speak with the XXXX departement. The XXXX department is not answering calls and each time we are transferred to the department it comes back with an error and we are unable to speak with anyone. We are trying to get a XXXX authorization form and nobody at Shellpoint seems to know how to get one. They keep stating speak with the XXXX department but the XXXX department does not make themselves available to speak with. Even the email we where given XXXX was an incorrect email.
Product: Checking or savings account

Today is XX/XX/2022. On XX/XX/2022 my wife & I successfully established links from our XXXX savings accounts at Capital One Bank to two external bank accounts at XXXX Bank, both being on-line banks. This included entering 2 trial deposit amounts that Capital-One placed in each of the XXXX XXXX XXXX  accounts XXXX Then from within the CapitalOne website, we each made transfers from each of the XXXX XXXX Banks to each of the two CapitalOne savings accounts. One transfer was less than $ XXXX and the other one around $ XXXX. On XX/XX/2022 we get emails from CapitalOne to inform us that due to " unusual activity '' they were restricting ( which turned out to be freezing ) each of our two accounts. I contacted them and they claimed that they had to put a hold on the transfers for 15 days. At this time, we can not withdraw anything, but can only deposit to the two CapitalOne savings accounts. I believe that this is unreasonable! We are not terrorists nor money launderers. Meanwhile, the amounts have been deducted from the XXXX savings accounts & transferred to the CapitalOne accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax experienced a massive data breach, which put over 143 million million people at risk for identity theft. 

According to Equifax 's records, I am one of those people. Hackers have my social security number, birthdate, address, etc., which they can use to destroy my credit and everything I have worked for. I 've known people who have had their identities stolen, and it 's taken them years to get their lives back. 

This should not have happened -- not to a company that 's in charge of incredibly sensitive information. 

Also, Equifax is offering me ID protection in exchange for an arbitration clause, which I believe is unethical.
Product: Checking or savings account

Hello, I reporting Bank of Americas unwillingness to refund a fee. I was assessed a $ XXXX  Monthly Maintenance Fee on XX/XX/24 due to the time timeframe of my banking billing cycle and employers direct deposit not having correlating schedules. After exhausting all levels of communication regarding this issue, no progress could be made on a resolution. Its was stated that because the fee wasnt a bank error that it could not be refunded. 

I took time to understand how the fee was assessed and make the appropriate actions to avoid future scenarios. It is very disappointing that the bank is willing to understand the customers perspective and uphold the value of their customers assets with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Over the course of the past year, I have been lent money from XXXX XXXX, which is an unlicensed lender in my state. I have been charged interest rates and other fees that are not legal in my state. I have overpaid my loan by over {$1000.00}. They are an usurious lender that is hiding behind the sovereignty of a tribal nation to avoid legal trouble, clearly.
Product: Student loan

On XX/XX/XXXX, I received the attached response ( see MOHELA In-School Deferment Waiver Response.pdf ) from MOHELA to XXXX complaint submitted through their online portal on XX/XX/XXXX. 

In my original complaint, I noted that " [ o ] XXXX XX/XX/XXXX, I requested a document to potentially waive future in-school deferments for when I might go back to graduate school so that payments during my enrollment would count towards XXXX. '' As I have not finalized my plans yet and still am waiting on admission to doctoral programs, I also stated in the same complaint " that I am only provided with the document at this time as I have not finalized my decision yet on whether I will or will not waive my in-school deferment. '' MOHELA eventually provided me with the form I would need to submit for a waiver on XX/XX/XXXX. I have not yet turned in the signed request because I still have not been accepted by doctoral programs and have not decided on my final plan. 

Despite this, MOHELA sent me the attached letter that states that my " XXXX XXXX XXXX form has been processed and approved. '' This information is false as I have not returned the waiver form that MOHELA provided me. There is no way a form I never submitted could have been " processed and approved. '' I am still awaiting admission to doctoral programs before deciding whether I will or will not submit the waiver. MOHELA is providing false information about my loans as they have never received the form. I wish for MOHELA to correct the record to indicate that, while they have provided me with a copy of the in-school deferment waiver form for my signature, they have not received a completed form yet, and as such, there is no way they could have approved my waiver request yet.
Product: Credit reporting or other personal consumer reports

Hello, I need to dispute the following inquiries below from my TRANSUNION report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I never heard of these companies in my life. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXXXXXX XXXX  ( Bank ) - XX/XX/year>XXXX XXXX XXXX ( Bank ) - XX/XX/year> XXXXXXXX XXXX XXXX  XXXX Bank ) - XX/XX/year> XXXX ( Finance ) - XX/XX/year>XXXX XXXX XXXX  ( Bank ) - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX 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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  / XXXX / {XXXX} XXXX XXXX Bankruptcy / XXXX/ {XXXX}
Product: Debt collection

I was applying for a refinance on my home in XX/XX/XXXX. During the process, I was alerted that a collection item for {$60.00} had shown up on my XXXX and XXXX credit report. The collection was tied to a agency named Transworld Systems and was apparently from a utility account with XXXX from XX/XX/XXXX. 

I am alleging that Transworld Systems did not provide me with notice prior to reporting it to the credit bureau. When i contacted them, they said they sent a letter on XX/XX/XXXX, but i never recieved it. Then they reported it exactly on XX/XX/XXXX without even giving me a phone call to alert me or ensuring I had recieved the written notice. 


XXXX has already deleted the information because it was inaccurate. However, Transworld is continuing to say it is verified and accurate to XXXX -- despite the fact that it is a disputed debt.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I need your help to fix this quickly and effectively.
Product: Checking or savings account

I've reported them to the BBB twice for their repeated & unwelcome solicitations. It stops for a few months then they go hire another illegal marketing firm to send more solicitations to nameless addresses to drum up business for their XXXX co.! They keep hiring illegal co. 's to buy my addresses & solicit me for accounts I have no interest in! I've done business with them in the past, they proved to not be worth it because their branch lines are slow, the terms aren't made clear on many things & complaints are not handled well. They just say " I'm sorry you feel that way '', that's all they know! I closed my accounts a year or more ago & refuse to have anything to do with them. Yet every so many months I keep getting their stupid solicitations that I didn't ask for nor did I give anyone permission to randomly use my address without my knowledge that includes the illegal marketing co. 's they & so many other XXXX business owners keep hiring! I received 2 of those begging solicitations onXX/XX/XXXX & XX/XX/XXXX. What part of leave me alone is just not clear to them?! They need to know the info they're purchasing was done without the knowledge of consumers! Chase is on every corner. If we want to do business with them then we know how to find them! Otherwise if we haven't opened up an account then that means we don't want to! Get the hint & leave us be! They are the ONLY bank offering consumers $ $ to open accounts on unreasonable terms! I don't know anyone that has the kind of $ $ to throw into a savings account that they are asking for! They're unrealistic & insane! If you have to pay people to open accounts what does that say about your business model? I've not seen any bank do this before. I'm a happy XXXX XXXX customer & intend to keep it that way! They've done right by me & don't send me unwelcome solicitations via email or any other way. XXXX is the only pesky bank out there bothering people & it's because they know they XXXX! So does their horrible CEO!