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

On XXXX I was denied an account with PNC BANK for no apparent reason. The failure of the PNC BANK to allow us to open an account violates the 14 th Amendment s Equal Protection Clause. The BANK has always been XXXX and biased against XXXX
Product: Student loan

We took out a private student loan for my son XX/XX/XXXX with a variable interest rate, the loan amount was for XXXX, they charges us 13.586 % interest on the loan while he was in school and doing his XXXX so he started paying on the loan XX/XX/XXXX. At this time the loan is at 7.25 % and the new balance is XXXX, I have been on the phone for days trying to get information on this loan so we can try and redo it through the company that owns it and lock in the interest rate. I was told American Education Services owns it who told me National Collegiate trust owns it who told me AES owns it, regardless everyone at every company I talked to have said they can do nothing with the loan we are just stuck with it and when he pays it off he will be paying a total of XXXX. We were in a position where I got sick and had XXXX XXXX and needed to get him through school and did what I thought was necessary at the time to get him the funding to finish, not realizing no one would work with us and this could not be rewritten. We do not want the loan forgiven we just want a reasonable interest rate, and no one will work with us.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Dear XXXX, XXXX, and Equifax Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, ME XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}
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 : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against  XXXX  Credit Bureau and Equifax Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices.     I have disputed the following accounts to no avai l : 1.   XXXX   XXXX  - Account Number :  XXXX  ....   The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed,  XXXX  and Equifax allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account,   XXXX   and Equifax entered the dispute as being a " Not My Account '' dispute and then came back saying it was " verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly.   Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking   XXXX   to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised.     2.   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....   This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent  XXXX  and Equifax documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor "  XXXX    XXXX   '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that  XXXX  and Equifax continue to say was " verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now  XXXX  simply updated it and change the balance to  XXXX .     XXXX   and Equifax needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf.   This derogatory account is supposed to be completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that Nelnet updated the account to reflect a past due that was XXXX they updated to XXXX past due. Nelnet has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been XXXX  years since they have owned the account and the reporting has not been correct and the disputes are not corrected
Product: Credit card

I was receiving XXXX mails from the company about a card being sent out .I never ever contacted the bank for a credit card so I called them to let them know it was fraud,
Product: Checking or savings account

Region Bank fail to provide full and clear evidence disclosing the transaction details of the determination upon the claims apart of the dispute notice. XXXX XXXX  provided transaction details that didn't carry out full procedure of properly handling an investigation in accordance to The Electronic Fund Transfer Act of the notice of error of the dispute. 

1. Violation of the Electronic Funds Transfer Act, Regulation E ( 12 C.F.R. 205 ), Unauthorized Transactions 2. Violation of the Electronic Funds Transfer Act, Regulation E ( 12 C.F.R. 205 ), Explanation of Findings Bank is also in violation for breach of contract for selling consumer banking transactions to third parties.
Product: Debt collection

The debt is on my credit. I have no knowledge of it. I would like for these items to be remove from my credit report. 


conserve-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $
Product: Debt collection

Midland Funding, LLC is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with XXXX nor a mastercard with XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute online when I logged into https : //usa.experian.com/login on XXXX and I included supporting documents for the dispute. The same day, I received an email from Experian that indicated that the dispute is opened. On XX/XX/XXXX, I received an email from Experian that indicated that they have made progress and will update me when the results are available. Later on that day, I received an email from Experian that the dispute is complete. When I logged in to see the results, It showed that Bounce AI remains and no updates were made. I contacted XXXX, who is part of the Experian, and he indicated that even though I initiated the dispute when I logged into https : //usa.experian.com/login with the uploads Experian doesn't see the uploaded documents. He proceeded with starting a new dispute while I was on the phone and told me to go to experian.com/upload and upload the documents related to the new dispute that he created for me which I did, and I received a message from Experian saying that the document load was successful. On XX/XX/year> I received an email from Experian that the dispute was complete and it said the same message when I logged in : Bounce AI remains and no updates were made.When I contacted Experian by phone toady ( XXXX ) and spoke with a rep named XXXX, she indicated that uploaded documents takes XXXX hours to show in their system but the docs were uploaded and available so why would Experian submit the dispute to Bounce AI without the supporting documents. She suggested that I submit the dispute again for the XXXX time which is at this point ridiculous. I received an email from Experian that indicated that a XXXX dispute for the same company has been initiated but I doubt it that Experian actually submitted the supporting documents that were available to them since last week.
Product: Mortgage

US BANK, As Trustee, Successor in Interest to XXXX Bank, NA, as Trustee For XXXX Mortgage Trust XXXX XXXX XXXX, MN XXXX XX/XX/2016 QUALIFIED WRITTEN REQUEST XXXX : Acct # XXXX / XXXX To Whom It May Concern : This request for information is submitted pursuant to Regulation X XXXX under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( XXXX ). 

We have received correspondence indicating that a certain XXXX was consulted and named as a " Foreclosure XXXX '' representing US Bank, As Trustee etc. in a foreclosure matter in New York. Please provide the following information within the time frame pursuant to applicable regulations : 1. Is XXXX an employee of US Bank XXXX XXXX? 
2. If so, How long has she worked there? 
3. What is her official title? 
4. What is her job description? 
5. What training is required for her title designation? 
6. Provide the name of the department or division she works in. 
7. Provide the name of the department or division head. 
8. Is XXXX XXXX authorized US Bank to participate in a foreclosure action? 

Thank you for your cooperation and timely response. 


Yours truly, XXXX Cc : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an Account Protection Plus that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by Account Protection Plus. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the XXXX credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) XXXX verified and noted that with respect to XXXX XXXX  Account # XXXXthe Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an XXXX  Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an XXXX Date of Status XX/XX/XXXX. Capital One has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to Capitol One falsely fraudulently claimed that it was Charged off by Capital One effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by XXXX. 
CAPITAL ONE BANK USA N {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

I am filing this complaint due to an unresolved billing dispute with JPMorgan Chase Bank , N.A . ( " Chase '' ), regarding credit card charges totaling {$6100.00} for services contracted with XXXX XXXX XXXX that were never rendered. The charges were posted to my account on XX/XX/2023, for two separate contracts with the said merchant. Despite numerous attempts to resolve this through Chase 's dispute resolution process, the charges were inappropriately rebilled, and my dispute was denied without proper justification. 

The timeline of key events is as follows : XX/XX/2023 : Charges for services appeared on my credit card statement. 
XX/XX/2023 : XXXX XXXX XXXX announced a shutdown of operations. 
XX/XX/2023 : I reported the dispute to Chase, initiating an investigation. 
XX/XX/2023 : I submitted all supporting documentation to Chase 's online portal. 
XX/XX/2023 : Chase rebilled the charges without notifying me or providing a satisfactory explanation. 
XX/XX/2023 : I sent a follow-up letter to Chase, requesting the removal of the rebilled charges and reiterating my dispute. 
XX/XX/XXXX & XX/XX/2023 : Received two letters from Chase indicating the dispute was resolved in the merchant 's favor. 
XX/XX/2023 : I received a notification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX about XXXX XXXX XXXX XXXX XXXX filing under XXXX XXXX 

Chase 's response claimed that I either received the services or the merchant made them available for my use. However, I have provided ample evidence, including contracts and the merchant 's bankruptcy filing, to demonstrate that the services could not have been provided. Furthermore, the documentation from the merchant 's acquirer used by Chase to validate the charge was inaccurate and incomplete, failing to address all the charges in question and containing duplicated pages. 

Despite my evidence and the merchant 's confirmed bankruptcy, Chase 's investigation concluded without recognizing these facts, leading to the unjust rebilling of charges for services that can not possibly be delivered. This conclusion appears to be arbitrary and without substantial evidence, thus not in accordance with the Fair Credit Billing Act. 

I seek intervention to ensure a fair and thorough investigation is conducted and to obtain a refund of the full amount in dispute, as the services paid for will never be rendered due to the merchant 's insolvency.
Product: Credit card

I have been in contact with Discover several times over the last few months. A agreement to settle the balance was made and subsequently the payments have been made for XXXX of the 36 month of payments. After several unsuccessful discussions they advised that they would report the balance owed, monthly payment history, date of the last payment. 
The balance due would show the remaining 13 months of payments which is currently reflecting the higher balance to which the settlement was agreed upon. The amount should be aproximately {$3800.00}. The discussion and agreement with Discover is that the payment plan would be done in good faith. Their lack of action is being done with intent to harm me and cause me difficulties moving forward. While I was relieved that Discover agreed to make the change they have not provided this update to the creditor. 
I have also contacted Discover in a attempt to determine if a option of a lump sum payment could be agreed upon in XXXX. This has been ignored and to my surprise they have not taken the opportunity to respond and honestly deal with me as a consumer. My health has been very bad and have been given a one time opportunity to pay the amount if Discover would provide a discount for lump sum payment. I will need 60 days to get the funding and if agreeable will request that the company please provide me a letter with the amount they will settle all claims.