23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My credit card was fraudulently used for 3 transactions. After filing a dispute with capital one they made me repay the money and terminated my account. When speaking to a representative they told me the fraud happened because I didnt lock my card
Product: Student loan

I am participating in the Public Service Loan Forgiveness Program. I have reached the end of the required time, however XXXX XXXX  ( which manages the program ) has been " dragging their feet '' and mis-processing forms. For over 90 days now I have been attempting to formally communicate with them regarding the numerous " zero months credited '' for my employers that clearly qualify. Prior to them being accepted ( but incorrectly counted as " zero '' ) I had to resubmit them three times - each time for a different XXXX reason that was always a mistake on _their_ end, not mine or my employer 's. 

Unfortunately, mortgage companies now take into account student loan debt - even if it is on the verge of being forgiven, and even if no payments are due ( as is normally the case for any government employee repaying student loans ... ) The delay with PSLF and XXXX has resulted in me missing several windows to refinance my home.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit report. The following account is being inaccurately reported and must be removed under the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : DEPTEDNELNET Account Number : XXXX Status : Closed ( Paid or Paying as Agreed ) Balance : {$0.00} Last Payment Date : XX/XX/XXXX Comments : Dispute resolved; customer disagrees This account contains inaccurate information and does not meet the requirements for reporting under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, if an account can not be fully verified as accurate and timely, it must be removed from my report.

Additionally, the dispute comments currently associated with this account ( Dispute resolved ; customer disagrees ) indicate that this account was previously disputed. Under the CFPBs guidance on Regulation V, accounts with unresolved disputes should either be properly reinvestigated or removed if the furnisher can not verify accuracy. If this furnisher has not provided independent verification of this account, it must be deleted immediately.

I am requesting the following action : 1. Permanent deletion of this account from my credit report due to lack of proper verification and potential inaccuracies.

2. A written response confirming the results of this investigation.

Under federal law, you have 30 days to investigate and respond. Failure to comply with this request may result in legal action for willful or negligent non-compliance under 15 U.S.C. 1681n & 1681o. 

I have attached a copy of my ID and proof of address for verification purposes. Please forward all correspondence to the address listed above. 

Sincerely, [ Your Name ] [ Your Contact Information ] Next Steps : Send via certified mail to TransUnion ( or other credit bureaus if applicable ). 
Keep all records of communication. 
If they do not remove it, escalate the dispute by filing a complaint with the CFPB. 

Let me know if you need further modifications!
Product: Credit card or prepaid card

Dear CFPB team member, I have unresolved dispute issue with Chase. 
I applied for Chase XXXX rewards premier credit card on XXXX and was instantly approved. I waited for ten days and said credit card never arrived. On the XXXX of XXXX, I logged into chase.com and saw two unauthorized transactions on the card. I realized the card was in someone else 's possession and immediately called Chase Fraud Department. 
The two fraudulent transactions happened on the XXXX and XXXX of XXXX in XXXX XXXX XXXX str in the amount of {$1000.00} and {$1000.00}, respectively. 
A specialist in Chase Fraud Department told me that I wouldn't be liable for unauthorized charges and had these two pending transactions declined. The account was closed and I was issued a new card with a new account number. In 4 days, I could see these two transactions fell off of transaction list and completely removed from XXXX billing statement. 
Everything seemed to work out until XXXX. XXXX when those two fraudulent charges got posted to XXXX billing statement. I called Chase and asked why I was getting re-billed for these two once-removed unauthorized transactions. All they wanted was some document/receipt from XXXX XXXX store, where I have never been to in my life, to prove my alibi. I provided them all the documents I could gather and they still didn't think it was enough. They wanted me to prove a negative. 
I live in XXXX, NJ. The only places I've been to recently are XXXX XXXX and XXXX. Because of Coronavirus and stay-at-home order, I barely got out and drove in XXXX through XXXX, let alone drive across to the other side of New Jersey. 
It is possible that USPS might have delivered my newly approved credit card to a neighbor of mine, which i have no knowledge of. Apparently it fell into the hands of someone who really knows how to take advantage of a stolen credit card.

Right now, Chase is holding me responsible for these fraudulent charges. I was upset because I anxiously waited for the new card to arrive everyday for 10 days when Chase wouldn't even offer me a tracking number of the card delivery. And when USPS messed up my delivery, I am the one who has to bear responsibility now. 
I will attach some pictures to help better explain the situation. I have been a loyal customer of Chase for more than 20 years. My credit score is 800+ for more than 10 years. I have a Chase better checking account with more than 80k dollars in it. I can't believe this is the way how Chase is treating its customers. 

Best regards, XXXX
Product: Credit reporting 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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

This company continues to send me robots calls and text messages saying they are synchrony bank and I have a debt with ashley furniture. There's nothing in my. Credit report and I've never been there. It's frustrating because they call multiple times a day, and I feel like that's violating my rights. They have been doing this for a couple mo these and its progressing to 3x a day. I can provide the text messages and further calls from my previous phone if needed.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove the unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX/XXXX/XXXX my id is attached please verify my signature
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputed regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandated a reasonable investigation of disputed. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Select Portfolio Servicing, Inc. ( SPS ) has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX XXXX XXXX Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX  10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # 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 an 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 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: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

someone posted a fake XXXX XXXX number and i gave them personal information and debt card number and will charge my account at XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I advised Equifax that I am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my EQUIFAX credit report, copy attached, I noticed a potential violation of my right to privacy through unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me. 

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; EQUIFAX is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Accordingly, EQUIFAX has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), EQUIFAX may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. 

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately. 

See attached EQUIFAX Credit Report dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, notice is given to EQUIFAX, I, the consumer in fact, rescind and revoke any prior written, verbal or electronic authorization that I may have granted and hereby effective immediately, XXXX XXXX XXXX XXXX XXXX my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).
Product: Credit card or prepaid card

Made 3 separate purchases in XX/XX/2019, totaling ~ $XXXX.  Never received a statement to my home or email.  I received an alert from XXXX XXXX on XX/XX/19 that my credit score dropped by 124 points.  I went through XXXX   XXXX to determine the potential issue as I was stunned by the news (my credit was great previously and has been).  I found a note that said 60 day collection Best Buy.  I logged into my Best Buy account and was surprised to see charges stemming from XXXX  when late fees of $XXXX/month + interest $XXXX.  I called immediately and told them I was surprised by all of this as I have not received any statements to my email or to my home indicating there was a balance or any late fees.  They told me they emailed me but it could have gone to a junk folder.  This is not acceptable.  The $XXXX is meaningless to me in terms of dollar amount and could have been easily paid.  This is a predatory action that is ridiculous as I cancelled the card while on the phone.
Product: Credit reporting or other personal consumer reports

I have unknown sources on my consumer report that needs to deleted immediately as it is inaccurate and incomplete reporting. 

I retain all rights pursuant to my consumer protections per the Fair Credit Reporting Act to have an accurate report. 

The following inaccurate information is : Hard Inquiry XXXXXXXX XXXX XXXX TransUnion XX/XX/year> Also, I have not been able to get my updated consumer report for TransUnion through Annual Credit Report. Please see my attachment and correct this immediately. 

TransUnion has not updated my address after many months of sending my correct address. 

My address must be corrected as : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Mississippi XXXX I have a right to privacy in my persons, papers, home, family and property.
Product: Credit card or prepaid card

Fraud transactions for XX/XX/2019, tried to report it on their website to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for 10 years, stole my identity during her stay. She made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess she created, but her actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as she is currently untraceable.

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Equifax, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize these accounts or inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of her fraudulent activities. These accounts/inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ), along with several FTC Affidavits previously submitted to Equifax, as evidence from the U.S. Federal Trade Commission confirming that these accounts/inquiries are a result of identity theft and fraud.
Product: Checking or savings account

I solicited the service of a company that advertised to provide an online trading platform for Stocks and Commodities. After using this merchant 's platform for well over a year it came to my attention that this merchant is not licensed to trade in these regulated financial markets and that the " trading '' platform I was using was a manipulated trading platform with no connection to any of the financial markets that the merchant had advertised to provide access. Furthermore because the merchant is not licensed and regulated means he can not provide a segregated trading account for trading, so, when my card was charged the money went directly into the merchants private bank account and not a segregated brokerage account. 

I requested my bank raise a chargeback for " Service not as described '' and my bank has refused to assist even though I have shown my bank on various occasions that my situation is explicit within MasterCard 's chargeback guidelines. 

The bank has informed me that because the charges are older than 120 days that they do not have chargeback rights. I told the bank that the service provide was ongoing and that I only cancelled my service on XX/XX/2018 and that according to MC the 120 begins from the last date of expected service. All of this is attached.
Product: Consumer Loan

An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped