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

I have an XXXX account, with a card provided by Webster Bank. I have recently tried to use the card and run into issues with it being denied. Today I tried again and finally rang up my healthcare provider who eventually passed me on to the card provider. 

I was informed that because I hadn't used the card, it had been cancelled. But I couldn't use the card BECAUSE it had been cancelled. 

This is a chicken/egg scenario and I suspect the bank cancelled card to prevent me spending the funds in that account. ( Just to be clear there is more than enough money saved in my XXXX to pay recent bills! ) Is this a policy, cancel cards, prevent customers from spending their savings? I suspect so. This should be investigated.
Product: Credit card or prepaid card

So the end of XXXX I was notified of a large charge added to my credit report and I looked into it to find out XXXX dollar was used on a gaming system I did not make. I called Chase put a claim in they removed the fraud charges. 30 days later they readded charges said it was valid because public records shows im married to the person who used it. I have never been married ever! I Called them immediately on XX/XX/XXXX and argued that I have never been married they said because I knew who used it I was held liable. I stated thats not fair i did not give them permission knowing them or not and appealed it. Chase refused to help so I investigated myself. I reached out to the person who used my card they told XXXX they didn't have permission and XXXX has taken all services paid for with my card and suspended the account yet chase is still charging me for services that are not even available and claim I benefited which I have not. I will not pay for services I didn't buy and now I can't use. They will not help me at all ive emailed fraud many times as well. My credit score I worked hard on keeps taking hits due to this. Chase has been horrible so I'm supposed to pay for services I don't have nor did I authorize? XXXX even seen that and took all services away and banned the account so anything bought off my card is gone and not usable. I have nothing the XXXX dollars paid for and i didnt do yet im supposed to pay not ok. I'm XXXX, I've never had a worse experience with any place. I have 8 credit cards and I've never had an issue and always had excellent credit. Chase is unfair and it's not even about it being fraudulent its now no services were rendered or can be used yet I have to pay no that's theft. Please help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : States a consumer reporting agency can not furnish the account without my written instructions.

15 USD 1681 section c. ( a ) ( 5 ) : 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: Credit reporting or other personal consumer reports

Greetings. 
For several months now, I have disputed several accounts that should not be on my consumer report. Some were deleted due to furnishers removing them because they were breaking the law, while Experian kept sending negative responses, despite my repeated attempts. Every response is archived in my CFPB portal and I also have several physical mail responses documented. 
I now seek remedy for all the damages incurred with credit denials and insanely high interest rates in credit cards. 
Attached below is - An affidavit of truth, pre-arbitration letter, arbitration letter and invoice for the bill of particulars. Tragic it had to come to this.
Product: Mortgage

I have been submitting information to Chase since XXXX of XXXX. I sought out a HUD approved counseling agency to seek assistance. My XXXX has complied with all the information that has been requested. The customer relationship XXXX XXXX XXXX has reached out to me on only one occasion. To date I have not heard from her in regards to the status of my file. They have asked for the same information multiple times. My wife has developed one new XXXX on her brains. She has been sick for the last couple of years and only collect social security. This has caused an incredible amount of stress on us. I am just looking for some resolve on this issue. I do n't feel Chase has done their due diligence in reviewing my file properly. I spoke with them today. They asked for the same information over again. They requested a XXXX back in XXXX which was provided to get a YTD on my income since it varies. My XXXX submitted the information more than a month ago. They are now asking for a LOE for the payment frequency on my job. This could have been requested a long time ago. Now other documents have expired that were sent in previously. Please help my family. Thank you kindly for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received and alert from Experian Direct stating that there have been changes to my credit report. While reviewing my report I noticed what appears to be a prepaid credit card open on my credit report with XXXX XXXX XXXX  XXXX This is fraud as I have not applied for or open any new accounts nor have I ever heard of this company. I called the XXXX listed on my credit report for this company and when I am able to get someone on the phone they immediately hang up once I say this is fraud.
Product: Debt collection

On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact.
Product: Debt collection

Notified of this collection XXXX of 2023. Since then disputed with all credit bureaus, filed police report and obtained notarized ID affidavit. XXXX  account was then locked/frozen. All credit bureaus have a fraud alert on my account prior to this collections. All reports and information was sent back to the collections agency as they requested that information. I am still receiving mail from them saying I owe them the debt that is not mine, however it was removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help with Equifax, XXXX, XXXX  that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. XXXX1. Bankruptcy : Discharged CH-XXXX Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX   XXXX : XXXX.

2.XXXX XXXX Equifax : XXXX XXXX : XXXX   XXXX : XXXX.

3.XXXX XXXX Equifax : XXXX  XXXX : XXXX.

4.XXXX XXXX XXXX XXXX  : XXXX 5.Bankruptcy : Discharged CH-XXXX   Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX XXXX : XXXX.
Product: Vehicle loan or lease

I purchased a car in XX/XX/XXXX from XXXX for {$21000.00}, {$4000.00} down payment whereas on paperwork it states {$400.00}. I made 71 payments totaling {$35000.00} with maturity date being XX/XX/XXXX. I went over account summary and every payment went towards interest and not principle. Santander insist I still owe {$12000.00} after paying on this car for the last five years. I feel discriminated because there is no way I should have to pay {$50000.00} for a {$21000.00} car. I started making 2 payments per month since XXXX and still owe {$12000.00}. This isn't fair to hard working single people. please help me with this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : FST XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX FST XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX CTR Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$30.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX XXXX ADJUST Account # : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX/XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX FIN Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

toyota rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " CREDIT ACCEPTANCE '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " XXXX  XXXX XXXX  '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I mailed a letter requesting verification of inaccurate accounts showing on my credit report. I never received a response so I mailed another letter on XX/XX/2020. I still haven't received a response and in the inaccurate unverified accounts still show on my credit report.
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX is continuously reporting inaccurate, unverified and mismatched data across all XXXX of my consumer credit reports. In this latest example as you can see in the attached documentation, they are reporting the date of last activity on my XXXX report as XX/XX/XXXX. My Transunion report with a date of last activity as XX/XX/XXXX, and my XXXX report with a date of last activity as XX/XX/XXXX. If the information was accurate, why is it reporting XXXX different dates to include a date just a few days ago? 

Date of last activity can only be changed or updated for the following reasons. XXXX. The consumer makes a payment. XXXX. The consumer misses a payment. XXXX. The balance of the account INCREASES. NONE of which occurred on this alleged " CHARGE OFF ACCOUNT '' that they are reporting as a " '' COLLECTION ACCOUNT ''. The company failed and continues to fail and adhere to following the guidelines, standards and laws when it comes to the FCRA and XXXX Laws pertaining to debt collections and reporting. See the attached documentation showing the inaccurate, mismatched, and different information across all three credit bureaus.
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 XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, 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.

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

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
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 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting 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 reports any of the following items of information other than records of convictions of crimes which antedates the reports 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 persons knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH GREAT LAKES # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by Great lakes but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to Great Lakes and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) GREAT LAKES Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan 3 ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX
Product: Debt collection

Best Buy Card has not provided enough information about a debt I owe and says it will " charge off '' the account. I already closed this account with no other issues.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Mortgage

I contacted Lakeview Loan Servicing LLC to add an insurance policy from XXXX to be paid through my Escrow account. I originally was told to have the insurance company bill my Mortgage company and I received no update. I was then told to upload my insurance documents, which I did and still received no response from Lakeview. 

I contacted Lakeview today XX/XX/2020 at XXXX am and spoke with someone by the name of XXXX in the Escrow department, he said I reached the wrong department and that I need to speak with the Insurance department. I was transferred to the Insurance department and spoke to XXXX, who told me I reached the wrong department and needed to speak with the escrow department. I told her the escrow department told me I needed to speak with insurance. She stated my account type needed to be changed from non-escrow to an escrow account for the insurance payments to be made. My escrow balance is {$1000.00} and my insurance policy is {$530.00}. 

XXXX then transferred me back to the escrow department and provided me with phone number XXXX. After waiting over XXXX mins I was hung up on. 

I need to simply change my escrow account from non-escrow to escrow account and to have my insurance premium made from escrow that is suppose to cover my taxes and insurance.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX Schools
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while temporarily lifting a security freeze, I encountered a possible security risk at Equifax. Since 2019 the company no longer uses a pin number to protect security freezes. Rather, they simply ask a few questions to verify someone's identity before lifting a freeze. But unlike a personal pin number, which only the credit bureau itself and the person named on the credit report has, anyone with access to the credit report can easily answer Equifax 's questions. 

This is of particular concern because of the threat posed by malicious insiders employed at various financial services organizations who may come into contact with the credit report. Equifax does not offer consumers the extra option of protecting the security freeze with a personal password ; I asked to use a password but was informed they couldn't do it. 

https : //www.upguard.com/blog/insider-threat