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

I applied for a XXXX Credit Card from Chase and never got a response. I waited for almost 2 months before reaching out to see what happened. They informed me over the phone that the application was denied. One of the reasons was due to my credit report. My husband works in banking and said that if they relied on any information in the credit report that they HAD to contact me with the reason for denial as part of the FCRA.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX, The Bank XXXX XXXX Visa XXXX, The Bank Of XXXX XXXX XXXX, XXXX XXXX XXXX 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 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: Checking or savings account

I recently opened an IRA account and was transparent with the representative that I am facing a financial hardship and need to access my funds as soon as administratively possible. I was instructed to open an IRA savings account. After opening the account, I noticed on XXXX that the funds were available in my account, but I was unable to complete any transactions via the online portal. I was later informed that the funds were on hold until XX/XX/XXXX, despite not receiving any communication to that effect. 

On XX/XX/XXXX, I called to see if I could complete a transfer and was informed that, due to company policy, I can not withdraw funds for 60 days. This policy was described as coming from the " heads, '' " heads of heads, '' and " heads of deposits. '' However, I was given no explanation for why this policy exists at Discover, nor was I provided with any documentation or supporting evidence about it. I explained to the representative that I was not aware of this policy and had not been informed of it when I opened the account.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality underXX/XX/XXXX 

Convergent Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXX/XX/XXXXXXXX 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. 

XXXX XXXX. XXXXXX/XX/XXXX 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: Debt collection

I received a letter from Radius Global Solutions LLC trying to collect an alleged debt that I do not owe. Attached is a copy of a letter that I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that Experian added a new address to my credit report. 
I spoke with Services at XXXX XXXX and they said I had to contact Experian. 
I called Experian services and they said XXXX added the address. 
I then closed my XXXX account but the address remained. 
I logged into my account that was supposedly free because of a data breach and they gave me a membership. 
I created a dispute but it said that address change could not be done online. I called the number listed and tried to get through to anyone but the autobot politely hung up on me. 
Now there is an address listed that is not mine and there is nothing i can do but buy a higher membership. I will not pay someone extortion money! 
This is outright EXTORTION!!!!!
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or 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: Credit card or prepaid card

By letter dated XX/XX/XXXX Wells Fargo Bank requested additional information regarding my credit card application because they were purportedly unable to confirm my identity. I am a US citizen with a real ID drivers license and a passport. I have lived at the same address for 35 years in Maine. I called the indicated phone number XXXX and the bank employee told me to mail in a copy of 1 ) my photo ID drivers license, 2 ) copy of a current electricity bill showing my name and address and 3 ) copy of a current water utility bill showing my name and address. I sent these copies by US mail on XX/XX/XXXX to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX IA XXXX. By letter dated XX/XX/XXXX Wells Fargo indicated they had received my request to reevaluate my credit card application but denied the request because my " identity can't be verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and XXXX XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$2400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I reviewed my contract and found many violations under 15 USC in it. On XX/XX/2022, I sent notarized and certified mail to TitleMax Legal Department and requested a Cease and Desist, and Debt Validation which included for them to provide the following : 1. Agreement that grants them the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims made by any creditor regarding this account. 4. Name on the file for the alleged debtor. 5. Amount of alleged debt became payable. 6.Complete accounting o alleged debt. 7.Trail audit of the debt. 8. XXXX out the balance and close the account. 9. Return my title lien free and clear back to me. 10. As well as the name and address of the bonding agent. They responded on XX/XX/2022, with a copy of the contract that I already have as well as previous ones. They did not show proof of any of the above nor how they investigated the debt nor did they show proof of the investigation. I couldn't access the online portal so I went into the store, the manager, XXXX, she stated the account was closed, they couldn't contact me called the XXXX  or XXXX, XXXX and he stated he'd request corporate call within XXXX. I couldn't access the portal nor would accept a payment in the store. I didn't receive a call until XX/XX/2022. XXXX from corporate asked for me, told me where she was calling from and that the line was being recorded. I asked her to hold and stated that my line was being recorded as well. XXXX stated she could no longer speak with me on while I'm recording and she hung up. Around XXXX on XX/XX/2022, I called the local office and spoke with the XXXX, XXXX XXXX She just read what was in the notes, stated I will be up for repo soon and she read the statement XXXX made about me recording her.
Product: Debt collection

I was paying for a total of XXXX season passes for my family. One day, my daughter used my pass instead of hers. At XXXX XXXX my card was given back after realizing the resemblance and the issue was correct after noticing the obvious mistake. However, my card was blocked and I was not allowed back in the park the next time I tried to use it with my family. We never successfully completed this and agreed to part ways without further payment. I also agreed again with this company to pay another account for season pass and this one would be removed which it has not as agreed.
Product: Credit card or prepaid card

My Apple credit card and savings account were locked and restricted by Goldman Sachs on XX/XX/2023. I have called numerous times to try to resolve the issue and each person I talk to only tells me that my account is under review and that someone would be reaching out to me to verify my information. It has been well over a week since this issue began and I have not been given an update and I have no access to my accounts and can not withdraw from my own savings. Customer service is less than helpful and my account is seemingly locked for no reason.
Product: Debt collection

Non stop calls asking for XXXX XXXX, ( who is deceased ). Saying if you are XXXX XXXX, stay on the line, if not hang up. 
I hang up, because I am not XXXX XXXX, but the calls continue. 
I stayed on the line, hoping to talk to someone, but never get an answer.
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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting

On XXXX XXXX Transunion removed XXXX inquiries from my credit report. I received alerts from numerous sites which I use to track my credit progress. About a week later they added the inquiries again. I called regarding the unlawful reinserting of deleted information and after being placed on hold for 2 HOURS they tell me they are only removing XXXX inquiry. I have called 3 times with no help. These are the companies and inquiry dates that they removed and then added back added back XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. 

I attached the report where they removed the inquiries on XXXX/XXXX/XXXX and if needed I can show the report from when they added it which was XXXX/XXXX/XXXX.
Product: Mortgage

We closed on our house sell in XXXX and haven't received our escrow balance back. Ive tried to call but because the loan is in the new owners name now they wouldn't tell me anything. They made me send a fax in for information but i still haven't gotten anything back.
Product: Debt collection

On Friday, XX/XX/2015. I received a phone call at my place of employment from an extremely rude gentleman from NE Processing. He told me he needed to get " my defense statement '' because my file was going further, whatever that means. I told him I was at work and he could not call me there. I hung up. He then called my cell phone and my home phone leaving the same threatening message about a " substantial lawsuit against me ''. I have no idea what this is for. It sounds like a scam to me. He never explained what he was collecting for. He just threatened me with a lawsuit and criminal charges.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. XXXX XXXX has also stated that the said account ( Department XXXX XXXX XXXX was deleted from my credit report but, it is still on there. I then tried to dispute it again and they say the information was verified as accurate but, provided no evidence to support that outcome.
Product: Credit reporting or other personal consumer reports

Im interested in my report being sent out today to Experian along with my dispute letter. The reason being is because I have been a victim of identity theft. Someone was able to get access to my information & to get a home in my name without any permission being given. Im requesting an updated report mailed to me & one showing the item being removed.
Product: Credit card or prepaid card

On XX/XX/XXXX, two unauthorized charges were made to our Chase XXXX XXXX credit card. One was for {$410.00} to XXXX XXXX XXXX ( restaurant we have never heard of ) and one was for {$600.00} to XXXX XXXX. Chase contacted us about these charges and we confirmed that they were unauthorized by us. I sent a letter both to Chase about the fraudulent charge and to XXXX requesting information ( by certified mail -- I never received a reply ). We both tried to speak to someone at XXXX. It was difficult to get any live person on the phone or get transferred to the correct department, and the employees seemed reluctant to give any help or information. Finally with the help of a Chase fraud dept employee on a two way call, we were able to get the information from XXXX that the charge was made online, in my husband 's name, between XXXX and XXXX, ticket # XXXX, and no one showed up to use the ticket. We tried to get XXXX to call it " invalid billing '' and/or give a merchant credit, but they would not. I also filed a report on identitytheft.gov and followed all the recommended steps on their website. In XXXX Chase ruled that the XXXX XXXX charge was not a billing error. I ( probably mistakenly ) did pay the charge included in our balance that month, as we try to pay our credit card bill in full each month so there is no interest charge. I re-disputed the charge, and we have just received ( XX/XX/XXXX ) a letter from Chase saying that this is not a billing error. We did not make this purchase! We believed that the credit card company would protect us against fraudulent charges, and I want to know who can advocate for us to ensure that Chase honors this. We have charged thousands of dollars on this card over the several years we have had it, with never a late payment -- surely they can treat us as loyal, respected customers. I don't know why one of the two fraudulent charges was reversed, and not the other. If they will not cover this amount we will close our account and have no future dealings with their company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain items listed on my credit report. Upon review, I have identified information that appears to be unverifiable, invalid, or inaccurate. These discrepancies are concerning and have caused unnecessary distress.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to ensure that all information reported is 100 % accurate and fully verifiable. I am requesting an immediate investigation into the disputed items to confirm their validity and accuracy.

Attached, you will find copies of letters and supporting documents for your reference. I request that you promptly remove or update the inaccurate entries in accordance with federal regulations. Please provide written confirmation of the actions taken and an updated copy of my credit report once the investigation is complete.

Thank you for your attention to this matter. I look forward to your response within the time frame allowed by law.
Product: Student loan

On XX/XX/XXXX Fed Loan Servicing transferred my Student Loan to a nw loan service provider ; consequently, they did so the day before my ACH pmt was set to debit my account. I have called Fed Loan as they deducted the money and never applied the XX/XX/XXXX pmt to my account balance prior to transfer. Pmt amount was {$140.00}, balance was {$23000.00} according to XXXX statement and credit reporting. XXXX the new service provider now has my account set up with a 27 past due delinquent status ; furthermore, will be taking a double pmt on XX/XX/XXXX. Fed loan had advised my money can sit in a pending transfer account for 60 days. I need fed loan to update the XXXX balance to reflect the pmt. {$23000.00} less {$140.00} XX/XX/XXXX pmt. I also would like interest daily for the error they should have foreseen.
Product: Checking or savings account

I have tried to call Robinhood and email them. No one answers. I want my account close and my money returned to me. It is confounding, but you can not close your account using their systems and you cant call or get a resolution via email. They ignore you