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

I make a dispute threw the online Bank name Dave banking was on XX/XX/2023 after 10 day I received email say the investigation was completed and the found return to my account but my account still say suspended I can't have access to my found I send over 30 email and request never here back from them I can't even get hold on someone over the phone I try everything I could to get my money but unfortunately is no answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Severe Negative Impact on Credit Score due to Federal Student Loans I am writing to file a formal complaint regarding a significant issue that has severely impacted my credit score due to federal student loans. I believe that this situation is unjust and requires immediate attention to rectify the damage caused to my credit profile. 
Federal student loans, managed by authorized student loan service providers selected by the federal government, should not negatively affect credit scores. However, since the disbursement of my first federal student loans by the Department of Education-selected student loan service provider XXXX XXXX XXXX XXXX XXXX " XXXX '' ), followed by Department of Education-selected student loan service provider Aidvantage, my credit score has plummeted by over XXXX points. This decline in my credit score not only undermines my financial stability and ability to navigate in this country but also hampers my prospects for obtaining non-governmental federal loans at low interest rates which represent my previously long held excellent credit score critical to my financial well-being, security and furthering my education. 
The service loan providers involved in this matter are as follows : Service Loan Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Service Loan Provider : DEPT OF ED/AIDVANTAGE Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX I understand that federal student loans are meant to support students ' education and financial well-being. However, the unintended consequence of negatively impacting my credit score severely undermines the purpose of these loans and puts undue financial stress on individuals like me. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action to rectify the damage done to my credit score due to federal student loans. It is essential that corrective measures are taken to prevent this issue from affecting other individuals who rely on federal student loans to pursue higher education. 

I appreciate your attention to this matter and your dedication to consumer protection. Please keep me informed about the progress of this complaint and any actions taken to address the issue. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Designed XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THE ACCOUNT BEING OPENED. THE ACCOUNT IS FRAUDULENT. and further litigation will follow if accounts are not deleted.
Product: Debt collection

I spoke/written/emailed all the companies regarding the debt with XXXXXXXX XXXX XXXX XXXX XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city. 

Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance. 

They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter. 

Then I received an email from XXXX, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt. 

They continue to hold the debt. 

I have sent letters/emails to all companies with the cancellation letter provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not swayed that EXPERIAN has investigated the following accounts below properly. Their investigation about these accounts were totally incorrect. I am not seeing the reliable of the results if so ever they really conducted any investigation. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditors. Make sure to explain the outcome of your investigation about these accounts : XXXX  XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} ;
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Fraudulent Account Failure to Investigate by XXXX and American Express Details of the Complaint : Dear Consumer Financial Protection Bureau, I am filing a complaint against both XXXX and American Express for failing to adequately address a fraudulent account that was opened in my name without my authorization. 


Fraudulent Account Details : - Account Name : American Express - Account Number : XXXX - Date Opened : XX/XX/year> - Status : Closed/Never Late ( Not opened or authorized by me ) Attempts to Resolve with XXXX : I contacted XXXX to dispute this fraudulent account and informed them that I did not open or authorize it. Despite this, XXXX has refused to remove the account from my credit report. 

XXXX. Failure to Investigate : XXXX did not request any additional information or documents from me to validate my dispute. 
XXXX. Lack of Compliance : Their refusal to remove the account demonstrates a failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed accounts. 

Attempts to Resolve with American Express : I also contacted American Express to report the fraudulent account. However : XXXX. No Action Taken : American Express has not provided sufficient resolution or explanation regarding how this account was opened in my name without my authorization. 
XXXX. Failure to Verify Identity : American Express did not adequately verify my identity before allowing the account to be opened, which contributed to this fraud. 


Impact of XXXX and American Expresss Failures : The failures of both XXXX and American Express to address this fraudulent account have caused the following harm : - My credit report remains inaccurate, potentially affecting my ability to obtain credit or loans. 
- The ongoing presence of this fraudulent account has caused me significant stress and frustration. 


Resolution Sought : I am requesting the CFPB to investigate this matter and require : XXXX. XXXX : - Conduct a thorough investigation into the fraudulent account.

- Remove the account from my credit report immediately.

- Improve their dispute-handling process to ensure compliance with the FCRA.

2. American Express : - Investigate how this account was fraudulently opened in my name.

- Provide a clear explanation and documentation of the application process for the account.

- Strengthen their identity verification processes to prevent similar fraud in the future. 


Thank you for your assistance in resolving this matter. 

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

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't any investigation results..
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have not notified me of their method of validation. I tried calling the company but I cant get a resolution. I have sent letters to the credit bureaus trying to dispute this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but I cant get this issue off my credit report and I havent been provided with the method of verification. Please delete this from my report because the account can not be validated.
Product: Bank account or service

I went to cash in my investment accounts at pnc. they gave me the run around. they first put me on the phone with someone who said it would take weeks and they would charge me commission. I decided to transfer it to my bank and they did not bother to tell me i had to go through them to do that not my bank. is commission legal after a XXXX year account?
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to open a auto loan account with XXXX XXXX, I have a police report on file I would also like to dispute XXXX XXXX account reporting on my credit report due to identity theft
Product: Credit reporting or other personal consumer reports

After calling transunion 5 times and demanding that a fraudulent item that was previously removed from my credit report be removed again. I was told by 3 representatives that the account was not showing up on my report and was in fact removed. After XXXX sending over the updated credit report, the Goldman Sachs account was the first item on the list. I asked to be transferred to a supervisor and was disconnected every time. Secondly, not only did Goldman Sach send a letter stating that they removed the accounts from my report, they NEVER sent me a letter stating that they were reinserting the fraudulent items to my report which is violation 15 U.S.C. 1681i. The item was reinserted on XX/XX/XXXX and I was never informed as of XXXX XXXX to the point that the representatives say that its not even there. XXXX XXXX has done the same. The item was removed. The account is in a totally different name XXXX XXXX and they have also reinserted a fraudulent and inaccurate account without notice on to all. Of my credit reports. XXXX has hired at home representatives that have dogs barking and babies crying in the background to handle personal and private information. They are a private entity that is handling our life altering information as if they are handing out free raffle tickets. Just their work ethic alone is a violation of FCRA laws
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, AND XX/XX/year> to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving this!
Product: Mortgage

Ive been with Homepoint financial Since XXXX, and they have increased my mortgage yearly! 

Their reasoning is that they want a bigger buff in the escrow! 

Ive not been give any consideration about these yearly changes, Ive owned my property since XXXX and has never missed/late payment! 

This is the first company that increasing my mortgage yearly when the other two previous ones didnt. 

At these financial times I cant afford to pay these increases yearly! I would like to have my mortgage assigned to another company that CARES for their clients and has compassion during rough time. 

I really hope someone can take time to help me! 

What would happen if I dont pay the increase they are asking for?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, myXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a letter from Johnson Mark LLC stating I owe {$3900.00} to them. I have never applied for or opened an account with Johnson Mark LLC nor have I given permission to them to use any of my personal information to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I used to be a customer of XXXX XXXX and be paperless enrolled and make all my payments via automatic payments. I never missed a payment from of utilities. 
In XXXX I moved from XXXX  to XXXX and closed the XXXX XXXX account and I was expecting that any remaining balance should be paid via automatic payment. 
Since that, I never received any final bill my to my current address. Also, I never received any call or email from XXXX XXXX. Just a quick remember that I was used to receive my communication and bills via email because I was paperless enrolled. 
On XXXX, I received an alert from XXXX  about a Collection account was reported to my credit report, I call XXXX to understand the details and I was informed that the company ASSOC CREDIT SERVICES reported a debt collection and the original debt is from XXXX XXXX. I got very surprise because I never received any notice of this debt from XXXX XXXX or the Collection company. 
In the same day of XXXX, I call the collection company and paid in full and requested to than to remove this derogatory account from the credit bureaus ( XXXX, XXXX and XXXX ) because I neves received any notice, however I was informed by the agent they were not able to do that. 
Since that, I started to open disputes of this collection account report in my credit report directly with XXXX, XXXX and XXXX. In the next day, XXXX, XXXX  accepted my dispute due the argument that I never receive any notice and because they know I never missed a payment and this was a mistake. 
On XXXX I call XXXX to get the status of my dispute and I was told they can't remove because that account belongs to me. I did not accepted their decision and I placed I new dispute. XXXX information from phone and website are very incomplete and inconsistent, it has been impossible to follow this dispute with XXXX. The dispute number is XXXX. 
XXXX  has never provided a feedback.
Product: Credit reporting or other personal consumer reports

I tried to register for creditkarma.com Suddenly I see there is already an account with my information that i never opened registered with email XXXX Please delete that account
Product: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI CAPITAL AMERICA is reporting a Chargeoff on my report however this is incorrect additionally I have never received information about this balance. The car was returned directly to them and I was told I was fine and didnt owe anything when I returned the lease.
Product: Debt collection

I have paid the debt in full on XXXX/XXXX/2015. It is still showing as owed on XXXX even though I have disputed it with XXXX and XXXX. XXXX no longer shows it as being owed.