23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Previously disputed XXXX items with all XXXX BUREUS, XXXX bureaus removed the items under the FCRA sec 623 based on the accounts being unverifiable, incomplete or inaccurate. The results are to be shared with all reporting agencies if errors are found and account is deleted. Experian has not followed the laws that are in place to protect the consumer by removing these items. I hwve provided several letters with the results showing the deletin of these accounts. The continue to report inaccurate information that has been disputed and removed by the other XXXX major reporting agencies. They hwve not provided method of verification to substantiate their claim. These are clear violations of the FCRA and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On multiple occasions, I have contacted Equifax regarding several unverifiable inquiries on my credit report, yet the issue remains unresolved. Despite my repeated efforts, which include directly reaching out to the creditors involved, none have provided any verification, authorization, or proof of permissible purpose for these inquiries. I have also contacted Equifax several times to inform them of this lack of verification, but they have not removed these inquiries as required by the Fair Credit Reporting Act ( FCRA ). In contrast, both XXXX and XXXX have already removed these inquiries based on the same information I provided. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries and have no record of authorizing them. I have documentation of all my correspondence with Equifax and the creditors to support my claims. I urge Equifax to take this matter seriously and remove these inquiries immediately to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, Equifax and XXXX  previously sent to XXXX XXXX and XXXX XXXX XXXX yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXXXXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Product: Debt collection

Last year I made the mistake of taking a loan with Advance America. I contacted them repeatedly on trouble with paying it back and trying to resolve with a payoff program. 
I committed to paying back the loan XXXX at a time at which point they tried to debit XXXX from my account immediately. I immediately changed my card an bank account number to keep my funds so I could feed my family and pay essential bills. 
They called back threatening a civil suit unless I made another arrangement. They also threatened to have " personal '' collector come to my residence to collect. A practice I thought long gone and illegal. They were very vague and argumentative as most collection agencies are. 

I made the arrangement today XXXX/XXXX/2015 at XXXX but during the call the person repeated my Debit card number out loud in a room full of people. I know this to be illegal and it opened up my card to a variety of ways it could be used. They repeated back the number, expiration date and security code. Everything that would be needed to gain access. 

The contact person name is XXXX from XXXXXXXX from their verification department however did not divulge any of my information and limited the security questions to the last XXXX digits. 

This is very dangerous because anyone could have taken my information down. I have alerted my bank about this. I am launching this complaint to keep other consumers safe. I fully intend to pay this bill off. I do not however want random people knowing my debit card number and personal information.
Product: Credit card

On XX/XX/2023 I was sent an alert for a hard inquiry made in my name to JPMCB ( Chase ). I never even filled out an application to apply for anything on that date or anywhere near that date. I called Chase right away and they stated that an application was sent to them and was Denied. I asked if I could receive a copy of that application but I was informed that they cant do that due to it not being approved. They informed me to call XXXX and I did that right away and they put a fraud alert note on all my credit companies accounts for a year.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inquiries listed on my consumer credit report, which are a result of identity theft and any fraudulent inquiries. I request verifiable proof, including my signature or electronic signature, for any such actions. I did not authorize these inquiries, and they violate my consumer rights under the Fair Credit Reporting Act, Section 605B, which pertains to the blocking of information due to identity theft [ 15 U.S.C. 1681c-2 ], and Section 604, which outlines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. I have contacted the relevant companies and discovered that these actions were initiated without proper validation or original proof from any of the reporting entities. Since I never authorized these inquiries, they are fraudulent and likely the result of identity theft or the illegal reporting of my information by creditors or third-party data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and inquiries. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX
Product: Checking or savings account

PNC bank. Was promised {$500.00} bonus for virtual wallet performance ( 3 in 1 account ) with deposits totalling {$5000.00}. I deposited {$5000.00}. 
I made multiple calls to get my {$500.00} bonus. 
I contacted them on XXXX. 
I even spoke to the executive team several times. 
I emailed the executive team the flyer, that showed the terms for the {$500.00}. They promised to give me the {$500.00} bonus several times, but have not over the past 5 months. 

They also do not let me transfer my money out. They imposed arbitrary ( in my opinion ) monthly limits of {$2000.00}. Why can I not transfer my money out? 

I finally closed my account today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute through the credit bureau regarding XXXX XXXX. The account was settled through a debt consolidation with a remaining balance of {$390.00} due. 
XXXX XXXX nor the credit bureau have updated the account accurately with my statement of being in a debt consolidation program, nor has XXXX XXXX updated my report with the accurate balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX Experian credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, Experian as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and XXXX XXXX, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- Experian , XXXX and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
Product: Student loan

I'm struggling to get Mohela to process a simple customer service request. I am trying to switch my student loan repayment plan from an XXXX plan to the standard XXXX plan. I first called Mohela to request this change on XX/XX/2023 and was told it would take XXXX business days. When the change was not reflecting on my account a month later, I placed a second call ( on XX/XX/2023 ) to follow up. The representative that I spoke to expressed that it shouldn't have taken so long to make that change and assured me that it would be processed by the following Tuesday ( XX/XX/2023 ) at the latest. When the change was still not reflected on my account by that date, I called a third time and was told, again, that it would be XXXX business days. Once again, I waited the XXXX business and, when the change still had not been made, called a fourth time ( on XX/XX/2023 ). The representative I spoke to that time told me that it actually takes 60 days, not XXXX ( as I had been told by each of the XXXX prior representatives I had spoken to ), which was why it had not yet been processed. I asked to speak to a supervisor, but was disconnected while holding ( I had already waited over an hour on hold to speak to the first representative ). To date, my request still has not been processed. I am submitting this complaint because I am concerned Mohela is kicking the can down XXXX XXXX on this request. I had a similar issue in the past getting Mohela to process a very basic customer service request ( correcting obvious errors in my PSLF count ) and was only able to get help from Mohela after filing a CFPB complaint.
Product: Mortgage

The inspection of the loan ( XXXX ) was XX/XX/XXXX with the balance of {$79000.00}. Despite making monthly payments, the current balance as of XX/XX/XXXX is more than {$100000.00}. They are known for these fraudulent activities. 

Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX Rushmore illegally overwrite the state and federal laws in loan docs and take advantage of clients trusts.
Product: Mortgage

I borrowed {$62000.00} in XXXX my mortgage company is Ocwen. I sold the condo XX/XX/XXXX. I just received the final payment for {$65.00} taxes, I don't even know? 
I borrowed {$62000.00} and just paid the loan off of {$58000.00}. I made the payment of {$440.00} for 13 years and 10 months. I feel XXXX financially. Please help me if you can. Financially XXXX. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a settlement with Persolve Legal Group as a collection for a bank which was paid in full as agreed the first week of XXXX of 2022. I have written and called multiple times to get them to update my credit report showing the balance is now {$0.00} but they refuse to update this with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting

recently learned that my identity was stolen and still trying to resolve the many problems that pop up daily due that. 
i filed a FTC Identity Theft Victims ' Complaint and Affidavit no. XXXX, then filed police report with XXXX police department report no. XXXX, in addition i filed US Postal inspector mail theft report and faxed and mailed through certify mail to all the fraudulent creditors and the XXXX reporting agencies ( sent police report, completed Ftc affidavit, copy of driver license and social security along with letter requesting all the records and requesting the credit reporting agencies to block the fraudulent accounts removed and blocked in pursuant of section 605B of the fair credit reporting act. 

XXXX and XXXX both respond in timely manner. 

Equifax refused to do so and attached their response as follows " XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time will not block the information subject to the submitted identity theft and /orpolice report you provided as part of your dispute. We are contacting each creditor directly to verify the account /s onyour behalf. We will also forward a copy of documents you have provided to each creditor for their review. " please help me solve this issue its costing me time and money that i do n't have. 

thank you
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to express my dissatisfaction with the recent experience I had while attempting to apply for a credit card at one of your Chase branch offices. I believe that the practices employed by Chase in this regard are unfair and potentially in violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) guidelines. 

On XX/XX/2023, I visited one of your branch offices with the intention of applying for a credit card as a second attempt. My first attempt was on XX/XX/2023. To my surprise, I was informed that the in-office application process was not available for the Chase Sapphire Preferred credit card, and I was encouraged to apply through your online portal instead. While I understand that online applications are a convenient option for many customers, I specifically chose to visit the branch in order to take advantage of the increased point bonus that was being offered for in-office applications. 

Despite the assistance of a banking representative at the branch, the issue could not be rectified, and I was unable to submit my credit card application in person. This led to unnecessary frustration and inconvenience for me, as I had to make two separate visits to the branch location in an attempt to complete the application process. Not only did this situation waste my time, but it also disrupted my schedule and caused unnecessary stress. 

It is deeply disappointing to learn that Chase 's systems prevented me from applying for the credit card in person, thereby denying me the opportunity to benefit from the additional point bonus of XXXX reward points. This discrepancy in application methods raises concerns about fairness and equality of treatment for customers. I believe that every customer should have equal access to promotional offers, regardless of whether they choose to apply in person or online. 

Furthermore, I would like to bring to your attention the potential violation of UDAAP guidelines. The Consumer Financial Protection Bureau ( CFPB ) established these guidelines to protect consumers from unfair, deceptive, or abusive practices by financial institutions. By denying customers the ability to apply in person for a credit card with an increased point bonus, Chase may be engaging in a practice that could be viewed as misleading or deceptive. 

I kindly request that you review and address this matter promptly. I believe it is in Chase 's best interest to rectify this situation by either extending the increased point bonus to customers who were unable to apply in person or by making the in-office application option available as intended. 

I appreciate your attention to this matter and trust that Chase, as a reputable financial institution, will take the necessary steps to ensure fair treatment of its customers. I look forward to a prompt resolution and your timely response. Thank you for your understanding. 

Yours sincerely, Chase Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items in Identity Theft must be deleted : The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response.