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

Someone stole XXXX Chase XXXX XXXX XXXX XXXX from my mailbox. I am not sure if it was a postal worker or if it was an actual Chase XXXX personnel. I applied for the credit card XX/XX/2022, and on XX/XX/2022, I received a notification that the card would be mailed XXXX days. I NEVER received the card. This has resulted in fraudulent charges on my credit card, that I never received. I am still currently disputing this as theft with Chase today. 
I have emails from the Fraud department asking me if I authorized this transaction, to which I clicked " No ''. The email was on XX/XX/2022, from the XXXX email : Declined transaction to XXXX XXXX  was made for {$400.00}. Once I selected the button " No, Something's Wrong '' a second automatic card was mailed out to me on XX/XX/XXXX. Another card that I NEVER RECEIVED. 
I contacted the XXXX department with an online inquiry on XX/XX/XXXX ( ref # XXXX ) reporting the mail theft. 

The fraud department called my house stating that someone was trying to commit fraud on my card. I spoke to a representative and let her know that I did not make any purchases and that I never received the card. I was told that it would be taken care of, and I didn't have to worry. However, several weeks later I received a bill in the mail. 
I called numerous times to report this as fraud, and after Chase XXXX 's " investigation '' they added the charges back to my card. I spoke to a representative named XXXX and he advised me to make a police report for a federal crime ( mail theft ). I was also advised to submit evidence to Chase that these charges were fraudulent. After calling the police department I was advised to make a claim through the USPS ( which I did again ). I emailed the USPS case ref # and the Fraud Alert emails to the XXXX email on XX/XX/2022 and NO ONE RESPONDED OR CALLED ME. I have NEVER had to go through this before with any other company. This is sad. The worst part about this is, I have excellent credit. I have another card with XXXX through Chase and its ALWAYS paid off. I do not understand why the Fraud/Recovery department did not do their job. This matter has not been resolved and it's been 7 months.
Product: Checking or savings account

I used my citibank debit card at XXXX on XX/XX/XXXX. I received an email from citi bank asking me did i make the transaction and to confirm if it was me. I said yes and it said that my card was available to use again. Shortly after my account was locked, i couldnt use my debit card nor could i login online or view my bank statements. I called and they said a letter would be sent in the mail with a reference number. 7-10 business days went by and absolutely nothing came in the mail. I have been calling citibank for over a year now it is XX/XX/XXXX. And i still have been getting nonstop runarounds and transfers between departments only for them to tell me they arent the ones who placed the lock on my account. It is extremely frustrating not being able to have access to my account or my funds. I have not done anything wrong as a citibank client their business practices are UNETHICAL.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX ************ {$9900.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX  XXXX {$150.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than 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 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

Hello! I am having a problem with your website and Experian Boost service. I added my bank XXXX XXXX to my account. There was a scan done and I received a response stating that past bills could not be located which is inaccurate. Therefore, I disconnected my banking information and tried again a few weeks later. Now I am receiving this message : We couldnt validate your account details Your name and/or address with your bank doesnt match your Experian membership profile, so we couldnt validate your details. 

The address on my experian site matches exactly to what my bank has. I don't understand why I am receiving this message when my bank was connected with no problem just a few weeks ago. I appreciate your help in resolving my issue. 

Thank you
Product: Checking or savings account

I have an official email stating that my SSN does not match my XXXX form. I called and provided the proper documents, only to wait a week before I called back and they said it was invalid. I waited and they said they would send it over to a specialized unit to oversee the problem. Every time I call customer service something new is a problem. They said my form of ID was not valid, so I submitted my work authorization, my passport and my state ID. They continue to say it's invalid as it does not match the address I have on my file. So in order to do anything I would have to get a new ID with my new address. Which will take XXXX weeks. This problem has been going on for the whole month of XXXX, as every time I call customer service they say the same thing. I even know to what extent they could help me and they don't have any supervisors that I would be able to talk to over there.
Product: Debt collection

Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Product: Credit card

A fraudulent account was opened in my name through Self Financial Bank on XX/XX/year>. When I called Self Financial, the person I spoke to said they couldn't help me and then hung up on me. 

I contacted XXXX and submitted a fraud claim with them and with the FTC. XXXX advised me to contact CFPB and file a complaint here about this fraudulent account being opened in my name. 

Self Financial phone number : XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, MO XXXX This account has negatively affected my credit score and I am afraid for my identity.
Product: Mortgage

I need a response from my mortgage servicer ( NewRez ) regarding an error on a recent mortgage statement and payment of myXX/XX/2021 Property Taxes. 

I mailed an original copy of myXX/XX/2021 Property Tax Notice to NewRez onXX/XX/2021.NewRez is to pay the taxes from my Escrow Account. See the attached copy of this XX/XX/2021 Property Tax and Notice and a screenshot from the USPS website which shows NewRez received and signed for this notice on XX/XX/2021. 


Im asking that NewRez answer questions 1 and 2 below 1.Does NewRez have the XX/XX/2021 Property Tax Notice which was sent by me through USPS and when do they intend to pay the property taxes due from my escrow account in the amount of {$2200.00}. 


2.Why did I receive a statement dated XX/XX/2021 with a Payment Due Date of XX/XX/2021 with a Payment Amount of {$0.00}? Why does this statement show a Payment Amount of {$0.00}. 


I have included two attachments. One attachment contains both the 2021 Property Taxes due to be paid by NewRes and my. XX/XX/2021 statement. The other attachment contains a screenshot of the confirmation of delivery to NewRez of my XX/XX/2021Property Tax Notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my authorized inquiry
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report. ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

I am filing a dispute against Midland Credit Management regarding several concerns. They have been contacting me after XXXXXXXX XXXX which I consider to be harassment, demanding payments for a debt that I have no knowledge of. I am unaware of the origin of this debt and can not identify the purchases or charges they are referring to. 

In addition to these calls, I have received numerous threatening letters at my home, indicating that they are preparing to escalate the matter to legal action for a balance of {$940.00}. Despite responding to their calls, I have found their representatives to be unprofessional and rude when I inquire about the details of the alleged debt. They have been unresponsive to my questions and continue to call throughout the day, often interrupting my work. 

I am requesting that this matter be investigated and that the necessary actions be taken to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. StatXXXX issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Supporting Documents of Identification with Supporting Evidence to Support my claims for correction neglected by Experian and XXXX in Badfaith as reckless neglect.
Product: Credit reporting or other personal consumer reports

My discover card was closed and I set up a payment plan to settle the balance. For the last year the payment has been on autopay to keep the account satisfied and reported in a positive status to the credit bureau. Two days ago I received a credit alert that my score dropped XXXX points because this account was last due. I called them to ask why since it is on a payment plan and they told me they only do automatic payments for a year and then it has to be set up again. This was not mentioned to me and I was never contacted regarding this. This XXXX point drop puts me at risk of not purchasing a home. If I had known the payment plan had to be set up after a year I would have. The person on the phone. Told me sorry and she couldnt do anything but take a payment. They err quick to report a missing payment to the credit bureau but could call, email or mail a letter letting me know I had a balance. All payment for the last year have been made on time. This account was already reported negative to my credit when it was closed and now a double hit for this. This act has now been set up on auto pay once again and I am asking for the negative remark to be removed since I had no knowledge of this. I am beginning for this so that I can move forward to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transunion, XXXX, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 USC Code 1681eb. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CHECK INTO XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to get this matter resolved. I've submitted my previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were appear in my account fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. Home Depot has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if Home Depot can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.