23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However XXXX and Experian have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against US Bank regarding their inaccurate reporting of my credit card information to XXXX and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. 

On XX/XX/2023, my US Bank account information was deleted from XXXX, leaving me with only one credit card account, which negatively impacted my credit score. 

On XX/XX/2023, I immediately reported this issue to US Bank and requested that they correct the issue and report the account accurately to XXXX. However, US Bank has not taken any corrective action within the 30-day deadline ( reported XX/XX/2023 ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. 

Today, US Bank account information is still entirely missing from XXXX. At the same time, this US Bank account does exists on XXXX and XXXX. Keep in mind that US Bank company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. 
But still missing on XXXX no matter how many times I contact US Bank. I was told by US Bank " everything is reported accurately. '' each single time I contacted US Bank about this issue. I reported to US Bank in accuracy and even showed XXXX and XXXX Report showing my account information. US Bank ignored my dispute. 

As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. US Bank has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.
Product: Mortgage

My are trying to pay off the Reserve Mortagage loan with XXXX  on my father 's house. 
XXXX  keeps charging us fees for monthly property inspection, and now wnat sto charge us {$420.00} for Payment of Attorney Fees and {$40.00} for Property Inspection right before our house closes on XX/XX/XXXX 

In order to avoid any foreclosure problems, or any additional late fees with my Father-In-Laws Reserve Mortgage, I requesting that XXXX provide us, my Real Estate Agent, and Probate Attorney with detailed written instructions of what your company requires, and the time frames it requires them. 

They continue to use confusing verbal instructions with us, and omission of critical information, and due dates, which is causing us much unnecessary stress, therefore, I formally requesting written instructions with due dates, listing any required support documents from XXXX.We did not get a response back until XX/XX/XXXX. 

I wanted a check list that we can easily following in order not to miss any of their requirements, thereby causing XXXX  to charges us any extra fees. 
I requested this written instructions in accordance with the Americans with Disabilities Act since I am XXXX XXXX.
Product: Debt collection

Previously placed a dispute with enhanced recovery systems directly I received a confirmation receipt from my letter I sent to them they have failed to update with the credit bureaus and to state that its previous under dispute and validate that this past debt as mines
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed 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 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 XXXXXXXX Per 15 USC 1681 Permissible Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately
Product: Bank account or service

I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and Scottrade Brokerage Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get into Transunion credit freeze/alert through XXXX for the last two weeks in XXXX. I have a temporary suspension that they can not seem to lift. I have called at least 8 times and each time, they give me a temporary password and each time it fails. Sometimes, the code never comes. Sometimes I put the temporary password in and they ask for a new password but it still comes up " Temporarily suspended ''. Once I actually got in with a new password but tried to get in a second time but was temporarily suspended again. 
At one point last week they said that it has been " escalated '' and a Supervisor was supposed to call me back but after 5 days, nobody called back. 
So here I am with my credit frozen but if I need to unfreeze it, I won't be able to because of their issues and failure to resolve them. 
This is completely unacceptable. The time I've spent trying to get access to what is my information is now ranging in 10s of hours!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XX/XX/2023 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: Checking or savings account

On Saturday XX/XX/2019, my husband and I went to a Chase bank branch asking to close both of our individual checking accounts and to consolidate all of our funds in to our joint checking account. The funds were initially transferred with a promise of the accounts being closed on Tuesday XX/XX/2019. But on Wednesday XX/XX/2019, the funds were returned to our old primary checking accounts, which appear in our online banking. We try to transfer those funds but are told by the Chase website that we can no longer access that website. I would like the a accounts to be closed and the funds to be transferred. My account still holds {$20.00} and my husbands account still holds {$25.00}. Please assist in returning those funds to our joint account and closing the individual accounts.
Product: Student loan

Description of the Issue : I am filing a formal complaint against MOHELA regarding a missing loan payment that has not been properly applied to my account. 

On XX/XX/year>, I made a payment of {$11000.00} toward my student loan with MOHELA, which originally had a balance of {$22000.00}. However, after recently consolidating my loan to qualify for Public Service Loan Forgiveness ( PSLF ), I discovered that my new loan balance is $ XXXXwhich does not reflect my payment and includes interest that should not have accrued. 

I have confirmed with my financial institution that the payment was successfully processed. Despite multiple attempts to resolve this issue with MOHELA, they have not corrected my balance or provided a reasonable explanation for the discrepancy. 

This error has significantly impacted my financial obligations and my eligibility for PSLF. I am requesting that the CFPB investigate MOHELAs handling of my account and require them to : Properly apply my {$11000.00} payment to my loan balance. 
Correct my consolidated loan balance to reflect the payment and remove any improperly accrued interest. 

Provide a written explanation detailing why my payment was not applied correctly. 
I would appreciate any assistance the CFPB can provide in ensuring MOHELA corrects this issue promptly. Please confirm receipt of this complaint and provide updates as the investigation progresses. 

Thank you for your time and attention to this matter.
Product: Debt collection

XX/XX/year> company called my mother and elderly father to contact me. 

XXXX and XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$4000.00} to pay off in full a XXXX  XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt or credit management

I sent letters to company about the 2rd party claim amd to the credit bureas all three
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : XXXX High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) | XX/XX/XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

on XX/XX/2023, Person " XXXX XXXX '' on XXXX claimed to sell concert tickets through XXXX XXXX. Asked me to zelle XXXX $ to XXXX enrolled as XXXX " their boyfriend ''. Claimed that they never received the payment but my bank chase confirmed that they got the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I submitted a dispute to have my proper name listed on my TransUnion Credit report. Currently my name on the report is incorrect. Per the companies website, they ask that you send proper documentation ( 2 forms ) that has your correct information. I sent in both my state issued drivers license, Federal Global Entry ID and my passport. This was all delivered to TransUnion via certified mail on XXXX On XXXX  I received a letter from TransUnion stating that " The information sent was not sent from me or an authorized agent on my behalf ''. On XXXX XXXX called TransUnion directly to inquire about the letter and was promptly blown off by 3 agents stating that " the items I sent couldn't be validated ''. If I provide 3 pieces of identification, and it can't be validated what else am I to do?
Product: Credit reporting or other personal consumer reports

My email to Screening Reports on XX/XX/XXXX : To whom it may concern, This is a formal request to re-investigate and correct items on my credit report issued by your agency. These items must be removed in order to show my true credit history.

I make this requested pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, I requested that you re-verify each of the items listed on my previous XX/XX/XXXX dispute letter. 
I have attached my current updated information from my XX/XX/XXXX credit report from XXXX. 
I have also resubmitted my original dispute letter. 
15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. 


Screening Reporting Response on XX/XX/XXXX : Unfortunately, we are unable to change information that is being reported by the credit bureaus. We recommend reaching out to the credit Bureau directly to dispute any inaccurate credit information. The report that was screened will only reflect the information that was obtained from XXXX at the time of your screening and is not representative of your current credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX and XXXX. XXXX, XXXX, LENDMARK FINANCIAL S add a hard inquiries 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

Creditor claimed they would remove item off of my report its still on my report as a negative item. which is hurting my score.
Product: Credit reporting or other personal consumer reports

The presence of public records on my credit report is unacceptable and is causing me significant distress. I implore you to remove them immediately to alleviate my anxiety.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute : As a victim of identity theft, this account is not mine. I never received any communication or welcome letter from this creditor. I am entitled to verification proof of this account, which I have not received.

This account is fraudulent and not associated with me. I have filed a police report regarding identity theft and request immediate investigation and removal of this item from my credit report.

I am aware that you are required by law to notify me of the results of your investigation within 15 days and provide me with an updated copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to a company called 5 Star processing. That claims they can post tradelines to your business profile to build business credit report. They are calming they place a tradeline with Equifax business and credit safe. After 4 months. No information was posted on my account. I called Equifax and Credit safe to ask if the information has been posted. They have stated no. After several conversation with the owner XXXX he has assured me the information has been posted. I called the two firms again and they have stated no tradelines from that company has been posted. I reached out to XXXX again and notified him that I would report this fraudulent business to the FTC, and the Attorney General I have also spoken to the customer service representatives concerning the issues which prompted XXXX to call me. He has stated that there was an issue with their back system, and he just learned that no business owner tradeline has been reported for months and he was not aware. When I asked him when the information would be posted. He stated within the week. after 4 months I have learned that in over a year this company has frauded many business owners who were promised a service and services were never rendered. No services were rendered. and this company has no afflation or business dealings with the companies mentioned. Its all a scam. Here is the website https : XXXX. Also Here is the XXXX channel of their posting and the person that is recommended them. I later found out she is part of a fraud as well. You will be able to look up her name. She has been reported by thousands for her financial crimes. Her name is Real name XXXX XXXX ster is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have lost {$500.00} during the time I have been associated with this company. And 1000s of other clients have lost more. We need your help.
Product: Debt collection

After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.