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

In XXXX of XXXX, on my phone 's Chase business app, clicked on a promotional offer for a XXXX Credit Card. After filling out the information requested, there was a message on my phone letting me know that I might have to unfreeze my credit for them to check. Following Monday called back an XXXX number to let them know I unfroze my credit for a few days per they request. My Business ( Chk : XXXX ) relationship with Chase is more than XXXX XXXX XXXX, with checking and savings, never even a minor problem, always excessively funded and they advertised the fact to issue a credit card especially for someone like me who has history and good relationship as super easy and fast! 
After about XXXX weeks of the original application, called back to check, I asked why is taking so long? Was told that is Not approved, When I asked Why? They had No clue, was told will receive a letter in mail. NOTHING HAVE RECEIVED IN MAIL. Called back many times, they say different stuff, By the way my credit score is close to XXXX, and I made a trip in which I could use a XXXX card and of course with other purchases! Have requested at least XXXX times a letter for the denial No letter ever came! It seems, they Do Not Want to send this letter!
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach and my information was bought and sold illegally. I want these items removed from my credit report immediately. I am attaching proof from Equifax admitted that I was a victim of the data breach and Equifax has done nothing to help me. Please help me remove these illegal accounts from my credit report a ) XXXX XXXXXXXX XXXX Acct  ending in XXXX for {$410.00} b ) XXXX XXXX XXXX acct # ending in XXXX for {$640.00} c ) XXXX XXXX acct # ending in XXXX for {$1000.00}, d ) XXXX card acct # ending in XXXX for {$2600.00} and e ) XXXX XXXX acct ending in XXXX for {$570.00}. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair hearing credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violations federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at Region 's bank in XXXX, Alabama for a line of credit. My credit score at that time according to XXXX was XXXX, my credit score on Experian was/is XXXX. 

Region 's Bank denied the loan based on a false credit score of XXXX. I have never had a credit score of XXXX. I have gone to the bank and tried to find out what the problem is. First I was told that I must be mistaken, then I was told that the underwriter said that it was our problem. The branch Manager XXXX XXXX, has not been able to answer my questions. I was told by XXXX this past Friday evening that he would talk to his boss about this. Since that time I have heard nothing from Regions. I believe this is defamation of character and falsification of records. I can not have the same credit score I had because it has taken a hit from Region 's. My credit score is devalued. Please look into this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accounts that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : Please Remove Fraudulent Account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I have requested that these accounts to be removed as these are inaccurate reporting on my credit file. I spoke and discussed this already and they haven't made any progress at all. I want these accounts to be removed if not I will have to receive settlement for about {$1000.00} from these violations in terms of the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a result of a data breach in which my personal information was compromised.

The following accounts and inquiries have been affected, and I ask that they be removed from my credit report : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Status " paid as agreed '' on Equifax and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX  Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account Immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

On XX/XX/18, there was a hard inquiry on my credit report that I did nor ask for or apply for from Chase Bank.
Product: Student loan

Dates of the loans : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Currently unable to log into my account to retrieve exact amount since the Navient transfer my loans to Mohela. Originally, I filed school misconduct forms with XXXX to prove already known information about XXXX XXXX being a fraudulent school in where they found guilty in court. But XXXXt deceived me and transfer loans to Mohela in where they denied my application. Mohela already faces scrutiny with government and proven unfit to manage student loans. So, transferring my loans to Mohela, and application being denied under them while they fully don't own my loans yet had surely broken the trust and promissory. As well Mohela doesn't have programs for School misconduct.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX 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 card

American Express is telling me to locate this new credit card that I never received because I did not authorize opening an additional Gold card to be opened. I don't even know the account number or call the number on the back of a card that I haven't received. 

According to Fair Credit Reporting Act, American Express needs to report accurate information and this new account was never opened with my permission. As a result, this card needs to be cancelled and removed from my credit report.
Product: Credit card

On Friday, XX/XX/year>, I called Capital One and asked what was the best way to pay off the balance of my credit card. The rep told me to send a wire transfer. 

The balance was {$7600.00} There was an automatic payment on the XXXX for {$240.00}. 

On Monday, XX/XX/XXXX, XXXX, my financial advisor, called Capital One and spoke to XXXX XXXX She told him the same thing another rep had told me that day. Both Capital One Representatives recommended paying off the credit card via wire transfer. 

The payment needed to be completed by XXXX XXXX  today to avoid any further fees. XXXX sent a wire transfer to Capital One on XX/XX/year> at XXXXXXXX XXXX. The amount was {$7500.00} - the full amount that would have paid off the balance of my credit card. 

On XX/XX/year>, I found out that the wire transfer payment did not go through. XXXX and I called Capital One together. We were told that Capital One returned the wire transfer payment. It was never applied to my credit card. The rep told us that they do not accept wire transfers. 

As a result of the misinformation that TWO Capital One employees gave us, approximately {$170.00} in interest fees was added to my balance. 

XXXX paid off the remaining balance ( without interest fees ) that day. Confirmation code XXXX. 

On XX/XX/year>. I spoke to supervisor XXXX. Employee number. XXXX. I asked her to wave the interest fees that accrued in my account due to the misinformation that was given to us by two Capital One employees. She refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact Experian. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.
Product: Checking or savings account

XX/XX/XXXX - XX/XX/XXXX I, XXXX XXXX have spent ( 1500 ) Hours on Identity Theft Solutions " working '' with the Credit Bureaus, Executives at Banks, Information Removals, Opt-Outs and Government Agencies. 

Since, XX/XX/XXXX my ' Bank ( Washington Federal ) is not. " TrustWorthy '' that is ' as, an XXXX Recipient. 

Made Causes for Reissuing Debit Cards Made Causes for Reoccurring Disputes Domestic UnLawful Activity Domestic Force Domestic Finance
Product: Credit card

Someone attempted to apply for multiple credit cards with my personal information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRY ONEMAIN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

Information contained in background screenings completed by various companies contain inaccurate and incomplete information. This continues to result in loss of employment or employment opportunities. The inaccuracies include the failure to note a dismissal of a felony and incorrectly identified a non-violent misdemeanor as a felony. Further, there is no disposition and it appears as if the matter is an ongoing criminal matter. Another inaccuracy regarding the dismissed felony, is the charge is misidentified. It makes the applicant appear as the person is a violent  offender, which is not the case. 
The charge involved a domestic dispute with a sibling who was angry. Again, this charge was DISMISSED as a NO BILL over three years ago and the related conviction for a misdemeanor is NON- VIOLENT. I have contacted XXXX County, Florida Clerk of Courts and they verified their information in their system is correct. I have copies of the court documents as proof the errors above are, in fact, errors. The information has been misreported or depicted inaccurately by public records or interpreted incorrectly by background screeners. I have disputed the background report with backgrounds.com before and this corrected the problem with one company. However, this has been an ongoing problem. This leads  me to believe the problem is with the information reported in public records accessed by other background screening sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMEX, XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Was notified by XXXX XXXX of a new collection. Contacted IC systems. At first, they couldnt give me any information. I said Im unaware of this account. They stated it was for a XXXX bill from XXXX  but didnt have a service address. I told them I was never contacted about this. They said they tried to email me back in XXXX. I dont have an email from them. They said I could go to police department to start a fraud case.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for the loan in late XXXX in the amount of XXXX dollars. They approved me for XXXX. Everything was done online. The print was all very small and AFTER I signed the agreement I found the interest rate buried in tiny print AFTER it was accepted, in the amount of 539 %. 

I called today ( XXXX ) to change my payment t date and I was told that I will have to resign a new contract to change the due date. I am not comfortable with that and even trued to ask about the interest rate at that time and the person on the phone, I could not understand them. This company is taking advantage of people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below.

Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.
Product: Debt collection

I called this morning XX/XX/2017 to get them to validate the debt they say I owe to them but I have never had an att account they put it back on my credit once again after it was removed already once before
Product: Mortgage

UWM transferred my loan to a new servicer. UWM owes my new servicer a check for {$770.00}. The check should have been processed months ago and they refuse to respond and have not sent a check. My account is showing an incorrect balance due to this issue. 
I am unable to correctly pay my loan due to this issue.
Product: Credit card or prepaid card

Macys isnt crediting back the charges they made on my card, I havent received the items they charged me.
Product: Debt collection

Several different agents call harassing me on my job at home, I advised them to contact my attorney. the company went bankrupt and SOLD the DEBT to portfolio recovery services which is a collection agency. the law states a company ca n't go bankrupt then sell the loan to a such company .I 've contacted them several times to remove theses items from my credit report. I have n't any success at all. so I 'm requesting your swift attention.