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

When I bought insurance from State Farm I was solicited to get their credit card. At the time, the " auto-pay '' was never established so the card has not gotten much if any use. 

I called on XX/XX/19 to deal with a problem on my auto/home insurance billing. I was repeatedly transferred to the banking operation who insisted on verifying my identify requiring my full social security number. After the 7th transfer, and all manner of apologies, the last person took offense when I refused and hung up on me. 

I sent an email complaining of the poor service and indicating I was considering ending my relationship with State Farm and asking for information on cancelling the card if they were going to continue to provide this poor service. 

I never received a response to the complaint. I did however about 10 days later receive a form letter indicating they had closed the account " on customer request ''. I immediately called and indicated that we didn't want to do that. They have steadfastly refused to correct this, requiring a new credit " hard pull '' and a new application. 

It is very difficult if not impossible to deal with the auto/home insurance customer service without being stuck dealing with the banking side. And I find the banking side to be extremely difficult, and in one case, rude to deal with.. 

On XX/XX/19 when I called, I spoke to a supervisor " XXXX '' who indicated he would get back to me on XX/XX/19. I never received a call back or any other form of communication. I followed up on XX/XX/XXXX, was transferred again 4 times to get to a 2nd level supervisor. I was repeatedly told ( by all 4 agents ) that they couldn't access my information because " that was a different department '' or " they didn't have access to that information '' etc.
Product: Mortgage

I spoke with XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he took my application over the phone to refinance my existing loan. He quoted me a rate and terms and called back a few minutes later stating that the rates had increased during our call but would get the original rate approved and would get back to me later that day or the next morning. He has not contacted me or returned my repeated calls or emails. I also have not received any disclosures that are required to be mailed. I spoke to XXXX XXXX yesterday and requested to speak to XXXX XXXX supervisor and was transferred to another voice mail. I left a message and no one has returned my call.
Product: Checking or savings account

I deposited 7 checks into my Chase Bank checking acct. for the total of {$7000.00} 2 checks on XXXXXXXX XXXX XXXX Check # XXXX {$2600.00} Check # XXXX {$2400.00} These checks were supposed to be available to me on the XXXX I believe. 
XXXX on XXXX XXXX XXXX Check # XXXX {$340.00} {$100.00} was made available immediately and {$240.00} was available on the XXXX 3 days later. 
XXXX on XXXX XXXXXXXX XXXX  Check # XXXX {$150.00} {$10.00} was available immediately and the {$140.00} was available on the XXXX 3 days later. 
Check # XXXX {$120.00}. 
Check # XXXX {$90.00} Check # XXXX {$1800.00} Check XXXX + XXXX supposed to be Available to use on the XXXX. But when the XXXX came around my account was fully frozen and being told it was going to be closed. 

So obviously Chase bank now has a policy that suspicious or possibly fraudulent checks need to be verified by the person who wrote the checks and the only way that is acceptable by Chase nowadays is to verify verify over the pone that they indeed did write or sign over these checks to the person who is now trying to receive them. Now I have talked with Chase personnel a handful of times now only to be told that their is nothing that can be done because apparently the phone number registered with the business who wrote the checks is no longer in service or has been disconnected therefore no one can verify these payments so my money will now hang in limbo frozen in Chase bank and my account has been closed. I have reached out to the person who signed over these checks and they sent me over all the information they have on the company including a landline which I will include in this report. I have now reached out to a lawyer who specializes in this particular subject and he has advised me to first reach out to Chase and try to reach a settlement with them, I did, thats not working. Now, Im being advised to fill out this report here. Also the most frustrating part of this situation is that half of these checks were cashed by chase bank, apparently only the higher amount checks were held for verification. I have received and cashed out dozens of these checks from the same company and person with no issues and no flags. However I am trying to help and comply and understand chase has policies. I will attach the checks I deposited with checks that were also deposited into the same account and were cashed out already. Along with all the info from the business and a landline phone number where to reach them. If this is not resolved after these complaints. I have retained legal counsel and will be pursuing legal financial action in which I am entitled to sue for 3x the original amounts plus legal fees. I expect my account to be restored and my money to be available asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX SOUTH CAROLINA ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX : {$120.00} ; XXXX & XXXX ( XXXX XXXXr : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; BXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

A third party debt collector is contacting me claiming I owe a medical bill. I explained to the debt collector my insurance covered those charges, but the debt collector continues to claim I owe this debt, they have yet to provide me any further proof that I owe this debt.
Product: Credit reporting or other personal consumer reports

i am asking to investigate a fraudulent account on my credit report. i have contacted the bureaus and there communication of not 100 % consistent from the online portals, to customer service. This is a fraudlent account reporting to my credit report and i am asking for it to be removed from my credit report. 

Account XXXX XXXX XXXX {$920.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ Credit Bureau Name ] for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$XXXX} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and am writing to dispute the following information that appears on my reports from XXXX, TransUnion, and XXXX. Please verify or remove the following accounts immediately : XXXXXXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( TransUnion and XXXX ) Current Balance : {$8100.00} Payment History Issues : Repossession, XXXX days late I dispute the accuracy of this account, particularly the reported repossession and payment details. Please investigate and remove any inaccurate information that can not be verified. 

XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( TransUnion and XXXX ) Current Balance : {$15000.00} ( XXXX ), {$16000.00} ( TransUnion and XXXX ) Payment History Issues : Repossession, missed payments, charge-off I dispute the balance and the payment history reflected in this account. Please verify or remove any inaccurate information. 

XXXX XXXX XXXX Account XXXX : Charged off I do not recognize this lender or account. This account was charged off and reported on taxes, yet I have not received a XXXX form. Please remove this inaccurate information from my report. 

XXXX XXXXXXXX XXXX Account XXXX : Unknown I do not recognize this lender or account. Please remove this inaccurate information from my credit report. 

Additionally, I dispute the following hard inquiries as unauthorized or inaccurate. Please delete them from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX, XXXX. XXXX on XX/XX/XXXX I do not recognize these inquiries or recall authorizing them. Furthermore, I never received a product or service related to these inquiries. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand that these items be investigated and removed if they can not be verified. I understand that you are required to complete the reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

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

Hi, I recently received email from XXXX offering me a 24 month Experian identityworks membership due to an XXXX data breach. The email says Ensure that you enroll by XX/XX/year> ( Your code will not work after this date. ) However, when I tried to enroll on XX/XX/year> I receive an Invalid Activation Code error. I immediately called the Experian customer service number XXXX and the Experian representative told me by XX/XX/year> meant I had to enroll by XX/XX/year> and there was nothing she could do for me. Clearly the terms of the letter includes XX/XX/year> and It was wrong for Experian identity works to deny my activation code and wrong for the customer service agent to fail to assist me. 

This complaint is being made on XX/XX/year>.
Product: Student loan

I have a joint spousal consolidation loan with my ex-husband. I have applied to get it separated. The loan is with Aspire. I am the co-signer so Aspire will not allow me to do anything with the account. I asked them for a forbearance and they said I had to request a forbearance from the ombudsman. I filed a complaint on XX/XX/year> with the ombudsman. They replied on XXXX XXXX and did not say anything about the forbearance in their response. They just gave me information on how to apply to separate the loan. I already had that information. I also emailed XXXX people at students aid. They also did not answer my question and just sent information on how to separate the loan. This joint spousal loan has significantly affected my credit but I am not allowed to do anything without my ex-husbands consent. He refuses to pay the loan. I am trying to pay my portion but no one wants to help me. Do I have any rights as the co-signer?? My credit will always be horrible because of my ex-husbands negligence. I dont even have his current address. I do not have access to the account because it is under my ex-husbands social security number. If I give them mine. They can not even look up the account .Please help!
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. 
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. 
Child Support XXXX has had the last activity XX/XX/2008 yet it still shows on my credit report. It should be removed due to its age and inaccurate information. The reports states several different last activity dates, opening dates and reporting information. 

XXXX Account XXXX  XXXX is paid not closed and has been for over 10 years. 
XXXX XXXX  Account XXXX  XXXX is unknown and not my account. 

The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
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  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulent. The inquiries in question are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, Transunion and transunion
Product: Checking or savings account

I noticed an authorized charge on my Capital One account by XXXX. I couldnt get a hold of XXXX  for weeks. When I finally got through, they were prying trying to get my email and my address. I didnt provide the info and they wouldnt tell me who and when the charge was made on my account. 
I called my card company, Capital One and notified them I didnt authorize any transaction to XXXX. Capital One never called me to verify if any of the information XXXX  had was accurate. 
Some days ago I got an email from Capital One that their investigation is concluded and XXXX is owed the money.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Glass mountain capital is trying to collect a debt which is not mine. I am a victim of identitytheft
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXXXXXX, XXXX {$740.00} XXXX, XXXX XXXX {$1000.00} XXXX, XXXX XXXXXXXX {$550.00} XXXX, XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$3200.00} XXXX, XXXX {$1700.00} XXXX, XXXX XXXXXXXX {$670.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EXPERIAN with report number XXXX for allowing inaccurate and erroneous information on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account still reporting on my credit report and no further actions have been taken. I have refilled this complaint as a proof that I am sincere and focus in having the account corrected accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. . Balance : {$28000.00}