23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had been reaching out to XXXX XXXX to see if I could get a payment plan started to pay off loan but they insisted on repossession my car instead of working with me and charging me unnecessary fees in regarding the loan and applied this loan to my credit report so that has put me in a terrible situation with me on my credit report when I dont even have the car anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

I want you to know that I understand and have great respect for my nancial obligations. Unfortunately, at the time of the incident mentioned above, I had a job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax ( Confirmation XXXX ) and they have failed to provide documents that their company has on file which was used to verify the accounts that I have disputed. 30 days has since passed and under 611 ( 5 ) ( A ) of the FCRA they are required to delete any information that they are unable to verify in which I have disputed. Please assist me in dissolving this matter. Thank you in advance.
Product: Student loan

In XXXX, my employer and employment were certified and counted toward PSLF. I reapplied XX/XX/XXXX to update the past year of payments and I received a notice from FedLoan that my employment was not certified because my employer is " for-profit. '' I used the PSLF tool on XXXX so that I could submit the information about my employer, but the tool did NOT work, even after trying multiple browsers and different days. I tried contacting the Federal Student loan office by phone several times and the people that I was able to get in contact with told me that there was nothing they could do about the online tool not working and there was no alternate way to submit that information. I eventually contacted the Ombudsman group, who connected me to a representative at FedLoan that handled my inquiry. On XX/XX/XXXX, I received a notice that my employment was certified along with an update of my qualifying my payments. Now on XX/XX/XXXX, I received a notice in my paperless inbox from FedLoan with the subject " PSLF Qualifying Payment Update '' which, in summary, just states that I now have ZERO qualifying payments, however there was no specific explanation as to why this randomly happened. I called FedLoan on XX/XX/XXXX and was informed that there is an additional letter that I was supposed to receive stating that my employer was determined as not qualified due to being for-profit. I have yet to receive the letter, but I received the updated qualifying payment status letter. I have already submitted a request on the studentaid.gov website, which still is very buggy. I shouldn't have to do all this work to get my employer certified and I am increasing confused as to how and why those involved with this process have the inability to research and read. There is a plethora of information related to the Federal Home Loan Bank System on various .gov websites as well. Additionally, we are well aware that the PSLF program has been grossly mishandled and administrated in the past and now that FedLoan is not renewing their contract and no other servicer handles PSLF, I am extremely concerned. I feel like the number of hoops and continuous attempts to get this corrected is NOT my burden, as the Federal Home Loan Bank system has been an integral part of this countrys financial system since the XXXX 's. I think they are hung up on the " for profit '' part instead of the fact that the Federal Home Loan Banks are govt entities and per the application form and anything that I can see, should qualify without issues. The FHLBank system is EXEMPT for ALL taxes and are extensively involved in community development nationwide in areas such as affordable housing projects, owner-occupied rehab, homebuyer down payment assistance, and small business grants just as examples.
Product: Debt collection

I, XXXX XXXX, desire to be part of the CFPB claim against Tempoe LLC for an illegal transaction and contractual agreement. I want my debt of {$1200.00} to be forgiven immediately. The Consumer Financial Protection Bureau ( CFPB ) today acted against Tempoe , LLC  for tricking consumers into expensive leasing agreements by concealing the contract terms and costs and failing to provide legally required disclosures. Forty-one states and the District of Columbia are entering into a parallel multi-state settlement addressing the same conduct. Tempoe offered financing at the point of sale to customers at major retailers such as XXXXs and XXXX. By hiding the true nature of the agreements, Tempoe tricked consumers into signing the leases, and consumers found themselves unable to return products and on the hook for unexpectedly large payments. The CFPB is permanently banning Tempoe from offering consumer leases, requiring the company to close each of its outstanding consumer accounts, and ordering the company to let customers keep leased merchandise with no further payment, representing approximately {$33.00} XXXX in released payments. Tempoe is also paying a {$2.00} XXXX penalty, with {$1.00} XXXX deposited into CFPB 's victims relief fund and {$1.00} XXXX paid to the states entered the settlement. 
My debt of {$1200.00} must be forgiven immediately!!! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Dear I C SYSTEM INC, I am writing to you regarding a debt that you claim I owe. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. 

Please provide the following information : Proof that you have the legal right to collect this debt. 
A complete account history, including the original creditors name and address. 
Copies of any documents that show I agreed to pay the debt. 
A detailed explanation of how the amount claimed was calculated. 
Until you provide this information, I will consider this debt to be disputed and will not make any payments. Additionally, please cease all communication with me except to provide the requested validation. 

Failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

- On XX/XX/XXXX I sent a message via secure message on my home banking with Chase Bank asking how was the process to close my account. I never asked to effectively close my account, I just wanted to know how the process was because I was evaluating changing to another bank. I have all the messages in my Chase Inbox and screenshots of it just in case ( they're in XXXX ). 

- On XX/XX/XXXX I tried to access my account va online banking and there was no account and funds. I just found that a Chase 's employee answered my message saying that my account was closed and they have sent a check with my funds to my address ( they never said wich address exactly ). They also cancel all possible transactions and my debit card. 

- I contacted inmediately via secure inbox again and asked why they did this and said that it was a mistake. I asked for my money saying that I really need it and that I never asked to effectively close my account. I also sent them a screenshot where it can be read that I was just asking about the process and never gave CONSENT on closing my bank account or any Chase product. 

- On XX/XX/XXXX they answered again just saying that they were sorry for the mistake and that they sent a check for the amount on my account to my address ( again, they didn't said exactly to WICH address ). They also told me that like I live in XXXX, the check could arrive in 4 WEEKS. 

- I answered once again inmediatly said that was a mistake because on first place I never asked or gave consent on closing my account, I live in XXXX where there are no Chase branch so I won't even be able to turn the check into cash and btw, we're on quaratine due to COVID-19. I  asked repeteadly to give me a real solution, I offer them to transfer the money to another account or even to activate my account again with my money so I could transfer it to another bank account. 

- On XX/XX/XXXX they answered once again saying a check was delivered, that It will take 4 weeks to arrive, etc. They never gave me a real solution even they recognize it was THEIR MISTAKE to close my account. Now I don't have my money, I don't know where they sent a check, and IF the check arrives, I won't be able to turn it into cash because there is no Chase branch where I live and there is a cuarantine due to COVID-19. I replied once more explaining all the situation and that was all. I also tried to contact Chase via XXXX  ( you can see all my angry messages here : https : XXXX ) and their XXXX page but there was no answer at all. 

Please, I just want my money back so I can transfer it to my other bank account. I can give chase my other 's bank XXXX/XXXX but I REALLY NEED THE MONEY and can't wait 4 weeks for a check that I won't be able to use just because a Chase 's employee made a mistake. 

Thank you in advance for helping me to solve this as soon as possible. 

Regards,
Product: Credit reporting or other personal consumer reports

I cant get any new account because on going issue the company I applied at cant identify me under credit bureau they have an old name and old score this affected my life I will be homeless because of this fix this please I have no where to live because I cant be identified there my credit
Product: Checking or savings account

Hello. I occasionally buy digital products through XXXX store for my kids. XXXX usually do not exceed the XXXX XXXX On XX/XX/year> 2 times XXXX {$12.00} times XXXX {$1.00} time XXXX $ And on XX/XX/year> XXXX charged my card 2 times XXXX {$1.00} time XXXX {$1.00} time XXXX {$1.00} time XXXX $ I tried to call XXXX to ask more information about these charges and when I call the number that is listed on my statement as the corresponding number to call the merchant directly, the call gets disconnected asking the caller to email the company but there is no email given to the consumers. 
I also tried to resolve this issue with Chase bank because obviously they allowed unauthorized charges to occur on my card. 
Chase initially refunded me, then I received a letter saying that they will return the money to XXXX on XX/XX/year>. 
On XX/XX/year> I spoke with 2 Chase representatives and both assured me that they have taken notes and will leave the notes on my claim for the claim specialist. Today, it's XX/XX/year> the money withdrawn from my account back to XXXX. 
I must note that for someone to purchase something from XXXX Store must type a password or use the security code on the back of the card. My kids are very young and they wouldn't be able to use the password not to mention I never shared the password with them. 
I can not reach to XXXX, please notice the phone number listed on the pictures below. If someone call the number for unauthorized charges XXXX will not answer the phone. Chase bank is siding with XXXX as well. The second representative I spoke with told me that I am not the only consumer reporting unauthorized charges from XXXX and that's why the claim department exists. Even then Chase returned my money to XXXX.
Product: Credit card or prepaid card

Problem associated with a Wells Fargo credit card used for balance transfers. I used the credit card to make 2 balance transfers that occurred approximately 1 year apart. No other purchases were made on the card. The first balance transfer was for an 18 month period at a 0 % rate and the second balance transfer was for a 12 month period at a 0 % rate. I was making payments to cover the first balance transfer and had covered the initial balance transfer prior to the promotional expiration date along with amounts to begin payment on the 2nd balance transfer. The monthly statements did not show the remaining balances broken out by promotional offer so I was unable to see that they were applying the majority of the payment to the second balance transfer ( even though the rates were both 0 % and their disclosures indicated that the payments would be applied to lower APR balances before higher ones - it definitely was not clear that they were looking at some other rate besides 0 % ). I feel that the monthly statements were deliberately misleading in that the balances by promotional transfers were not broken out and they easily could have been since they were obviously tracking it. As a result, I found out 2 months after the expiration of the first promotional period that I still had {$500.00} remaining on the first promotional period ( that I thought I had repaid in full ) and interest began to be charged. I called Wells Fargo to complain and they waived the first month of interest but that doesn't correct the problem going forward. They should be required to clearly report outstanding balances by promotional period if multiple balance transfers are outstanding. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of credit theft and discovered fraudulent accounts on my credit report. I promptly requested that these accounts be removed by the credit bureaus. However, while some credit bureaus removed the fraudulent accounts, others did not. Some bureaus did not conduct a proper investigation or reach out to the credit card issuers to verify the fraud. This inconsistent handling has left some fraudulent accounts active on certain reports, negatively impacting my credit score and financial standing.

I have taken the following actions : Contacted each credit bureau to dispute the fraudulent accounts. 
Sent documentation proving the theft and requesting removal.

Attempted to follow up on the investigation, yet some bureaus failed to provide updates or communicate with the credit card companies involved.

The unresolved accounts are impacting my credit score and limiting my ability to access credit and other financial services.
Product: Credit reporting or other personal consumer reports

I submitted identify theft reports to all three credit bureaus along with a printout of section 605B of the FCRA and proof of my identity requesting that specific accounts be blocked from me credit report, as I just found out they were opened by an unknown entity after the XXXX data breach. According to the FCRA this information must be blocked within four business days of the bureau receiving proof of the identity theft, but this has not occured.
Product: Credit card or prepaid card

I was scammed by a third party, XXXX XXXX XXXX XXXX to purchase high end computers. The cards in question were paid off within 24 hours opening up the line of credit to make more purchases. Within a week, I was able to purchase over {$64000.00} worth of electronics equipment and was defrauded out of everything. I spoke with the Company representative, XXXX XXXX, 2-5 times daily. The cards in question are as follows : Barclays {$11000.00} ( last 4 of card # XXXX ) XXXX XXXX {$17000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$2100.00} Total {$64000.00}
Product: Credit reporting or other personal consumer reports

Experian knows that this XXXX  XXXX XXXX account on my credit report has exceeded the Statue of limitations allowed its been over 10 years old. By LAW any accounts older than 7 years Need to be deleted off your credit report. Its against the law to be reporting old accounts thats over 7 years old and its also violating my consumers rights. Must be deleted
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Equifax for reporting inaccurate information on my credit report, which I believe is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The issue pertains to an account opened with XXXX XXXX on XX/XX/2021. Equifax 's report erroneously shows a date of delinquency for this account as XX/XX/2021, which is factually impossible as the account was not even 30 days old at that time. Additionally, the report paradoxically marks this account as paid for the same month, XX/XX/2021. 

Despite my repeated attempts to dispute this error through the proper channels, Equifax has failed to conduct a thorough and fair investigation, seemingly relying solely on information provided by XXXX XXXX without independent verification. This negligent approach has caused significant harm to my credit standing and overall financial reputation. 

The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information reported and properly investigate disputes raised by consumers. Equifax 's actions, or lack thereof, are in direct violation of these stipulations. 

I demand that Equifax conducts a proper investigation into this matter and rectifies the error immediately. Additionally, I seek guidance on pursuing legal action for this apparent violation of my rights under the FCRA. 

Please advise on the appropriate steps to escalate this issue, including the process for initiating legal proceedings against Equifax for their failure to comply with the FCRA. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 the 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 that 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 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 XXXX XXXX XX/XX/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 or other personal consumer reports

XXXX XXXX, XXXX # XXXX, XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant of FCRA ~ 605B ( 15 U.S.C. ~ 1681c-2 ) that you XXXX credit reporting agency block information appearing on my consumer credit report that is the results of identity theft and fraud within four business days of you receiving this complaint, this fraudulent inaccurate and false information. Consists of XXXX XXXX XXXX under account number XXXX, opened XXXX XXXX, XXXX. XXXX under account number XXXX, opened XX/XX/XXXX with a balance of {$0.00}, Hard Inquiry XXXX Card on XX/XX/XXXX these accounts have resulted in fraudulent collections and late payments appearing on my consumer credit report.I have attached a copy of the consumer credit report maintained by you which shows the affirmation fraudulent items. I do not recognize the mentioned accounts collections as reported in the affirmation account of identity fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested via mail my Free Annual Credit Report. Instead, I get a post card notifying me that they are unable to provide me my credit report, but there is no identification information as too whom it is from. The other post card states practically the same thing but identifies itself as XXXX XXXX. This appears to be an attempt to deceive or at the very least mislead consumers as it violates the FCRA by delaying my credit report or simply in order to discourage me from obtaining the report, much less attempting to resolve errors contained in them. I've verified the address my creditors and it is the very same one I am requesting my Report be sent. Their attempt to extort information is simply data mining from consumers by holding hostage their credit report.