23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted letters to XXXX, TransUnion and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

I used my XXXX credit card through PayPal. I took up a dispute with PayPal and they closed the case and denied it so I can not reopen it. I was charged {$77.00} for a scam website offering XXXX shoes for sale. The website claimed to be selling XXXX brand shoes, it was called XXXX but when you hit complete payment it turned into a company with all XXXX lettering for the payment source. You can no longer find the website online. I did not receive my package as well, so I know now it was definitely a scam. My package said it arrived on XXXX through XXXX XXXX. Also this company XXXX XXXX XXXX XXXX won't respond to my emails. The emails won't go through which another source they are a company committing fraud. PayPal has been completely unhelpful to give me a refund.
Product: Credit reporting or other personal consumer reports

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A XXXX XXXX XXXX WOULD LIKE FOR THE CAR TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION XXXX XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/year> {$46000.00} INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Product: Student loan

I attended XXXX XXXX University in XXXX XXXX, XXXX. To fund my education, I received XXXX loans through Sallie Mae ( later XXXX ). Over the course of my loan payback period following graduation, I attempted to make extra payments toward the principal of the loan. Each time, the additional amount paid would be applied toward the interest, or the following month 's payment. After several calls and emails with their customer service department, I was told I would need to submit my payments by check, with a hard copy of a signed letter ( each month ), directing the additional funds be applied toward the principal. Each month. With each payment. For several months I did exactly this, sending a physical check and signed hard copy of my request with my payment through USPS. The payments were never applied correctly ( not once ) but still were applied to the following month 's balance due. After a while, I just gave up and settled in for the life of the loan paying only the minimum due because I did n't have the time or resources to send a hard copy letter and check each month. I have email correspondence between myself and Sallie Mae to support everything I have stated here ( email exchange attached, as well as letter I had to send with my payment month - still unsuccessfully applying additional payments ).
Product: Checking or savings account

My account has been suspended since XX/XX/2024. 

When I tried to move the money to my other bank account ( under my same name ), they put my account on an unfair restriction and have not been able to access my money up to this date ( XX/XX/2024 ). 

They have put my money on hold for months now. 

I want to close the account at this point, but they won't let me. 

No answer, no information. I have called multiple times and they are not able to give me an answer either, they keep saying they can not tell me anything and that I will hear from them soon. 

My fear is this is retaliation for me moving money out of their company.
Product: Prepaid card

This is the second gift card I have and I would like a refund check. These cards dont work anywhere. I will never get another card like this. Called and got no resolution from someone who couldnt understand what I was saying
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$XXXX} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under XXXX15 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

My credit report has inquiries reporting that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a copy of my XXXX, XXXX, and Equifax credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, XXXX Card, XXXX Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX reported on my credit report stating I opened an account on XX/XX/XXXXXXXX  with XXXX XXXX I provided documentations to show proof that this information reported was incorrect. Instead of removing this incorrect information off my credit report, they reported that I opened this account on XX/XX/XXXX, which is incorrect information again. I do not have no knowledge of this account at all. They are defaming my name by deliberately trying to keep this incorrect information on my credit report. They have not provided me with any documentation of proof that this debt is owed.
Product: Credit reporting or other personal consumer reports

A dispute of XXXX account was filed and approved for removal but has not been removed. The account was added to the Credit again as a new accounts
Product: Credit card

My credit card statement from US Bank, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX, showed a balance due of {$770.00}. I transposed, in error, the cents and remitted {$770.00}, a difference of XXXX cents. For this slight error they billed me for {$8.00} in interest. That 's XXXX times the shortfall and it seems ludicrous to me. I called their customer service phone number as I did n't realized that I had transposed the cents and they explained the {$8.00} interest charge was a result of of XXXX cent error, and made no effort to resolve what I thought was an extraordinary interest charge.
Product: Mortgage

Amerisave Mortgage Corporation charged me a {$500.00} application fee on XX/XX/XXXX to process my refinance application. Started the loan process with loan originator XXXX XXXX. 
Was sent disclosures including Loan Estimate which I was told was the 'worst case scenario ', that rate would not go up though not yet locked, and it would close in 45 days at the most, with no appraisal required. Provided all requested documents. 
XX/XX/XXXX told loan conditionally approved, asked to send insurance documentation for both HOA umbrella policy, and my condo policy to reflect Amerisave as the lender and to include their loan number. XXXX XXXX leaves a voicemail saying everything looks good, we'll be closing in less than 2 weeks. XX/XX/XXXX loan processor XXXX XXXX emails me that nothing else is needed from me at this time. By XX/XX/XXXX I have not gotten status from XXXX or XXXX, though it now shows on my loan status page that rate lock expires XXXX ( I was never notified when it was locked ), and must close by XX/XX/XXXX to avoid an extension. 
I have given them everything they've asked for, and when I ask if anything else is needed, no reply. I leave urgent messages to speak to manager, which are ignored until I say I'm going to file a complaint with the XXXX. XX/XX/XXXX manager XXXX XXXX calls me and assures me he's going to help. He tells me there's a problem with my year to date income, coming in below what is normal for my stated annual income. I explain that I was on furlough due to Covid for 3 months, but have now been back for 3 months and will make stated income ( even during furlough I made the income due to Unemployment Insurance ). Today I got a no reply automated email from Amerisave saying they have closed my file due to it being incomplete and they are denying the loan. I believe this is a scam to not honor the loan rate that they committed to. The email has a link that will supposedly download a document with details on why I was turned down. When I click on it I get a message saying I must log in, but when I do, link not available just a statement that " You are all caught up '. I have been lied to and given the run around for almost 2 months. I want them to honor what they said when they constantly told me the loan was going to close soon. I could have pursued a mortgage with another company, so at this point I have been placed in a difficult position due to their dishonest business practices.
Product: Checking or savings account

Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. 

It is unclear why they will not honor their own policy to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : SELF EMPLOYED - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, filed a complaint XXXX XXXX of this year About struggling to make payment with this high interest loan and would like to have it discharged. Navient denied my request but replied that I met the criteria to apply for a School Misconduct Discharge. I applied, waited a month later and denied with a very bland and unpersonable response.Navient is unable to give a detailed clarification to exactly why i am denied this discharge. I was told to wait 2 weeks by mail to give an reason why when I could've given an answer with the month i was waiting. I was given false hope to fill out this large application and gather sources to multiple reasons why my school committed fraud and Navient cant even meet me at the middle. The attachments are the sources, application filled and my denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.
Product: Checking or savings account

I opened up an account with HSBC. I was with HSBC in the past when I lived in NY and it was under XXXX XXXX  owned and managed by the XXXX XXXX. At that point, XXXX was a great bank and treated me well. IN 2024 I wanted to start again because I liked what I experienced in the past. This time so far I have been treated with disrespect and the bank refuses to return my money to me. What happened was I opened an account and was waiting to use it for direct deposit from my employer. I made a small deposit to see if it worked making check deposits. I waited XXXX to 6 days the check never cleared I stopped payment on it because I saw it was not processing. Since XXXX. I never received an email from HSBC that the deposit went through XXXX. There was never a time frame on how long it would take for the check to clear. For most normal banks it takes XXXX to 2 days. nothing from HSBC. My employer then submitted my direct deposit from my salary. At the same time, HSBC closed my account without notifying me that this was going to happen. Instead of them being mensches and returning the deposit to XXXX so my employers can send me the money in other ways. hey have held on to the deposit when my employer called I called ADP the bank has not helped return my money to any of us. Their excuse is we are in the process of closing your account. I told them to close an account you don't need to hold on to money that does not belong to you. Close it and give me or my employer the money back it has been XXXX weeks and we are still holding here. The customer service is awful there is no communication and I have called them most of their operators sound like XXXX XXXX XXXX they don't speak XXXX there it is like hitting your head against the wall. I have had enough. I want the bank to XXXX  my money to me XXXX or whatever carrier they use and I never want anything to do with this bank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX 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: Debt collection

I have attempted to contact this company due to me not knowing what this debt is for and, I have not received any proof of me owing a debt to Managed recovery system.
Product: Consumer Loan

Employees of this office were the not truthful about payoff amount. Employees were very rude and not professional. This business leave derogatory remarks on your credit report even when you are up to date on payments, or when you pay off loan early.
Product: Debt collection

After several attempts, asking ProCollect to send me a copy of the debt they are trying to collect, they continue to refuse to send me any information regarding this alleged debt.I have called and spoke to several different representatives for the past 6 months and asked for proof of the debt to set up a payment arrangement if this is in fact, a debt that I owe. ProCollect continues to refuse to send me any information but insisting my only option to rectify this situation is to pay the debt in full. This debt is holding me back from joining the United States XXXX and they refuse to work with me in any way.
Product: Debt collection

Complaint number XXXX. 

Previous request to JP Morgan Chase have been ignored. Initial complaint number XXXX with the CFPB was filed and has not received any response. 
Please request JP MPRGAN CHASE to a resolution. Also please advise if filing a complaint with the Justice Department.
Product: Student loan

Navient has been harassing me with over 15 emails with in a 3 hour period/calls- I spoke with them and negotiated a interest rate repayment plan- they took over 300 $ from me on XXXX XXXX. This apparently will not be reflected on my account for over a 3 pay period which is exactly why they have a lawsuit. They have not reflected my account that I am current which is EFFECTING my CREDIT REPORT- I have spoke with a representative XXXX who Both Times- I have screen shots of the amount of emails and records myself of payments made and when and confirmations of getting account to up to date and I know Navient records there conversations as well- I have had this account t since XX/XX/XXXX, XXXX I have been harassed by student loans more then half my life- Im tired of this-