23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had several fraudulent charges appear on my account. 
All charges happened at the exact same time and fro the exact same ammonts {$100.00} each. 

I did not make or authorize any of these transactions. 

I opened a dispute with PayPal and was quickly denied any recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit cards to 3 creditors XXXX XXXX XXXX XXXX XXXX XXXX : they said they used Experian to check my credit and they decided by themselves according to their own policy if I have more than 5 credit card last 2 years to disapprove although my score is XXXX and they answered you cant open credit cards with other creditors I answered I don't have any card with XXXX but I have the right to apply to any credit with any creditor they said NO this discrimination against me and the USA is not running credit by XXXX XXXX XXXX : they are the worst they send me a report telling me they used Experian and they said the same XXXX plus they accused me that I did not pay my balance last 12 months and Experian denied that in their report and I could not get approved by XXXX I have the report as well Experian report XXXX XXXX : I called they said you are not approved we will send you mail to tell why you not approved after we receive reports from XXXX XXXX, XXXX, Experian I asked can you tell me why you disapproved of me before you get these reports there is no Answer
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XXXX  Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX  Delete this account.
Product: Credit reporting

VA paid for an emergency visit. For service connected vet the credit people post the debt as the vetransand shows collections .same with forgivin student loan. Shows serious delinquintcy in all XXXX cases and ruined credit. The student loan is 15 yrs old the originators of the emergency debt even wrote a letter requesting it to be taken off with no avail. Help
Product: Student loan

XXXX though American Education Services loan has a billing disgrepancy and an error reporting. According to the loan statement dated XX/XX/2018. Loan for original balance XXXX total principal satisfied XXXX showing this information on the monthly statement.

When principal is satisfied the loan is paid and no further interest should incur. They are still asking for payments of $ XXXXfor a total XXXX at the time.

Still making payments but this should be a paid off loan if the principal has been satisfied I feel like they are trying to get more money out of me. Please have my account looked over for accuracy. I called but was not given a reasonable explanation as to the billing presentation on the monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the Equifax data breach and may have been exposed to the wrong person.
Product: Credit reporting or other personal consumer reports

To whom this may concern ( XXXX ) I have recently received my credit reports and noticed that an account was removed from XXXX of my credit reports but is still on my XXXX report, I am writing this letter to dispute the following accounts : CAINE & WEINER Account Number # XXXX, Reported : XXXX. XXXX, 2024. XXXX and this collection agency are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Credit reporting or other personal consumer reports

This is my second complaint with CFPB for XXXX for reporting the incorrect status on a closed unsubsidized student loan. There is ABSOLUTELY NO WAY an account can be current to 90 days late in a month with no prior late payments. The student loan was opened on XX/XX/XXXX, and closed in XX/XX/XXXX by consolidation. XXXX continues to report 90 days late incorrect payment history, payment status, current payment status, and worst payment status for this closed account. The account should show all on-time payments and never late. The account number is XXXX. I have also attached screenshots of Transunion and XXXX credit bureaus where the inaccuracies are being reported.
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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 the blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting Wells Fargo Bank NA has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that Wells Fargo Bank NA may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, Wells Fargo Bank NA charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. Wells Fargo Bank NA is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my inability to access my Equifax credit report and scores. Despite multiple attempts to retrieve my credit information, I have been unable to do so. This issue is causing significant inconvenience and potential harm to my financial standing.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to access my credit report and scores. Specifically, the FCRA mandates that credit reporting agencies provide consumers with access to their credit information upon request. The relevant sections of the FCRA that support my dispute include : Section 609 : This section grants consumers the right to obtain a copy of their credit report from credit reporting agencies. 
Section 612 : This section entitles consumers to a free credit report once every 12 months from each of the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Section 611 : This section requires credit reporting agencies to investigate disputes regarding the accuracy or completeness of any item of information contained in a consumers file within 30 days of receiving notice of the dispute.

Given these provisions, I request that the CFPB intervene to ensure that Equifax complies with the FCRA and provides me with immediate access to my credit report and scores. Additionally, I request that any errors or issues preventing access be promptly investigated and resolved. 

Please find attached copies of my identification documents and any relevant correspondence with Equifax regarding this matter. 

Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter.
Product: Mortgage

I HAVE REACHED OUT TO NEWREZ/XXXX  TO DISCUSS OPTIONS AVAILABLE TO AVOID FORECLOSURE. HOWEVER NEWREZ/XXXX WASHES THEIR HANDS BY STATING THAT THE INVESTOR WILL NOT ALLOW ANY OTHER MODIFICATIONS BECAUSE I ALREADY REACHED THE MAXIMUM NUMBER OF ALLOWABLE MODIFICATIONS WITH CAPITALIZATION. YET MY LOAN IS ONLY FOR 30 YEARS. HOW CAN I HAVE REACHED THE MAXIMUM ALLOWABLE CAPITALIZATION IF MY LOAN IS STILL THE SAME TERMS. BECAUSE OF THE COVID PANDEMIC MY JOB LOST A LOT OF CONTRACTS CAUSING US THE INDEPENDENT CONTRACTORS TO WORK LESS HOURS. THANKFULLY WORK HAS PICKED UP AND I AM NOW IN A WAY BETTER FINANCIAL POSITION. I AM TAKING RESPONSABILITY FOR BEING LATE ON MY MORTGAGE PAYMENTS. HOWEVER I NOW HAVE THE MEANS TO RESUME MAKING MY MONTHLY MORTGAGE PAYMENTS WHICH IS WHY I HAVE BEEN ASKING FOR MORTGAGE ASSISTANCE. 

I HAVE ASKED FOR PROOF OF THIS MIXIMUM CAPITALIZATION THEY SPEAK OF AND TO THIS DATE NONE OF THE REPRESENTATIVES NOT EVEN THE POINT OF CONTACT CAN TELL ME WHAT THIS MEANS. OR HOW THIS IS APPLICABLE TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about my JPMorgan Chase Freedom Credit Card. I applied to Chase bank on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my XXXX  and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the Chase Freedom Card on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. 

XXXX Inquiry details Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 

Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 

Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 


XXXX  JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I paid merchant $ XXXX for materials and labor ( for a home renovation project ), half the cost of the total job ( $ XXXX ). The merchant was supposed to provide me with receipts justifying the costs, he never did. When the work was complete, there were several issues with the work. Walls were not fully painted, holes in drywall, cracks in the walls, new flooring is separating, needed electrical work was not done, and no permits were ever filed with the city. Later an inspector came and said the new wall and flooring has to be removed. 

On XX/XX/XXXX, I filed a dispute with the credit card company stating that the services are not satisfactory and were not fully completed. 

On XX/XX/XXXX, the credit card company responded stating the charges are valid. They did not provide any details as to how they came to this decision other than " Based on the information available. '' On XX/XX/XXXX, I submitted photo evidence of the unsatisfactory work to the credit card company. I also provided copies of the multiple invoices and text messages with the merchant about him not completing the electrical work. At this time there were squatters living in my home ( family of the merchant ) and I could not provide additional photos ( other than those already provided ) of the unsatisfied work. 

On XX/XX/XXXX, I told the credit card company that their website says that if I am not satisfied with the service, than it is a charge error. I recapped everything that is going on and listed why this is a charge error, per their own website. 

On XX/XX/XXXX, after the eviction and I gained access to my home, I sent the credit card company additional photos of dissatisfied service. 

On XX/XX/XXXX, the credit card company responded " While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. '' On XX/XX/XXXX, the credit card company responded with the same message without explaining any details of what they based their decision off of. They end the letter with " Since we have conducted a thorough additional review of your dispute and can not find a valid billing error, future correspondence from you regarding this matter will be reviewed and placed in your file ; we will not send a response. '' On XX/XX/XXXX, I again asked the credit card company to please provide me with the details and information used to make their decision. I also asked them to have a manager contact me and not a " Customer Service Specialist ''. 

No response. I later asked if they can give me a history of all the documents I uploaded to them ( I am not able to access ) and they said they could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank allows customers to signup for their credit monitoring service Chase Journey.

I tried canceling this service however their customer service agents dont understand what it is. I want Chase to stop monitoring my credit im no longer a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit card

I have an XXXX XXXX XXXX credit card through Barclays. Two times in the last year they have sent me an email notification requesting payment plus a {$29.00} late fee. The first time I called to complain that I never received a monthly statement informing me of payment due date, they begrudgingly issued a one-time late fee reversal. They never informed me how to make sure I receive regular statements to avoid the late fee. This last statement, I was again informed of payment due + {$29.00} late fee without ever receiving a regular monthly statement. When I called today, they refused to reverse my late fee since one had already been reversed in the last 12 months. They also informed me that I have not been receiving electronic statements that I signed up for via email or text because I would need to sign in to my online account to view my statement. I am a XXXX XXXX XXXX XXXX who is familiar with online banking, but this is by far the most nefarious case of elder abuse to make it hard for people like me to get statement notifications by making the process too hard.
Product: Debt collection

The company Radius Global Solutions calls and harasses me regularly regarding a debt which is not in my name and not in the name of anyone I know. They call repeatedly from ( XXXX ) XXXX. I informed the company on XX/XX/2022 and XX/XX/2022 that I have no information about the debt they are trying to collect and it is not a debt in my name. I asked them to stop contacting me. Since XX/XX/2022 Radius Global Solutions has called me 24 times.