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

Chase closed my Chase Sapphire Reserve credit card. This card was up to date, had no balance. They closed it because of inactivity and STOLE all the points I had earned. 
This card is specifically marketed as being for travel. I had not used it due to the pandemic and the limitations on travel. 
Without notice Chase closed the card, denied me access to the account, and stole the points. 
This is a SCAM. They are making millions and millions of dollars a year stealing points from people who have open and up to date accounts. Once closed the customer has no repercussions. I was told today XX/XX/21 there was none else to talk to and my account was closed. Forever. 
Points have a real world monetary value. This is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a XXXX XXXX XXXX on my credit report. I have already contacted the Bankruptcy court to ask if they provided this information to them. They sent me a letter advising they never provided this information to them. I have sent several requests requesting that they remove this information but they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX CAPITALONE Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

Recently I bought a house and applied a loan from Freedom Mortgage Corporation. The loan application was handled by XXXX XXXX XXXX XXXX. 
Initially the closing date was set as XX/XX/2019. XXXX XXXX XXXX XXXX locked my rate for 3 days. This lock expired on XX/XX/2019. In other words, the lock covers three days, namely XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
Later, due to the title company 's issue, the closing date was changed to XX/XX/2019. XXXX XXXX XXXX XXXX extended the lock from 3 days to 9 days. The new lock expired on XX/XX/2019. It  covers XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Obviously, there is a 3-day overlap between the length of the initial lock and that of the new lock. I was double charged for the 3-day overlap in the closing disclosure. 
However, XXXX XXXX XXXX XXXX only reimbursed me the cost of 2-day overlap. I argued with XXXX XXXX XXXX XXXX but I was rejected. I file this complaint to get my money back. It is the cost of one-day lock and is {$68.00}. 
Thank you!
Product: Debt collection

XXXX XXXX XXXX XXXX trying to collect a debt belonging to the XXXX debt collector. The debt originally belonged to Commentity Bank who sold it to XXXX.I was contacted by XXXX credit monitoring that XXXX XXXX reported to the Credit Bureau. I contacted both parties and XXXX said the are the owner of the debt. I contacted XXXX XXXX and they hung up the phone. Date XXXX XXXX. The amount owed is {$520.00}. I requested that XXXX send a letter to me with the collection amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriSave Mortgage Corporation made an unauthorized hard inquiry on my credit after I explicitly told them not to. I requested a mortgage quote through an online portal with AmeriSave Mortgage Corporation, XXXX ID # XXXX. A agent contacted me to go over the information. The agent explained they needed more information then what I provided online to give a more accurate quote. I explicitly told the agent DO NOT make a hard pull/inquiry on my credit. They ensured me they would not need to make a hard inquiry until we were ready to move forward and since I was shopping around a soft inquiry would be enough to provide a quote. They also did this on my wife 's credit as well. 
I still get almost daily calls about refinancing. I have asked each time to be removed from their call list and two times I explained my situation and asked to talk to someone in who can take a formal complaint I am transferred to a department that is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma Always telling me I had a high chance to get approval on credit cards, buy now pay later, and personal loans but I would put my information in to these places and get turned down for credit then I started receiving phone calls, emails and txt messages from spam mail.
Product: Debt or credit management

I am writing to formally dispute the validity of an account that appears on my credit report. The accounts in questions, XXXX, XXXX, XXXX, XXXX has been reported as opened without my authorization and contains charges that I did not make. 

I became aware of potential identity theft and fraud concerning my personal information back in XXXX. As a precautionary measure, I contacted the appropriate authorities and was advised to freeze my credit until the issue was resolved. Despite taking this action, it appears that my concerns were not adequately addressed, and unauthorized activity has still occurred on my credit report. 

Under the Fair Debt Collection Practices Act, Section 1692c ( e ), I am entitled to dispute the validity of any debt claimed by a debt collector. I am exercising this right and requesting immediate removal of the aforementioned account from my credit report.

I urge you to conduct a thorough investigation into this matter and provide me with written confirmation of the actions taken to rectify this situation. Additionally, I request that any charges associated with this unauthorized account be removed promptly to prevent further damage to my credit standing. 

Please consider this letter as a formal request for resolution under the provisions of the Fair Credit Reporting Act. I expect a timely response and resolution to this matter. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX XXXX contacted Wells Fargo Bank by phone to transfer funds from my checking account into a savings account. I was told that I could do this by phone and was transferred to an employee named XXXX in Minnesota. He read multiple disclosures and then set up the savings account. I asked the agent to link the new savings account to my existing debit card. The agent said he could but that he would have to send a new card with a chip. He confirmed that the new card would have the same number as the old card and that my card would remain active until I activated the new one. The card would be sent via mail. 
After a day of shopping and using my current debit card on XXXX XXXX I attempted to use my debit card at am ATM only to be declined. I called Wells Fargo Bank only to be further humiliated when I found out that I could no longer use my old debit card and have no access to any of my funds via my debit card until I receive the new one in the mail. Per my email from Wells Fargo the card was mailed XXXX XXXX and I should receive it in 5-7 business days. Until that time I have no access to any of my funds. Because of Wells Fargo 's inconvenient business hours, I can not utilize branches and rely on debit purchases and ATMS for cash. 

Here 's where I am now. I have no way to purchase groceries, no way to purchase gasoline for my car to go to work and {$4.00} in cash. Wells Fargo is holding my money hostage. I believe they have damaged me and that I deserve compensation. I would appreciate your assistance in this matter.
Product: Credit card or prepaid card

Card limit went from {$7000.00} to {$4000.00}. This caused my credit utilization to drastically increase! Citibank says it was from change in debts and credit score. There has been a decrease in debts and increase in credit score. I called Citibank and got no where with fixing the  issue. I was forced to pay my balance in full to avoid any negative impact to my credit. 
The only explanation is Citibank used a false explanation to decrease my credit limit to purposefully attempt to get extra money from a customer via causing fees, higher interest rates and fees, and over limit fees. Thankfully, I was able to pay in full, others likely cant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Accounts and Inquiries Reference Numbers : FTC Complaint : XXXX CFPB Complaint Dear Sir or Madam, I, XXXX XXXX, hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- - Additional Requests : Adhere to the consumers complaint -- - Thank you for your prompt attention to this matter. Please provide confirmation of the actions taken to resolve this issue. I can be reached at the address provided above should you require any further documentation or clarification. 

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

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Product: Vehicle loan or lease

My whole life I have been having problems getting credit. My father has been stealing my identity since I was born. There has been tons of jobs under my social and car loans. I never could get a line of credit because had everything under my social. He recently has filed bankruptcy in another state twice and they still havent removed them from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One lied and did not remove the negative impact to my credit report. 
They are also trying to put my business credit card past due again, despite us being shut down due to Covid and confirming that they would via email.

So in 7 days I will get ANOTHER False negative report on my credit. I'm very upset that I'm being treated this way and they are sending me false letters and not followingthrough with what they say and negativly impacting me. 

This caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my credit in 2020 after 8 months of calling this is still an issue. 

They have consistently refused. 

This is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report
Product: Student loan

I made my final payment on my student loan XX/XX/year>. I canceled my scheduled auto debit beforehand but the extra auto-debit payment still went through so now I am owed {$300.00}. My mohela account says that the refund was issued on XX/XX/year> but I have not received my refund. I was told they do not handle to refund processing, the treasury department does. It has been almost 5 months now and I still do not have my refund. This is ridiculous since I never missed a payment on my loans and paid them early. Now I feel like I am being punished for that.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is stating I have an XXXX XXXX Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that XXXX XXXX does not report incorrect information on a person 's credit report needs to be ensured going forward.
Product: Debt collection

I recieved a phone call from an agent with Exeter Finance LLC on XX/XX/XXXX at XXXX. After some conversation about a payment arrangement date, he began threatening me and saying that I was going to be breaking my contract. After he said that I would breach my contract, I began to ask him about the terms and conditions on the contract. I then told him according to the contract that the Ceo of Exeter Finance had sent out via the last cfpb complaint number XXXX, I saw two different total amounts financed and different numbers regarding the time of the monthly payments and total amount financed in the Federal Truth in Lending section. He then argued that he did not see that on the contract. I then asked who is Exeter Finance Corp and he said that used to be the name of the company. I then asked when and he could not tell me. He said that his higher ups passed the information down. I then said if that is not the name of the company, then why is that name on the retail installment contract? He couldn't answer the question. Also referring to complaint number XXXX, I asked him again about the four calls within a 2 hour period and I told him that it was harassment and excessive according to 15 USC 1692D5 . He said he had no knowledge of that call.
Product: Mortgage

My loan servicer merged with Mr. Cooper ( aka Rightpath ), which is really the same company, and refuse to post the funds to my account, refuse to investigate my account in a timely manner, and are illegally trying to foreclose on my property. This is called stealing. Rightpath has already sent me notices of collection, potential foreclosure and threatening to post negative information to my credit reports. This bait and switch is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Mr Cooper / Righpath needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 with my previous mortgage servicer without resolve. I have once again provided proof that my payment was received by XXXX / Rightpath and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped. According to their own letters I have 60 days before any negative action is taken but Rightpath constantly contradicts itself in an attempt to cause damage to it's customers which are the citizens of this country.
Product: Debt collection

2017 my medical Insurance was suppose to cover my whole procedure. XXXX did not let me know that on the day of the procedure, it was not going to cover since my medical Needed to be renewed because it had expired. XXXX still proceeded and charge me without my consent. The company I owe then came after me telling me that I owe when I Wasnt aware about my medical Been expired.
Product: Credit reporting or other personal consumer reports

Experian has failed to full fill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has filed a lawsuit against experian alleging systematic issues such as failing to forward consumer provided information to furnishers, accepting unreliable responses and failing to notify consumers or responses. These failures align with my experience with experian. Experian has not corrected nor removed any of the mis reported accounts or information. I am requesting immediate removal or amend the disputed accounts and information as experian inaction violates federal law and violates my rights as a consumer.
Product: Money transfer, virtual currency, or money service

My business uses XXXX ( will be closing that account after this is resolved ). They in turn using a company called webpay to process transactions. 

XXXX was taken by webpay to be sent to me but all of a sudden they for no reason whatsoever said my account was closed. They have to hold my funds for 120 days and there is no explanation or anyone to talk to. I sent email that was not replied to and this is even worse by closing my account I havent been able to take payment from other paying customers. Please refund me my XXXX. I need this money I have bills to pay that cant wait for this fraudulent company. I need my funds ASAP
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I helped a friend purchase a french bulldog. The seller insisted on using XXXX but my friend couldn't get the money to go through. I offered to use mine through my bank. Collected her money, added the sellers email, who was quickly acknowledged through XXXX. I sent payment and in memo put what and who it was for. The puppy was to arrive today but when the currier called to tell them they needed {$600.00} XXXX giftcard for a proper cage and the buyer was contacted phone was turned off and buyer no longer able to be reached. I called my bank and tried to get them to do something they said nothing could be done. I contacted XXXX 's XXXX # but they said if done using the bank you have to settle issue with the bank. If my bank is going to support a company and not insure the money or protect against fraud like they would do with any other way of me paying for something then they need to help investigate this incident like they would everything else! The person should no longer be allowed to use XXXX pay they need the bank that is allowing them to use XXXX pay to know these people are criminals. I studied for my investment license recently and this seems like something that should not be allowed to go on through our prestigious banking system. I bank with JPMorgan Chase. This is outrageous that nothing is being done by my bank!
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint to EXPERIAN regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX  I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on EXPERIAN to safeguard my information and furnish accurate credit reports. 

Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning medical collections. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files.

I appreciate your prompt attention to this matter and trust that EXPERIAN will take the necessary steps to address and rectify these inaccuracies promptly.
Product: Student loan

I borrowed {$16000.00} and graduated from XXXX XXXX in 1991 and defaulted on loan cause school was a big lie about getting a good job. Theyve been garnishing my wages for 20+ years and have taken over {$70000.00} and yet I still owe about {$8800.00}. Loan was originally managed by XXXX  XXXX XXXX and sold to navient. How much long will this private continue to take advantage of me. Any help and / or guidance on this matter would be greatly appreciated because Im XXXX XXXX XXXX and Im tired of struggling week to week with paying my bills. Sincerely XXXX XXXX.