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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

A hard inquiry by " FACTUAL DATA '' on XXXX XXXX XXXX  was added on my credit report that I did not authorize.
Product: Credit card or prepaid card

I called and wrote a letter disputing late fees and interest in the amount of {$28.00} charged in my XX/XX/XXXX-XX/XX/2020 statement. Full payment in the amount of {$37.00} was sent via electronic funds transfer on XXXX XXXX prior to te due date and in a timely manner. The previous month full payment in the amount of {$400.00} was sent in XX/XX/2020 and no late fee or interest was charged. When I called I was given the run around and they would not remedy the problem. I then wrote a letter dated XX/XX/2020 and as of this date have received no response. I checked with my bank and was informed that the dates of payments for both months were correct.
Product: Mortgage

Ive been denied twice for the same loan even thou they approved it the first time they denied it because they said it was a clause in the appraisal which said the neighborhood had to many vacant and burned down houses! XX/XX/XXXX was the first denial on the date of closing in which they still is beneficiary on my insurance! And XX/XX/year> they denied me for not enough collateral even for Ive been telling them that I will take XXXX loan. And my appraisal wasnt done to until XX/XX/year>. Which came in lower and I couldnt even speak with them about the reason.
Product: Checking or savings account

I am writing to express my profound concern and dissatisfaction with JPMorgan Chases recent policy changes regarding the checking account fees, which I believe disproportionately impact economically disadvantaged customers. This policy not only undermines financial inclusivity but also exacerbates the economic challenges faced by the lower-income demographics.

It has come to my attention that Chase has decided to double the fees associated with maintaining a basic checking account. This decision is particularly disheartening and appears to be profoundly unjust, as it targets those least able to afford such increases. While any fee hike is a burden, doubling them in a single policy update is both severe and unreasonable. It is essential to recognize that for many individuals, a checking account is not a luxury but a necessity for managing their personal finances, receiving income, and paying bills. 

Furthermore, it is troubling to perceive that the additional revenue generated from these increased fees on basic checking accounts is contributing to a cycle of wealth accumulation at the very top, enabling a lifestyle of extreme luxury, such as yacht ownership, for the wealthiest individuals. This stark contrast in lifestyle opportunities, seemingly funded by those at the bottom of the economic ladder, is morally unsettling and paints a picture of a banking system that favors the rich at the expense of the poor. It prompts the frustrated outcry among many : " eat the rich. '' In light of these points, I urge Chase to reconsider this approach and seek ways to structure its fee strategies in a manner that does not disproportionately impact its most vulnerable customers. Adopting a more progressive fee structure or providing more robust waivers for low-income individuals could be potential solutions. It is crucial for Chase to align its business practices with principles of fairness and social responsibility, particularly in these challenging economic times.

Thank you for considering this critical issue. I look forward to your response and to seeing how Chase plans to address these concerns moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX XXXX XXXX account number ending in XXXX is being reported on my Equifax credit report. 

This account does not belong to me and was never used by me. 

I contacted XXXX and they advised me that this is an account that belongs to another primary account holder and I am listed as an authorized user on the account. 

Due to the status of the account ( charge-off ) XXXX was unable to remove me from this account. and they are refusing to remove this negative account from my credit report. 

I never authorized this account to be opened in my name. 

I request that this account be removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/2021, I received an offer in the mail to sign up for the XXXX XXXX American Express card. The offer was : Earn a XXXX bonus points, a {$100.00} statement credit and 0 % APR for the first 12 months. I signed up through the XXXX XXXX app, which also had the offer available to me on XX/XX/2021. 

On my first statement from American Express I did not incur any interest charges. I did receive the XXXX bonus points and the {$100.00} statement credit but since XXXX I have now been charged with 4 separate interest charges ; XX/XX/XXXX - {$51.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$100.00} and XX/XX/XXXX - {$97.00}. 

On XX/XX/XXXX, I initiated a chat with a representative asking about the offer and an investigation was opened, I was told to follow up in 10-15 days. 
On XX/XX/XXXX, I followed up and was told that the investigation was still open and being reviewed. 
On XX/XX/XXXX, I followed up once again and was told this was a " new '' offer that was emailed to me on XX/XX/XXXX and didn't apply to me on XX/XX/XXXX. I told them I had a mailer that I received on XX/XX/XXXX and a screenshot of the offer in the XXXX app before I applied. I was told to send them the documents in the mail or by fax. I then faxed the documents that day. 
On XX/XX/XXXX, I followed up to see if they had received my faxed documents. The representative said that documents should be uploaded to the document center not faxed in. So I then upload the same documents through the link provided. 
On XX/XX/XXXX, I followed up to make sure the documents had been seen. I was then told that they couldn't see the documents and to upload them using a reference number. When trying to upload using the reference number, I received a red alert and it wouldn't let me submit under that reference number like it wasn't valid. I then proceeded to call in and speak with someone. I ended up speaking with the manager, XXXX who gave me a credit of {$100.00} for one of the interest charges. And he had me resubmit the documents again using the document center and told me that he would make sure this would get taken care of. 
On XX/XX/XXXX, I called again. My first call put me on hold and hung up on me. The second call, I spoke with XXXX and XXXX and was told that the resolution date was XX/XX/XXXX but it wasn't resolved and they had no new info and I should just call back in 2 weeks and then maybe there will be update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have been paying on equity line of credit for 10 years which was an interest only account I had no idea this I have been paying {$19000.00} and now I still order complete {$50000.00}. 
These in my Pinyan a predatory practices and out unlawful I have tried to reach them by phone and have been sent from phone call to phone call with no response. what they have done should be unlawful. I will have paid {$100000.00} by the time I 'm done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted several complaints : XXXX with Experian ; XXXX with XXXX and XXXX with Experian. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 680XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my XXXX credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am XXXX percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is Citi Bank. I attempted to rectify this situation with them but after speaking with the XXXX department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted XXXX. I received conflicting information from XXXX. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for Citi Bank to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a Citi Bank soft pull on the same date and there is no Citi bank inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX I am attaching the FTC report I sent to this company as proof that I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I requested XXXX closed store cards I was an authorized user on be removed from my report. I called the card companies, but they said that because the accounts were closed I should dispute with the credit report agencies. Experian and XXXX removed the accounts with no issue. XXXX removed XXXX but kept the other XXXX. 

The XXXX I removed accounts are XXXX XXXX friend and XXXX XXXX XXXX. I received a report back after the dispute that the accounts would remain. 

I was neither the owner or a co-signer on these accounts and I had no control over their payment or closure.
Product: Credit card or prepaid card

I previously submitted a complaint with the CFPB and was told of the resolution stating to call American Express. I did, and XXXX XXXX happened to be online, though i was unable to speak with him. However, the rep i did speak with did talk to him. He stated he had no idea what i was talking about. Even the rep said it is unheard of for any refunds, returns, or compensation. After over an hour an 15minutes waiting for a resolution, I was hung up on. No reply to the email I sent. A quick XXXX search of XXXX XXXX shows a vast number of reports against him. He is an employee of American Express. But either he is a massive liar, or people are using his stamp. Most likely he just fills out a general statement and doesn't expect follow up or follow through. Either way, my resolution ... as great as it sounded ... was fake. I was even informed that FLOS, the department i was told to contact, NEVER deals with this type of issue and they had 0 idea why I was told to contact them.

I simply want this fraudulent company to own up to their deceipt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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
Product: Credit card or prepaid card

CapitalOne is requiring current customers to verify income and employment status prior to accessing its online account information. The text below appears, along with other text, after logging on. There is no option to skip this step. I do not want to disclose this information nor am I required to disclose it, but CapitalOne makes account access impossible without disclosure and acknowledgement that the information is correct. They did the same thing a few months back. I called and complained and soon was able to log on without disclosing this information. 

" Income and Employment We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. 
Total Annual Income* You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 

2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. 

*Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. 

Employment Status Employed Open or Close Dropdown Continue By clicking on the " Continue '' button above, I acknowledge that all of the information above is accurate. ''
Product: Money transfer, virtual currency, or money service

I want to report that on XX/XX/2021 I used XXXX  and my Arvest bank account to pay for XXXX tickets that I ultimately did not receive. I have reported this with the Federal Trade Commission. The Federal Trade Commission has directed me that I am entitled to request my funds be returned to my account and ask Arvest to pursue the individuals involved in the transaction. Arvest has not even responded to my attempt to inform them of the situation. 

Payment of {$370.00} through XXXX via Arvest to XXXX XXXX XXXX XXXX XX/XX/2021. 

There was a man involved, or at least a mans name being used, XXXX XXXX. The email address associated with the above transaction is/was XXXX He reported that XXXX is his wife and the account is through her.

I found out that this happened to another person on the ticket site from this same " seller '' but he was selling hockey tickets ... .under the same name, on the same site, after he did this to me.

I hadn't reported it sooner because I wasn't aware the tickets he sent to my email were not valid. They appear valid but are not. 

It's Extremely misleading to have XXXX  on the Arvest banking/billpay page. The implication is that XXXX  is trusted by Arvest and therefore the consumer will be protected.
Product: Consumer Loan

I have previously submitted a complaint against this company which resulted in them finally contacting me to get the issue resolved. I asked them the full balance remaining on the account and immediately paid the account in full. The account was supposed to have been closed. Several weeks ago I received a statement from them which indicated I had a balance of {$27.00}. I immediately called them and asked how that was possible considering I just paid the account in full. They stated that after I paid the account they added another {$25.00} late fee ( from the original issue of my not receiving statements from them XXXX. They removed this fee and stated that I had a XXXX balance and the account is closed. They apparently then proceeded to report to my credit that I had made another late payment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA ss 605B ( 15 U.S.C. ss 1681 c-2 ) that you, The transunion credit reporting agenecy, 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. These fraudulent accounts consist of a charge off account opened at XXXX XX/XX/year>, under account number ( private ), a charge account opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, under theaccount number ( private ), a charge account opened at XXXX XX/XX/year>, under account number ( private ). 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, 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 the FTC Identity Theft Criminal Complaint # ( Privated 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. FTC claim XXXX XXXX
Product: Debt collection

I have no contract or knowledge of the account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is RIDICULOUS!! HOW MANY CONPLAINTS DO I HAVE TO FILE!!? MY BANKRUPTCY WAS FILED XX/XX/XXXX WHICH MEANS YOU'VE EXCEEDED THE 7 YEARS TO REPORT. I WANT THE FRAUDULENT AND UNAUTHORIZED INQUIRIES REMOVED IMMEDIATELY. IVE BEEN DISPUTING SEVERAL OF THEM SINCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to all 3 credit bureaus, asking them to verify the debts below. 

XXXX XXXX {$410.00}. 
XXXX XXXX XXXX {$1800.00}. 
XXXX XXXX {$880.00}. 
XXXX XXXX XXXX {$1300.00}. 

I demanded that they provide me with all the documents pertaining to these debts to verify accuracy and the legitimacy of these collection items. The response that I received to this, was simply Verified. They did not provide me with any information as to how such conclusions was reached. 

On XX/XX/2022, I sent a second letter to each credit bureau, demanding that they provide me with the original contract, from the original merchant, that shows the original balance. The credit report agencies have not been able to provide this information to me, and yet refuse to rectify the information they are reporting under the FCRA XXXX provisions.
Product: Debt collection

I moved out of apartment left the unit nice did walk thru did check out list they even mailed me my deposit in full right after I moved. then a year later with out any notification sent me to collections for fees they now say I owe. this is fraudulent.
Product: Mortgage

The loan just reset after a modification. The first new statement dated XXXX had a different balance showing on the second page {$210000.00} than on the first page {$220000.00}. The finance charge showing of {$860.00} is not correct for the balance showing fo {$190000.00} at the stated interest rate of 5.25 % APR. The second statement dated XXXX shows a different balance of {$25000.00} on the first page than the balance of {$17000.00} on the second page. There seems to be a phantom amount owing of about {$7000.00} that is not showing on my statement. I am not sure what this amount is, whether I am being charged interest on it and if so what the interest rate is. Thanks,
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX have all misreported my information time and time again. 

I sent a request to fix on XX/XX/year>, through my app that allows for disputes. I have heard nothing. The lack of history is negatively impacting my credit and ability to ascertain the most beneficial loan for homeownership.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX. Transunion Consumer Solutions XXXX. XXXX  BANKRUPTCY XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax recieved my documents by fax and certified mail. I spend hours on the phone. They have incorrect information reporting and I sent all proof they said they never recieved it several inquires and XXXX XXXX XXXXXXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  FILA POLIC E REPORT.   XXXX     XXXX , FRAUD ACCOUNTS.  XXXX   XXXX  /  XXXX   XXXX  HELP ME.
Product: Credit reporting or other personal consumer reports

erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.