23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX  CHILD SUPPORT SER XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX  OFF OF CHILDSPRT ENFO XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 inquiry I did not authorized and my late from XXXX was due to XXXX .I wasn't able to make my payment on time but if you notice I was never late on any of my accounts.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

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

As of XX/XX/XXXX DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Still is reporting XXXX open accounts, all XXXX are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of XXXX payments reflecting. 
I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX  ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the XXXX breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida My sister went to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida, on XX/XX/2022. 

On XX/XX/2022, my sister went to XXXX XXXX XXXX to purchase a 2022 XXXX XXXX for my niece ( XXXX XXXX, where she met XXXX XXXX. Unfortunately, my niece required a cosigner in order to purchase a new car, so my sister called and asked if I could cosign. I asked my sister if she could confirm whether XXXX XXXX would conduct a hard or soft credit inquiry to determine vehicle rates. She asked XXXX, the salesman, and he assured her that it would be a soft inquiry to check rates, and that a hard inquiry would be performed once she purchased the vehicle. XXXX purposefully misled my sister about the credit check. XXXX also persuaded my sister that XXXX should lease rather than buy. XXXX informed my sister that they would begin with a lease and then switch to financing two years from the date of signing, with the lease payment being transferred into the auto financing, which was another con of XXXX XXXX XXXX. Following that, my sister entered my personal information on the XXXX XXXX XXXX website, where a hard credit inquiry was performed despite not making any purchases. 

I attempted to contact XXXX XXXX via phone and email after receiving a hard inquiry report that day, but no one responded. Instead, because I have excellent credit, I received numerous calls about purchasing a car. There had been no response from the executive office or manager for over a month. When I left a negative review on XXXX, they responded with a generic response and refused to take any action. 

Needless to say, after contacting the managers, store manager, and finance department to have the inquiry removed, no one returned my calls or kept transferring me. XXXX XXXX has yet to contact me or the credit bureau to resolve this issue as of today, XX/XX/2022. As a result, I would avoid doing business with XXXX XXXX XXXX XXXX, when I finally spoke with someone in finance, they informed me that soft credit inquiries are never done ; it is always a hard inquiry. So, in order to make a sale, the salesman ( XXXX ) blatantly lied about the soft inquiry. 

In addition, he misled my sister about the lease program. He tried to persuade my sister that if she put down {$1000.00} today, she could lease the car for my niece instead. It could be converted to a finance agreement whenever she decides to purchase the vehicle. which was also false, because the lease would be for 36 months with XXXX XXXX with no changes to the terms.
Product: Bank account or service

SirThis is my XXXX complaint. 
XXXX is for my Lost Cashiers check, that Wells fargo refuses to provide documentation on, put the monies XXXX in a interest bearing Escrow account. 
[ Case number : XXXX ] This complaint is to inform you that since the XXXX problem, Wells fargo has bullied me and enguaged in Illegal activities related to my Business and Personal debit cards. 
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
The XXXX LAW prohibits Corupt Organizations from Extortion and ilegal means of making money. 
This is clearly a ilegal activity, in regards to XXXX Complaints. 
XXXX Complaint - Wells Fargo is profiting from the interest on my XXXX they are holdingXXXX complaint - Wells Fargo is profiting from the over draft fees they get by continually shutting down my access to my own monies. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 
kind regards, XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

APR rates 23.49 % are unreasonable, too high, I am requesting well Fargo to lower the APR rates of 23.49 % by 35 % reasons as follows I am a wheelchair bound, physically impaired senior citizen, and XXXX recipient on low fixed income, APR rates of 23.49 % is beyond my budget.. 

I should not have to sacrifice my human needs to pay these unreasonable interest rates Removal of late fee charged XX/XX/2023 I was charged a late fee of {$29.00} on XX/XX/2023 I have never been late on payment for the past seven years!

I am disputing the balances {$2800.00} subjected to high interest rates of 23.49 % are incorrect, I have no access to my credit card statements beyond two years, I believe this balance of {$2800.00} which is subjected to high interest rates of 23.49 % is exaggerated by Wells Fargo Min payment of {$110.00} The min payment of {$110.00} is beyond my XXXX fixed income
Product: Mortgage

Mr. Cooper Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, CA XXXX. 

1 ) The amount required in my impound account was unnecessarily adjusted which unnecessarily caused an escrow shortage. My casualty insurance premiums dropped because I switched carriers.

2 ) Mr. Cooper made an error and reported a late payment that showed up on my credit report. The late payment was reported for the month of XX/XX/2019. This needs to be corrected. Mr. Cooper stated this is due to the escrow shortage. Records show the the mortgage was in fact sent to Mr. Cooper consistent with the automatic payment plan. 
previously implemented. This late payment needs to be removed from my credit report.

3 ) Mr. Cooper did not properly attempt to contact me about this shortage and the mortgage was in fact current and was never delinquent. Mr. Cooper sent a text message to which I responded requesting a call from a live person. The auto response claimed Mr. Cooper did not monitor the text message response. Mr. Cooper sent me a second text. I again responded to the message asking again to be contacted by a live person. This was done for two reasons, the first was to determine the purpose of the contact requested by Mr. Cooper. The second was my concern about the dozens of texts/calls I receive each month that are geared to commit fraud. Despite the disclaimer sent by Mr. Cooper, a live person in fact contacted me. I made the correction to the amount the same day I spoke to a live person. However, the false claim of being late was already made against my credit and my request to have it removed rejected.

When I asked where I could make a complaint regarding this issue I was erronously told to contact my state Department of Justice.

I have since request proper documentation showing the delinquent payment. It has not been provided. 

XXXX XXXX can be reached at XXXX XXXX XXXX XXXX if you have questions about my notification of your servicing error. 


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

The following items continue to appear on my credit report despite numerous written requests, which are against FCRA. In addition to failing to adequately examine the situation by using a third party as their provider of verification, the Bureaus continued to report unsubstantiated and unverified information while failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law. They are wilfully negligent and in violation of federal statutes, and I need this situation to be resolved right now given all of my attempts to address it directly with Experian and XXXX CREDIT BUREAUS. The following ITEMSshould be deleted from my file : 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Chase provided me excuses. Daily balance of {$1500.00}. very little people will afford such balance in CA. 
People work and pay their bills. Reality is that overdraft fees are too high and bank charge them without really see if they are correct or not. And when charge customer has no choice or said about it. Chase said we already reverse 2 fees which is our guidelines per yr. and if customer is been charged 10, per chase is guidelines their courtesy reverse per yr doesn't qualify that. 
I made {$1000.00} deposit after my complaint. Check written to myself was cleared from my credit union a week but hold in Chase side for 2 weeks, and even thought I have money for my bills chase kept overdraft me and charged me {$34.00} each transaction why I dont know. 
I went to the bank XXXX and XXXX each time waited early in morning in the cold for 1hr and half to correct the problem. But I kept deposit more money ( cash ) to make sure my transactions were covert. 
Chase couldnt give me any other explanation and told me that my only choice is to keep coming back and see them If, they will reverse overdrafts that been charged wrongly. 
Then I called and waited 1hr in the phone and talk a rude customer services name XXXX at customer services ( Will not provide me any other info about herself ). Very rude. I had 7 overdraft wrongly charged ( Because I had money but taken by Chase somehow were holding the funds ). XXXX told me that she will reverse and refunded only 5 charges. And If I want the 2 others I will have to call back. 
But even though he showed in my count that those 5 overdrafts were reversed the funds were short. ( See attachments ). Chase done this to me in the past. They correct the charges but the funds were not returned so my balances were incorrect, and short. Which of course overdraft me again.

I Called Chase again waited in the line for 1hr and 30mm without any one answer me.

The virus giving Chase an opportunity to abuse customer when government and all others companies are trying to supports people to make it. ThAT IS not right. 
My balance if the correct refund should be {$170.00}. Not {$68.00} chase is showing. 
I will like to have my money back from chase. 
Chase also always will find a way to take back what they refund. Customer cant win with them. Customer only protection is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed but the balance still show for an amount of {$1700.00}. this is an incorrect amount the balance should be  XXXX .
Product: Credit reporting or other personal consumer reports

I only have one name, they have several different names published that I dont own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On XXXX ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On Experian ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX  Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55  % Balance : {$550.00} / {$1000.00}
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXXThese debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX and XXXX XXXX EST. Dont send any mail whether its USPS , XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Credit reporting or other personal consumer reports

My complaint is of Experian in itself. There is absolutely no way to talk to a human to get help with any problems. On XXXX I tried to login to my Experian account. I couldn't find my password. In the attempt to reset the password, the website told me my current phone number doesn't match what's on file. I attempted to login other ways the site directed me to do so but was unsuccessful because the site wanted to send a verification code to my phone number. Since Experian has a different phone number on record I'm unable to get a code. I provided my social security number and zip code to verify my identity, but the company needs my phone number to verify. I tried calling three different numbers at Experian and ended up in a phone tree, then the company hangs up on me. There is absolutely no way to get a human on the phone to fix my matter. I am concerned someone else is getting my passcode. I have been a victim of identity theft in the past and find this whole process troubling. One of the companies that is supposed to protect me is failing to do so. This entire situation is extremely alarming. The three numbers I tried contacting several times are XXXX, XXXX, XXXX. Surely I am not the only consumer in the country who needs personal support and is unable to obtain it.
Product: Credit card or prepaid card

When Ever I apply for a credit card threw credit karma that they say I can definitely get approved for it always deny me after application is done
Product: Debt collection

I was a customer with XXXX for over two years. One of their customer service agents fraudulently extended my contract without my knowledge or consent. When I went to cancel my contract because I was moving to a new location that didnt offer XXXX service, they notified me that I had to pay a hefty cancellation fee of {$660.00}. I do not owe this money and the company refuses to help me, even after hours on the phone, including this evening where I was transferred and placed on hold for an hour and a half before hanging up. Its now listed twice on my credit report dragging my otherwise solid score down below where Im able to get a mortgage.