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

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Dear Madam or Sir : I am writing to file a complaint about Chase Financial. Recently, I started a new position with XXXX XXXX, of XXXX XXXX, Maryland. I am a XXXX with the XXXX in XXXX, Maryland. As such, I am required to obtain a Public Trust clearance, which requires that I undergo a security investigation. This investigation may rely on previous investigations, including Department of Defense, other Federal agencies, and other private company background investigations.

During my security clearance, I was asked about my debt with Chase Financial. This debt was charged off on XX/XX/XXXX. I received a Form 1099-C and claimed this charged off debt as income on my XXXX  Federal income taxes. 

Initially, I could not find the one paper copy of Form 1099-C that I received from Chase Financial. I called Chase Financial on  XX/XX/XXXX to obtain another copy of the Form 1009-C from XXXX. During my phone call, I was transferred from the U.S. call center to a call center in XXXX, and then transferred back to the U.S. During this phone call, I was asked to provide my Social Security Number and date of birth multiple times to prove my identity. Despite all of this information, Chase Financial was unwilling and unable to provide me with an electronic copy of my XXXX Form 1099-C. I was asked to write a letter to their home office in Delaware, provide my original Chase account number ( which I no longer have ), my  Social Security Number, and my date of birth. Their sheer intransigence and excuses in this matter were quite frustrating. I was a XXXX employee in the past, and my information was hacked during the XXXX XXXX data breach. As you can imagine, I am protective of my Personal Identifying Information ( PII ).  Given the prevalence of electronic records, Chase Financial should have been able to e-mail me an electronic copy of the XXXX Form 1099-C within 48 hours. I am furious that Chase Financial continues to avoid operating at 21st century electronic records requirements. 

If you need to speak with me, I can be contacted on my cell phone : ( XXXX ) XXXX. My email address is : XXXX, if you would prefer to use email. Thank you for your assistance. 

Sincerely, cc : Representative XXXX XXXX Senator XXXX XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me
Product: Vehicle loan or lease

Credit acceptance corp has reopen a closed account which they have a judgement for and a garnishment I have the spirit is a cat with XXXX  as a closed account which the creditor has reply it is a open account which is false this has seriously done damage to my credit score for this inaccurate information and they refused to correct this information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXXXXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX; by sending Method of Verification letters certified mail, return receipt requested to Experian, XXXX ; And to XXXX via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have put in a dispute letter to Transunion with a tracking number on the letter and i notice that they got the letter on XX/XX/2019 but they post the reply letter on the envelope for the XXXX of XXXX so this mean that they are later i did not get the letter on time they are late and the accounts on this report needs to be removed because now they are in violation of the 30 day rule
Product: Vehicle loan or lease

Hello, I applied for a loan to purchase a new dump trailer. I was told that because I have a work authorization permit that can not lend to me. I have great credit and have not been denied for loans by other financial institutions for having a work authorization.
Product: Credit card

Around the middle of XX/XX/2024 I was notified by Discover credit card company that my credit card was being closed after being open only a few weeks and my credit score plummeted. The address was different than the application I used for my credit application. The address was my old address which must have been submitted to them from the credit bureau. Someone entering the information must havent been paying attention. I found out of the address through a report from the credit unions I had to reach out to. Discover tried to make it look good and updated to XXXX dollars and in good standing. They failed to investigate and delete the account and when I call Discover they say sorry sir and thats it. Can you please help me to have Discover completely delete this account. Also, I paid and the bank refunded my payment because Discover computer closed the pathway of paying. Im mailing the payment with tracking number so I can ensure XXXX XXXX by USPS which I shouldnt have to do. 

They are : Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The attached documents below are in reference to payment.
Product: Checking or savings account

I have yet to receive my direct deposit from capital one bank cause of my automatic payments to decline and rent, credit cards and various other bills to decline
Product: Student loan

For account XXXX Mohela I submitted forms to show the progression of the loan repayment for the public loan forgiveness. 
I have document to show that the progression isn't reflecting the documents I've submitted.
Product: Debt collection

Company contacted my sister stating that they were trying to contact me regarding legal documents needing to be delivered on XXXX. I contacted the company and provided a reference number. I spoke to a representative whonstated that the attorney that was handling my case was in a meeting & gave her permission to give me information. She stated that yhey are an attorneys office ( Mcdonell & associates ) & they have filed a lawsuit against me which I will have to go to court or settle the payment. They emailed two documents to sign. The second document stated that THEY ARE A DEBT COLLECTOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a negative account on my credit report from Bank of America for {$1700.00}. I sent BOA a debt validation request letter on XX/XX/XXXX which they did receive on XX/XX/XXXX @ XXXX. It is now XX/XX/XXXX & BOA has chosen to ignore this letter. They have NOT responded. I want this deleted from my credit reports Immediately & for them to cease. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ).
Product: Credit reporting or other personal consumer reports

I have a inquiry on my credit reports that I know nothing about, its on my XXXX, Experian and XXXX. Its from XXXX XXXX, dated XX/XX/year>. I never applied for anything from XXXX XXXX or had and type of business or contact with this company, but it keeps appearing on my credit reports. Due to this fact, I have frozen all of my reports hopefully this will take care of this problem. What I would like in the meantime is the removal of these unauthorized inquiries that I neither applied for, nor sign for, being that may have an effect on my credit in the future.
Product: Credit card

I am contacting Equifax to demand immediate correction under the Fair Credit Reporting Act ( FCRA ) for an error on my credit file regarding my XXXX XXXX credit card account. This account was mistakenly reported as fraudulent ; however, I opened it myself and have attached supporting documentation to prove this. Per FCRA Section 611 ( a ), I am entitled to accurate information, and I expect Equifax to reopen this account on my report without delay. 

If this matter is not resolved promptly, I am prepared to pursue legal action to enforce my rights. I expect confirmation of this correction immediately. 


Please reopen my XXXX Account. This account was mistakenly reported as fraudulent and therefore closed on XX/XX/year>, and opened on XXXX XXXX. Please REOPEN THIS ACCOUNT IMMEDIALTY. Account Ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CFPS # XXXX Dear Sir/Madam : Please help me in my dilema, my credit score was almost at XXXX & I just reviewed and XXXX has reported a collection of {$110.00} and has brought my credit score down 25 points. 

I was a customer of Bright house for 30 years NEVER a late payment their price increase when XXXX took over were too high so had no other choice but to go with XXXX. 

I have worked for XXXX XXXX XXXX  settings and the collection agencies work for you so you do have the capability to pull an account from collections. I continuously called a XXXX no respone you would think someone would take the time to reveiw a persons good standing record and correct it. 

I am attaching an original letter sent to you for my original complaint from a {$49.00} package that was sold to me with a promise to pay the remainder of my XXXX contract which I was paying {$77.00} per month owing 3 months their bill totalled $ XXXX for basic cable which the package they installed was a spanish package which I did not order and by the early evening it was cancelled and my husband returned the equipment the next morning. 

We are senior citizens living on a fixed income and quite frankly {$160.00} for basic cable is " outrageous ''  By the Grace of God XXXX took us back and only charged us {$89.00} for cancelling before hand as opposed to {$300.00} however our new monthly payment is {$100.00}. 

This is a multimillion dollar company and when XXXX took over it spend millions on their new ads and of course who pays the consumer. It is not the money that is owed it is the principal of the matter. 

PLEASE help me obtain justice in this matter, these companies have insurance for these issues it was their error misleading customers, selling a package and installing another. 

I want this collection pulled from the credit burea completely as if it was their error because if it remains on my credit report it is hindering me. 

Thanking you in advance for all your efforts " CFPB ROCKS '' I am totally confident that you will be able to assist me in this matter and/or direct me to someone that can. 

Again, thank you in advance Please Stay Safe XXXX
Product: Checking or savings account

The company is Hunnigton National Bank, the date was XX/XX/XXXX When they left a message on my phone and I contacted them, barely wanted to give me information hand said the date was XX/XX/XXXX, I have no idea about this account but they saying it was closing because of a negative balance or something. I have no idea They called my mother too, which is something they cant legally do
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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

I filed for dispute to update address that is my correct address and it did not update or correct it. Also other accounts and collections that have other address which do not belong to me are on my credit report that I would like to be removed because it does not belong to me.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I tried to log in to my Binance.us account to view funds and make changes. Upon logging in I was met with a screen that asked me to confirm giving Binance consent to my biometric data. The only option on this screen is to consent ( agree ) or return to the home page where I can not access my account. So, in other words, I have to agree to them sharing my biometric data or they will not give me access to my funds. 

This is illegal, and Binance US should be prosecuted.
Product: Credit card or prepaid card

Complaint against false advertising and misrepresentation. Applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX which had a opening welcome bonus of 2 weekend free night certificate after {$2500.00} in spend. Called on XXXX XXXX to Citicard credit card application line to confirm my eligibility for welcome bonus before applying online. Rep confirmed that my prior XXXX XXXX reserve card opened on XX/XX/XXXX did not affect the bonus eligibility of the new card application in XX/XX/XXXX. However after being approved for the card in XX/XX/XXXX and spending {$10000.00}, Citi sent a letter that they would not honor the 2 weekend night certificate bonus. Called on XX/XX/XXXX to Citi ExecutivXXXX customer service line but rep XXXX reiterated that since my original account was closed on XX/XX/XXXX and since my XX/XX/XXXX application was 3 months shy of the 2 year bonus eligibility rules Citi would not be fulfilling the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account from Target store. 
I called target/ XXXX XXXX and asked if I pay off the balance then would they delete the record or send me a letter stating that the balance is paid and should be deleted from my credit reports. I called today and they said the representative told me the wrong thing and I may have called a different number but this was the same number I had called now. I was lied to and I just want my collection deleted from the reports. I also want to report that Target tells lies to collect money and they do not take any action after that. LIARS
Product: Student loan

XXXX XXXX is my loan provider. I have XXXX at 11.875 % rate. I have asked XXXX XXXX to provided me with a full amortization schedule to show how much i would pay every month in interest and principle for the life of my loans. They refuse to do that and refuse to give me the calculation they are using to determine my monthly payments. So for all i know they are charging me more than they should be while going unchecked. This company should not have the ability to charge such a high rate on government funds. They are my smallest loan amount but largest payment. I am barely keeping my head above water with all my debt and i can not do anything else to help my situation. Please help me.
Product: Debt collection

Mailed the Repossession Deficiency Letter to XXXX & Auto Now NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my  car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ). 

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE  REMOVED THIS ACCOUNT ON MY XXXX REPORT I WILL BE FORCED TO PRESS CHARGES.
Product: Student loan

Hello, I have had a student loan open with Discover since XX/XX/XXXX. I have been making payments on this loan since I graduated from XXXX in XX/XX/XXXX. Unfortunately, I had a lapse in payments in the middle of last year because Discover was demanding that I pay more that I could afford. I called and set up a payment plan over the phone and have been making payments of {$250.00} for the past 9 months. 

That said, none of this information has been made available to me by Discover. I can not access any statements online, and Discover has kept no record of my payments there either. When I checked my credit report, I noticed that Discover has claimed that my monthly payment is far lower than it actually is. They claim that I am paying {$110.00} per month when I am in fact paying the aforementioned {$250.00}. This means that I have no idea how my amount owed has been affected, nor am I able to see the status of my loan. 

Please help! 

XXXX
Product: Credit reporting or other personal consumer reports

Attn : XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : 1. Midland Credit Management - Account Number : XXXX  - Amount : {$630.00} - Date Opened : XX/XX/XXXX 2. XXXX XXXX - Account Number : XXXX  - Amount : {$150.00} - Date Opened : XX/XX/XXXX 3. XXXX XXXX - Account Number : XXXX  - Amount : {$1400.00} / {$350.00} - Date Opened : XX/XX/XXXX 4. XXXX XXXX ( Collection ) - Account Number : XXXX  - Amount : {$190.00} - Date Opened : XX/XX/XXXX 5. XXXX XXXX - Account Number : XXXX  - Amount : {$1400.00} - Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX  - Account Number : XXXX  - Amount : {$11000.00} - Date Opened : XX/XX/XXXX 7. XXXX XXXX - Account Number : XXXX  - Amount : {$630.00} - Date Opened : XX/XX/XXXX 8. XXXX XXXX XXXX  - Account Number : XXXX  - Amount : {$3000.00} - Date Opened : XX/XX/XXXX 9. XXXX XXXX XXXX - Account Number : XXXX  - Amount : {$1700.00} - Date Opened : XX/XX/XXXX 10. XXXX - Account Number : XXXX  - Amount : {$150.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Correct Address : XXXX XXXX XXXX XXXX . 
XXXX, KS XXXX Email : XXXX Number : ( XXXX ) XXXX Employer : XXXX XXXX  XXXX - Owner Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased a XXXX camera from XXXX XXXX at the amount of {$740.00} on thursday XX/XX/XXXX, that i never received. I used my discover it card. I corresponded with the merchant for over a month and they ended up not giving me a refund. they told me to call my credit card and I did. I filed a dispute with discover and they rejected my claim within a week. They did not take into consideration the evidence that my item was not delivered ( or misdelivered by the carrier ). The proof of delivery does not even show my address and it did not contain a photo or signature for an item thats almost {$800.00}. Discover rejected my claim very fast and I believe they did not do enough to consider my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of misuse or fraudulent access, a.k.a. breach of security, I request a new rule for credit bureaus, requiring XXXX XXXX. 

Some private companies implement XXXX XXXX on private systems in order to contract with the Federal Government. Why not US Credit Bureaus?