23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We had a land trust at XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX, the property was temporarily taken out of the trust to facilitate a refinancing of our mortgage. XX/XX/XXXX, the trust company sent us XXXX letter saying they were prepared to put the property back in the trust. We believe we did not receive this letter, and we were unaware that the property was not in the trust. Recently we were updating our wills, and I contacted the trust company to determine exactly how the trust was titled for the attorney. The trust officer confirmed the number of the trust and the description, and said nothing else. The attorney subsequently informed me that there was no property in the trust. In the meantime, the bank happily billed me {$90.00} per year, for a total of {$270.00} for an " empty '' land trust. 
When I contacted the bank they said we instructed them to hold it open. However, they did not bother to send a follow up letter or any other contact since XX/XX/XXXX, nor did they bother to mention this important fact when i confirmed the description. I asked for a refund of all or most of the fees. They said they maintained the open trust as instructed. The trust officer was fairly belligerent, but said she would take it to the trust committee, I then received the attached letter saying there would be be no refund and no further correspondence. 
During this time, the bank feels they provided a service. However, all they did was maintain an empty trust account and send an annual bill, which cost a very tiny amount. I feel there are XXXX issues, the bank did not provide much service, in never sending a follow up letter. Letters do get lost. They also could not be bothered to look up or inform me of the details of the account when I called to inquire. Further, they were not the least bit sympathetic to my request. XXXX. 
Your assistance with this will be much appreciated. Thank you.
Product: Checking or savings account

I had enrolled in a business checking account with square inc. the events I had planned did not realize and it sat dormant for a few months around the first week in XXXX I had a direct deposit from an employer deposited. After the second deposit the following week I was frozen from my assets and told a review was made and they had chosen to no longer do business checking with me. I was then informed the fingers would be held for 90 days, witch is mentioned in the leathery user agreement but as I surmised after reading this action should only be used if I had transactions excepting funds from customers for any possible return discrepancy. I had not used the product for commerce as a business only as an expense basis.
Product: Student loan

Received calls from Navient on MANY occasions, most recently, yesterday XX/XX/2018. The person I spoke 2, XXXX XXXX, told me that if I wanted to settle my loans I should borrow money from family and friends. This is certainly not the first time I have been told this, but I was advised that this is not legal, nor are the daily phone calls. Because of my inability to pay what they are asking for, my credit score has dropped 60 points. Navient is a terrible company that harasses borrowers and uses illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following fraudulent inquiries are removed from my credit report. I did not authorize any of the following companies to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese are fraudulent inquiries, and request these are removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the companies, and bureaus by mail and phone to report these fraudulent inquiries. I have been exposed to several data breaches and also lost a personal wallet within the past year and that's why I do have the fraud alert on my profile. There has not been any investigation or signature presented to validate the authorization of these inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/year> File a Dispute With Experian an XXXX, also complaint with CFPB an company responded with ( IRREFUTABLE ) information that was consistant with what i stated an account still wasnt removed. I high lighted there reponse proving balance Different amounts I have Requested copy or the original agreements that created the original debt that includes all signature of all parties. Also I requested proof of chain of ownership the includes proof of assignment that include change of ownership must be from that original creditor to the current owner without breaking chain. Also include a full accounting history from the original creditor including the date an amount of each payment, date of each delinquency leading to the collection status .If any interest of fees have accrued or been added onto the balance. Please send ( Proof ) that such fees are lawful and agreed upon in the original purchase. Proof that you are legally allowed to collect in the State of Alabama including your third party Debt Collector Bond. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of original notice an any letter tracking your firm maintains FTC vs XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumers rights.
Product: Vehicle loan or lease

I co-signed on a car loan for my son, after 2yrs the car was repossessed on XX/XX/2020. I didnt find out until XX/XX/2020. When I called Ally Financial to resolve the car loan I had to payoff the loan in full since it was repossessed. On XX/XX/2020 my wife wire transferred {$13000.00} to Ally bank, to this day XX/XX/2020 the tile on the car still has a lean on it and Ally refuses to remove it so I can sell the car. I have begged for 102 days for payoff papers for my records to show the loan was payed off just to be told Ally has NO OBLIGATION to send me anything. They still have charge off on my credit report and refused to fix it to payed in full, I have a buisness and I depend on my credit, I think all of this is wrong to be treated this way. I didnt know what else to do, I call 3 or 4 times a month to fix this to no avail, Please someone help me resolve this nightmare. I have done everything Ally Financial has asked just to be treated like I dont matter.
Product: Credit card

I ordered a XXXX extended carseat during XXXX prime day in XXXX and i received a toddler booster seat instead. I reached out multiple times to XXXX and XXXX and no help. I disputed charge with apple XXXX for the {$150.00} was denied. Sent proof of direct email from XXXX stating they apologize for the mishap and prime days are always overwhelming and credit card can refund me but graco cant since bought on XXXX. I have not received refund just lots of frustration. Item i got was {$50.00} and i ordered a {$150.00} carseat.
Product: Debt collection

I have filed several disputes with XXXX XXXX and have not received a response to date. I received a collection notice from XXXX in attempt to collect a debt that is not owed. I filed a complaint with the Federal Trade Commission on XX/XX/19. The Company responded that they did not own the debt and that XXXX XXXX never responded them with verification of the debt. Again, to date I have not received any further response. On XX/XX/19 I received a new notice from Sequium Asset Solutions attempting to collect on this debt. I have notified the Company of my dispute. I have made many attempts to stop this collection activity. XXXX did not respond to my dispute as required under the FCRA. Please note that I was affected by the XXXX breach.
Product: Credit card

Signed up for a Venture X card on XX/XX/2023, using my friend 's referral link that explicltly stated a XXXX sign-up bonus mile offer for spending {$4000.00} in 3 months. Upon signing up for the card and getting approved, I receive correspondence and terms and conditions stating I was approved for XXXX sign-up bonus miles. 

I call Capital One customer service on XX/XX/2023 and speak with XXXX initially ( rep ID : XXXX ), who looks into the issue for me and states that the offer for XXXX SUB with a friend 's referral link has been active since XX/XX/2023. She states she will notate my account and that as long as I meet the {$4000.00} spend in 3 months I will be receiving XXXX bonus miles. She states notating my account with this information. I call two more times in the same day to verify this information, with 2 independent customer service reps. They all state the same thing : I am eligible for XXXX SUB based on signing up with the referral link and friend referral bonus offer starting XX/XX/XXXX. I was told to receive some documentation to verify this in case I receive XXXX bonus miles as stated in my terms and conditions. They say they can not provide this to me but to call back and that all the information will be in the account. 

I call customer service again on XX/XX/2023 after spending the required {$4000.00} and only receiving XXXX bonus miles. I was transferred to a rewards specialist and then a senior account supervisor to help me with my issue. The supervisor, XXXX, I speak with states she has never heard of this XXXX SUB offer before and that my account has not been notated with this information, even when telling her I called XXXX separate times on XX/XX/XXXX and was reassured that the offer is active and I am eligible for it. She places a reward escalation request and that I will hear back from them with a decision. 

I receive a phone call on XX/XX/2023 with a decision on my issue. I miss the initial phone call but when I call back I am transferred to a senior account supervisor, XXXX, who looks at my account and states my request was denied since I can only receive what was listed on my terms and conditions. I tell her that on XX/XX/2023, multiple reps documented that I am eligible for the friend referral offer that started XX/XX/2023 and that I signed up with a referral link. She says she can not see this notated on XX/XX/2023 and that the rewards escalation team reviews this information before making a decision. I ask her if phone calls can also be reviewed since the notations are incongruous with what I was explicitly told multiple times that day. She says the rewards escalation team has access to record phone calls but can not tell me definitively if they reviewed this information. I ask her if I can be transferred or if someone from the rewards escalation team can contact me via email or phone, and she says that they tried once when I missed the phone call and that I can not reach them anymore.
Product: Credit card or prepaid card

In XX/XX/2019, I was staying in an XXXX in XXXX XXXX. I left my wallet in the locked unit while I went out to the beach. There was an unauthorized entry to my unit and all the cards in my wallet were scanned/charged fraudulently. I contacted the credit card companies and all of them have corrected the disputed fees except CHASE BANK CARD SERVICES. Chase is claiming that they have researched the claim and feel that the charges were " valid ''. The charge was NOT valid and CHASE is making it very difficult to appeal/dispute their " research ''. Chase waited three months and put the charge back on to my account. I have called multiple times to discuss this with " CHASE FRAUD RECOVERY SPECIALISTS '' and they refuse to give me any information as to what their " research '' was or why they came to the decision that the charge was " valid ''. They have asked me ( the card holder ) to do my own " research '' for them. They want me to contact XXXX and my Credit Union to help with my claim. I feel that the credit card company has an entire " Fraud '' department that should be doing this
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 confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Mortgage

We went trough a GRUELING process with quicken loans via Rocket Mortgage. Gave them ALL financial data, Bank access, taxes, numerous pay stubs, getting fees together and dealing with the stress of them messing with us. During this process early on we found that one of our credit card companies had miss-reported to our credit that we had an account that was not paid and closed when it was. I had this fixed back in XXXX. In XXXX. The min requirement for our credit score came up and we were pre approved. Now 2 ot 3 days before closing, now one day, they come at us saying there are issues, they couldn't verify my employment, so I had my boss call. Submitted another pay stub. Now they are trying to bait and switch us to a different loan despite my credit score being higher as they say that is invalid and we now need 20 % down and they cant do the FHA loan. This is a clear bait and switch and very corrupt and obviously not legal. We have been struggling to figure out why they hit our credit report so many times making it lower in the first place but now its still in the 700s mortgage score and well over 700 basic score, ( a bunch of XXXX as well ), and now it has become clear. They never had any intention of helping us with the FHA loan in the first place and wanted to force our hand into coming up with more than XXXX of more money for them to take. This is immoral and they need to be sanctioned and fined heavily. They are rude on the phone and very unhelpful and this is our next step in getting assistance with these big companies taking advantage of hardworking middle class familys.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Data Breach and Violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Dear to who it may concern I am writing to file a formal complaint regarding a massive data breach that has affected Billions of individuals, including myself. The breach, which reportedly involves the exposure of sensitive personal data of 3 billion people, has led to widespread identity theft and fraudulent activity. I believe that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, has been violated in my case. 

Details of the Breach and Impact : I have become aware that my personal information, including my Social Security Number, address, date of birth, and financial details, was compromised as a result of the National Public Data breach ( NPD ). Since the breach occurred, I have noticed unauthorized accounts opened in my name, as well as incorrect information being reported on my credit file. 

I have notified the credit bureaus ( XXXX, XXXX, and XXXX ) of the fraudulent activity, but the issue persists, and inaccurate information remains on my credit report. As of today, I have not received a timely or satisfactory resolution regarding the correction of this inaccurate information, nor have I been provided with the protections guaranteed under FCRA 15 USC 1681, which mandates that consumer reporting agencies must delete inaccurate or incomplete information on a consumers credit report.

Violation of FCRA ( 15 USC 1681 ) : Under the Fair Credit Reporting Act ( 15 USC 1681 ), credit reporting agencies and users of consumer reports are required to take reasonable steps to ensure the accuracy of information in consumers reports. Specifically, Section 1681i outlines that consumers have the right to dispute any information they believe is incorrect or incomplete. Despite my efforts to notify the bureaus and request a correction, I am still facing the consequences of this data breach, which has impacted my creditworthiness and financial stability.

Additionally, Section 1681c-2 mandates that consumers be informed when negative information is reported on their credit file due to fraud. I have not received adequate communication or updates regarding the status of my disputes or any steps taken by the bureaus to investigate the fraudulent activity.

Request for Resolution : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit file is corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, I am requesting :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX ( XX/XX/2022 ) that you need my updated email address which is XXXX. It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX