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

I noticed on XX/XX/2021 that unauthorized charges were appearing on my transaction list and I called my credit card company and advised them. We identified transactions between the XXXX and XXXX that I did not do. During those dates I made one transaction in which I informed them of. About 45 days later I was sent a letter stating my dispute was denied. I then appealed the dispute and received another denial stating it was denied because I was either with the person who used it and or my pin was entered in which I have never used a pin for my credit card. This is definitely a valid fraud case that has not been investigated correctly. They day of me appealing the customer rep advise me because I had the card on my phones digital wallet they were not able to determine if the phone made the transaction or the physical card. The bulk of the charges show coming from another side of town that I dont live or go to.
Product: Mortgage

On XXXX XXXX, 2017, I went on the website of Plaza Home Mortgage XXXX XXXX XXXX XXXX to pay my XXXX 2017 payment. The was accepted and i received a confirmation that the payment was received. I fact, at the bottom of the confirmation page it states " Your payment was successfully completed. Thank you for your payment. Please retain your confirmation number for your future reference. NOTE : Payments may take up to 2 business days to post. however, the transaction will be effective for the date submitted. '' ( Attached as Exhibit A ). This makes PLAZA liable for this payment. On XXXX XXXX, i received my paycheck and logged in to my bank account. i noticed that the mortgage payment had not been deducted from my account. I called Plaza Home Mortgage to fine out why. I was told ( 1 ) my payment was rejected by Plaza and ( 2 ) the mortgage had been transferred to another service provider on XXXX XXXX and that i would be receiving information and ( 3 ) my next payment was not due until XXXX XXXX. I asked them why that was n't noted online on XXXX XXXX and the representative did not know. I said okay thank you. 
As of XXXX XXXX, i had received NO NOTICE FROM PLAZA that my mortgage was being transferred. TO DATE ( XXXX XXXX, 2017 ) i have received no notice from PLAZA. In a letter dated XXXX XXXX, which i believe i received on or about XXXX XXXX, I received notice ONLY from the new service providerXXXX ( attached as Exhibit B ) that they were the new service provider. 
I established an online account in order to make the XXXX payment. On the XXXX 's website, it was listed that my next payment to them was due XXXX XXXX, 2017. Therefore, I made an additional payment with this money on my credit card due to the information i received both from XXXX 's website and Plaza representative. 
In then received a statement from XXXX stating that i owed XXXX 's payment. ( Attached Exhibit C ). After trying to resolve this matter with both XXXX and Plaza, i have been unsuccessful. I do not have an additional payment now to be made to bring my account current. 
Plaza insisted when i tried to resolve this matter that they mailed me a notice. I asked if they had proof of delivery or mailing, i was hung up on. 
I am requesting that the XXXX payment be removed due to Plaza 's lack of timely notification to me that a transfer was taking place that they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX Bankruptcy Chapter XXXX- discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until Chase just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and Chase Card never notified me prior to the " charge-off ''. I noticed the problem on the XXXX website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with Chase Card but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The Chase representatives forwarded me to their Corporate Card Charge-off Resolution & Credit Bureau Specialist. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.
Product: Debt collection

I was a co borrower with my ex wife on a XXXX XXXX account account once we broke up she up she took the furniture and said she will take responsibility of the account I wrote in called in called and did everything in my power to notify XXXX XXXX that I want it to be removed off the account once she stopped paying the account they refuse to remove me Now the account is in collections on my Credit report I called into XXXX XXXX to settle the debt because I am trying to purchase a home and they told me her account Was referred to a collection agency named nationwide collection agency inc I called them and they told they told me my name is not on the account and they can not speak to me about the account and I continue to get the run around from XXXX XXXX and nationwide inc And XXXX XXXX told me that I need to find where my ex wife is and contact her so we coukd settle the account which I wouldn't even know how to begin to do that since we have not spoken and over 3 years
Product: Credit reporting or other personal consumer reports

I sent NOTORIZED affidavit to XXXX XXXX and Experian I have return receipts They never made CORRECTIONS to my address.
Product: Checking or savings account

Wells Fargo has closed accounts for purely political reasons. They obviously did not learn from previous documented malfeasance! Investigation and recovery is warranted.
Product: Credit reporting or other personal consumer reports

I am in process of purchasing a home. My credit was ran & a balance owing was reflecting on my account with XXXX that had previously been paid in full. 

The account was reporting a balance owed of {$650.00} with no lates on my report on XX/XX/XXXX. A request was made to rescore my credit report to reflect correct balances for the creditors I paid off & requested for the reported information to reflect the balance paid in full. 

Upon that request my credit report dated XX/XX/XXXX reflects lates were then added to the credit report after the fact. I requested removal of the lates and was told I would receive a letter to confirm the lates were added in error and the creditor send a paid in full letter not addressing the lates.
Product: Prepaid card

my trip was to XXXX XXXX XXXX at XXXX there was a charge on my card from XXXXXXXX XXXX  there was only XXXX on the card but I was told the charge was XXXX. I called and stopped the card and put a hold on it. they said they money might come back. so I waited a few weeks and nothing. I then contacted them again and now was being told I have to submit a claim form, ( never was told that in the begining ) so I did that and they won't give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

can i get a letter from you guys rgat states i gor your ok to have gard inquiry drleted thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus regarding XXXX debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is concerning accounts Great Lakes is furnishing to the consumer reporting agencies. Please see the attached documents to view the specific details about this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, Subject : Correction of Personal Information in Credit Report I am writing to request a correction to my credit report regarding the incorrect listing of my name. Upon reviewing my credit report, I discovered that my name is listed incorrectly in several variations. The following names appear and do not accurately reflect my full legal name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX My correct legal name is : XXXX XXXX XXXX XXXX. 

I request that my name be updated to reflect this correct version to ensure the accuracy of my credit profile. Enclosed with this letter are copies of my identification documents, including a government-issued ID and a utility bill, to confirm my identity and the correct spelling of my name. 

Please confirm once this correction has been made. If there are any forms that I need to complete or if further information is required, do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Thank you for your assistance in ensuring that my credit report is accurate. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverifiedinformation without providing any proof within the period allowed by law. The account needto investigate and correct for erroneous reporting in my file and is listed on my creditreport : XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting XXXX to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : XXXX XXXX : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but XXXX has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and XXXX has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with XXXX, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure XXXX fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, In XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of outdated employment information from my credit report. Specifically, I would like to dispute the listings of my former employers, ( XXXX XXXX XXXX ) which does not accurately reflect my current employment status. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c, information that is outdated or no longer relevant should not be reported. Since these employers are no longer applicable to my credit history, I ask that you remove this information promptly. 
Please investigate this matter and update my credit report accordingly. I would appreciate a written confirmation of your actions, along with a copy of my updated report. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX performed a hard inquiry on my credit report without my consent and without notifying me that they intended to perform this inquiry. I was simply relocating my service with them across town. I called Equifax to dispute it. They told me to contact XXXX XXXX XXXX. XXXX XXXX XXXX said they could not help me and that only Equifax could help me. When I contacted Equifax again, I spoke with two low level customer service representatives before I spoke with XXXX  ( Agent ID XXXX ). XXXX refused to share her full name with me, but she did tell me she was a supervisor in the Dispute and Fraud Department located in the XXXX. They said they could not file a dispute for this action by XXXX XXXX XXXX and said I had to file a complaint with the FTC or a police report. I chose to file the complaint with the FTC because I felt like my local police department would think it was ridiculous to file a police report for something that should be handled by the credit agency, Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$5300.00}, XXXX XXXX  XXXX Balance : {$10000.00}
Product: Prepaid card

Subject : Formal Complaint Regarding Illegal Closure of Spending Account Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Division, I am writing to file a formal complaint against robinhood regarding the illegal and unnecessary closure of my spending account without any explanation provided. This action appears to be retaliatory in nature, following a previous complaint I filed and information I provided that led to an open case with your agency. 

Despite my repeated attempts to address and rectify the issues with my account, I have received no satisfactory resolution from robinhood. Furthermore, I believe my rights as a consumer have been violated, and I am seeking justice for the fraudulent actions that have had a significant impact on my life. 

The closure of my spending account was abrupt and without warning, leaving me without access to my funds and disrupting my financial stability. The lack of explanation for this closure raises serious concerns about the legality and transparency of robinhood 's actions. 

Moreover, I suspect that this closure may be a form of retaliation for my previous complaints and the information I provided to the CFPB, which resulted in an open case. And institutions deregistering from arbitration data base which I have proof in XXXX  letter!! to avoid the claims I have presented with the hard evidence me and my private attorneys hold!! Despite providing concrete evidence of fraudulent activities by nfcu and creditor bank ], I have not received any remedy or corrective action. 

I have diligently kept records of all communications, transactions, and documentation related to my account, which serve as evidence of the fraudulent practices with all recent institutions. I am prepared to provide these documents to support my claims and seek justice for the harm caused to me as a consumer. 

As a victim of financial fraud and misconduct, I am requesting that the CFPB take every necessary action to investigate this matter thoroughly and hold Robinhood accountable for their unlawful actions. I also urge the CFPB to ensure that appropriate remedies are provided to me and that measures are taken to prevent such injustices from occurring to other consumers in the future. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to address the egregious conduct of robinhood and the other fraudulent actions of the institutions and provide me with the justice and restitution I rightfully deserve. 

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

There are multiple errors in the listing that are damaging to me including, balance, payment status, and a date of last payment. JPMCB claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Student loan

Graduated XXXX and began repayment in what I was told was an eligible repayment program for public service loan forgiveness. I've been full time employed in XXXX XXXX for XXXX years - all during the time of loan repayment. Made payments monthly and on time as required. Recently applied in XX/XX/XXXX at the end of my 120 payments and was denied due to being enrolled in the wrong payment plan. I understand this is a common complaint. Looking for advice for those who entered into these programs with the understanding we were doing what we were supposed to only to be denied after 120 payments, 10 years of being misled or misinformed. 

I appreciate your consideration and advice.
Product: Student loan

My Information was falsely used to receive a student loan. I have no knowledge of this information being given with permission. I have proof that I should not have had a student loan added to my account at the time of received due to the fact That completion of diploma was not received. I have received my student diploma the year of 2024 and can provide proof.