23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

THERE WAS A CLASS ACTION SUIT AGAINST XXXX XXXX AND THE FOR-PROFIT SCHOOLS ( XXXX XXXX XXXX ). THAT CASE WAS WON AND STUDENT WERE TO BE GETTING OUR LOAN FORGIVEN. I RECEIVED NOTIFICATION OF THAT A FEW YEARS AGO VIA XXXX XXXXGREAT LAKES/NAVIENT XXXX THE ACCOUNTS WERE MERELY CLOSED AND TRANSFERRED TO A NEW LENDER AND NO BENEFITS WERE RECEIVED FROM THAT RULING. THESE CAMPUSES AND COMPANY ARE NO LONGER IS EXISTENCE AND I HAVE THIS EXTREMELY HIGH LOAN BALANCE. SEVERAL MONTHS AGO, IT SHOWED ON MY CREDIT REPORT, MY BALANCE OWED WAS XXXX AND WHEN NELET TOOK OVER MY LOANS NOW MY BALANCE IS BACK TO OVER XXXX. WHY THIS HUGE DECEPENCY? WHERE DID THE XXXX XXXX LOAN FORGIVENESS CASE RULING BENEFITS GO TO THE STUDENTS?
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, Transunion is corrupted. 

Secondly, disputes with a credit bureau are lodged only when the financial institution refuses to cooperate. 

Third, I lodged a dispute with transunion against a wrong information provided by a financial institution. The dispute got closed by transunion within 48 hours. I called transunion and the operator said even though a bank/financial institution provide wrong information to the bureau, transunion at all times would have to honor the bank because at any given time the bank takes precedence over a consumer. 

Report Created On : XX/XX/2020 File Identification Number : XXXX
Product: Credit reporting

Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with XXXX ... and XXXX points with Experian. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Experian ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.
Product: Debt collection

D & A Services, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, IL XXXX - Trying to collect on a debt that was completed in 2006 from returned damaged merchandise. The damaged merchandise was picked up in 2006 by delivery men of an XXXX store and XXXX sold the old debt to D & A Services. A XXXX XXXX, Manager, completed the return of the damaged merchandise. This was all done in 2006 and very old. We are not in possession of the damaged merchandise. I have notified D & A Services of the above and do not want them to continue with contacting me.
Product: Credit card

I first opened my American Express account as an XXXX XXXX member of the XXXX in XXXX of XXXX. I called AMEX to verify I would be covered under the Military Lending Act before doing so and they assured me that as an active service member I would be covered. However, in violation of the MLA I was charged an annual fee. I reported the issue to American Express that XXXX and provided documentation supporting my service. I repeated this effort on several occasions throughout XXXX and XXXX, bringing the issue to their awareness again in XXXX and XXXX of XXXX. Each time they have refused to deliver me additional information regarding why I was being rejecting for the MLA, instead only offering resubmit my application for coverage. According since receiving my card in XXXX I have had to pay over a XXXX dollars to AMEX in spite of the fact that as an XXXX XXXX XXXX I should be exempt from any annual fees. In general, the refusal of AMEX to further evaluate my claims for the MLA has cost me a great deal and I have been left with no recourse but reporting them to remedy the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two false hard inquiries to my credit report one from XXXX XXXX XXXXXXXX dated XX/XX/2022, and one for XXXX XXXX XXXX dated XX/XX/2022. A false account was opened in my name for XXXX XXXX XXXX. Additionally I have had false applications for California State unemployment dated XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

The inquires below are fraud and should be deleted. 

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
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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, credit repair services, or other personal consumer reports

n 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. Account name : CAINE & WEINER # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, 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: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

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
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, has violated my rights. 

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 an 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: Payday loan, title loan, personal loan, or advance loan

Message with support chat ( mind you there is no phone number or email to reach support and you must try and get past a chat bot to reach a real person ) Hello XXXX, thank you for contacting XXXX XXXX. My name is XXXX, how can I help you? 

XXXX XXXX  You said Yeah I can not log into the app or be verified. I received an advance before but I cant get in now XXXX XXXX Business said Okay, are you getting an error screen? 

XXXX XXXX  You said I was before. Tried deleting account and trying again but that didn't work XXXX XXXX  Business said I do see the account was closed. Unfortunately we can not reopen closed accounts, so that probably why you aren't able to access anything now XXXX XXXX  You said Okay so what can I do to get an account again XXXX XXXX  Business said We wouldn't be able to open a new one with you due to system limitations XXXX XXXX  You said lol wait so your system was messing up and now you can't even open a new one? I can't imagine that's great for your user base in case of problems. What kind of software engineer creates a system that can't so that simple task? 

XXXX XXXX  You said do that* XXXX XXXX  You said I guess I will need to file a complaint with the CFPB. Not having access to my account and history is a problem. 

XXXX XXXX  Business said We do have a disclosure to inform customers of that. Unfortunately I'm not sure what the initial error actually was, but we wouldn't be able to open another account with you now XXXX XXXX  You said That's fine but not having access to my account and history is a problem for you. To not have work around or fix for that issue as a fintech company is a major issue, for you.
Product: Mortgage

XXXX, nice and XXXX I have been in forbearance since abril of 2021 my first payment stated in XXXX but they told me that Im not in forbearance anymore and never put that money at the end of my Loan. On XX/XX/XXXX if I dont pay XXXX my house will go on forcloser. I have send them all the paper work they asked. 
City national bank and loss mitigation dept
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I dont recognize these accounts in my report. I am requesting the following information be deleted from my Early Warnings Consumer report immediately! I have attached a copy of the report to this request. 





Thank you for your assistance. 

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

Transunion is showing this still on my credit report- XXXX XXXX XXXX XXXX They agreed to delete it from my credit report. 

XXXX agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, they did a hard inquiry. XXXX XXXX XXXX  did a hard inquiry. I told some fraud happened and i didnt request any application for hard inquiry. There response you take care of yourself. Luckily they canceled the application and didnt sent the credit card as I have called them. 

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

I contacted Transunion and told him them about all those hard inquiries that I did not do as well as XXXX  and they couldnt help me so I contacted FTC to see if they could help me this is been very damaging to my credit score and I had nothing to do with his hard inquiries I hope you can please help
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a charged-off account that has been previously investigated due to discrepancies in the reported balance across the three credit bureaus. While XXXX has removed this account, it remains on my report with Experian and XXXX, with differing balances. 

Since XXXX found reason to delete the account, I am requesting that you review and remove this account from my report as well. If it can not be verified and resolved consistently across all bureaus, please remove it from my file to reflect accurate and fair information. 

XXXX XXXX XXXX XXXX : {$450.00} EXPERIAN : {$450.00} XXXX : {$0.00} Thank you for your attention to this matter.
Product: Credit card

On XX/XX/year>, I applied and was approved for a Citi AAdvantage Platinum Select Card. 
I was given a Temporary Card Number that did not work on online transactions, and I was not able to add the card to my XXXX XXXX. 
On XX/XX/year>, I received an email that said I will receive the card by XX/XX/year>. 
called Citi at the end of the day on XX/XX/year> and asked whether the card was shipped after I was approved and they said no. I requested a replacement and they refused expedited shipping, stating it will arrive in another 7-10 business days. 
I signed up for this card expecting time to make the necessary spend required for the AAdvantage miles sign up bonus. Now, it will be approximately ONE MONTH after getting approved for the card without any means to use it in order to meet the minimum spend requirement for the sign up bonus. 
Citi is not meeting their obligation to give me the credit I was approved for, and engaging in predatory practices by keeping the sign up bonus ( the incentive for why I applied for the card ) out of reach and refuses to take any action to remedy the card not arriving timely. 
I'm extremely disappointed with Citi 's service, lack of acknowledgement for the issue, lack of responsibilities to meet their own promise to customers for their products..
Product: Debt collection

Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is XXXX XXXX and i have been in touch with the official president of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to XXXX XXXXXXXX, 3 cards there XXXX, XXXX, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}
Product: Checking or savings account

On the XXXX XXXX XXXXXXXX a transaction of XXXX was transfered to my credit card at a XXXX balance and never remburst. Then a lost cellular device and no Identification card left me XXXX and both my credit card and debit card would not transact correctly after my complaint. Then I a attempted to close my account and the refused and the social security office could not issue a payment card due to the routing number of my account was still active. I had to call the bank back reopen my account which they refused to close due to my deposits approaching XXXX XXXX then with a no notification my old debit card was blocked and I could not transact. the bank would not assist in person citing two pieces of id were required left me XXXX XXXX XXXX XXXX XXXX XXXX. I ordered a new debit card it came in the mail to a church and the bank refused to activate it. On XX/XX/2022 terminal number XXXX reported a XXXX balance and declined transaction. On XX/XX/2022 the same terminal reported on the receipt print out available balance XXXX and declined transaction. both after reporting inquiry approved.the error code XXXX, XXXX, XXXX, have all performed decline. I am citing fraud Because I opened the Bank of America account with the bank officer photographing my face in office and issuing my account three security questions to access my account. To resolve error transaction their agreement states to give my name and account number. I belive it to be fraud becuse my banking has had suspicious activity over their phone line XXXX which they claim is recorded, and the have allowed me to withdrawl with out id and change my online banking codes without id and now will not activate my debit card without id citing they can not verify who I am.