23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received 3 emails from Chase Bank on XX/XX/2021 at XXXX XXXX  that I thought were fake. When I called Chase Bank that day, I told the representative about my concern and he stated there was nothing he could do because I wasn't a chase customer and to send the emails to chase 's phishing email, which I did right after. On ( XX/XX/2021 ) I received a letter in the mail stating they updated my address and email. I called the bank because I thought it was fake where the woman confirmed someone opened a checking account and debit card on ( XX/XX/2021 ). That same day I called all three credit bureaus for credit freezes and fraud alerts. The next day on XX/XX/2021 I filed a police report to dispute the bank account. The account was closed on XX/XX/2021. I then remembered that earlier this past spring, I reached out to my state representative for help because my weekly claims needed additional information to be processed. I then found out someone called unemployment ( I never had before ) tried to change things, such as my address claiming to be me. Unemployment wanted me to submit copies of my ss and my driver 's license on their website but I didn't feel comfortable because someone possibly got into my account and has my personal information. On XX/XX/2021 a representative from unemployment reached out to me for possible fraud on my account and I was informed my claim was a 'hijack claim. ' During the conversation, we discovered my claim was hijacked and my information was stolen from the XXXX XXXX. Into further inspection, the fraudulent bank account was linked to my unemployment for direct deposit, but they didn't receive payments due to my claim weeks needing more information for my address. Unemployment also told me there was another bank account at Chase Bank with my information and could only give me the last 4 numbers of the account but the woman confirmed my information was also linked to this new account I was told about. Then I called Chase right away in which they denied the account stating it was a profile that was not approved, or not established or no movement on the account. Additionally, Chase has not handled this issue correctly at all and I don't know where to begin. I swear Chase made this process so hard so I didn't close this account and can not believe they are allowing this online method to open accounts to occur since that is where the fraud is happening. Someone tried to open another account at Chase Bank but was denied due to the fraud alert but they wouldn't tell me the day this happened. I have had to spend close to 10 hours or more on the phone due to supervisors telling me wrong information, not being told about a profile being created the same day as the bank account, and their customer service representatives giving me personal information from the fraudulent bank account that wasn't allowed to be given out ( later found out from a supervisor ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REFER TO FRAUDULENT ITEMS LISTED ON THE ATTACHED FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband & I were previously with Greentree in XX/XX/XXXX when we purchased our mobile home and then Di-tech Financing took over. Greentree did not give a notice or notify us ahead. We have had our home since XX/XX/XXXX. Our total principal balance was XXXX & we still currently owe still XXXX yr of XX/XX/XXXX. Less than 1/2 of our payments goes towards the principal balance. ( XXXX Monthly ) They are under a lawsuit @ this time and some consumers or customers mortgage loans has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.
Product: Student loan

A
merican Education Services ( PHEAA ) continues to harass my cosigner and I. After I made a payment in full, they still sent letters to my cosigner asking for payments on XX/XX/XXXX. This harassment needs to cease and desist or else I will seek litigation with an Attorney for the constant harassment that occurs. This company is overstepping its maximum authority by doing this.
2nd to that, their system is not updating reflected payments that were made a day or days prior. As of today, I 'm putting this company under scrutinized investigation for Unfair Business Practices. The excuses that I continue to receive regarding their " rules '' are not going to be accepted, because I truly do believe they have no idea what harassment is. While AES maintains they are controlling/managing the debt that is owed, they are not entitled to act as an unlawful debt collector, which is the gist of it.
If I have intentions to pay a bill and it is paid, you have no right to continue to send letters harassing either my cosigner or myself. I do n't care what the loan agreement says. As far as I 'm concerned, that 's beyond the scope of the limitations at this point because it was years ago. In prescribing debt owed, that 's what it is, debt owed. It does not legally obligate any company operating in the United States of America to create their own laws which appear to violate the laws of the Federal Government. In short, you are not entitled to act as a hostile debt collector. This is why The Federal Government of the United States created those laws to protect us civilians.
I will absolutely not repeat this again.
Regards, XXXX XXXX XXXX & Attorney
Product: Debt collection

Sequoia XXXX XXXX listed an alleged debt on my consumer credit report. It is a false representation of an amount owed. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Sequoia Concepts Inc fall under UCC 9-110 under Article 2 or 2A?
Product: Debt collection

They are reporting XXXX charged off accounts from XXXX XXXX XXXX. This is being reported on my credit XXXX. They are reporting that I owe them this amount, as well as XXXX reporting the same thing. I've reached out to both companies and they're continuing to do that. How can they both be reporting the same debts on my credit report. XXXX negative marks. How can it be reported past due with the original creditor and the collection agency
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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has been provided with proof of purchase and payment for a vehicle financed through XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which is currently the subject of litigation for fraudulent reporting of non-payment. 

XXXX, along with XXXX XXXX, was presented with a negotiable instrument that fully satisfied the account. Despite receiving adequate notice and defaulting on their obligation, they failed to acknowledge the payment, continued collection efforts, and reported inaccurate information to credit bureaus. They have not submitted any documents or affidavits to properly close the account. 

I am pursuing legal remedies to compel XXXX  to comply with their obligations. Additionally, I request that Experian conduct a thorough and accurate investigation into these matters, update my records accordingly, and restore my credit score, which has been negatively impacted by this erroneous reporting. Experians negligence and non-compliance in addressing this issue must be rectified, as they have failed to uphold their responsibility in ensuring accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to lift a one time credit release on my credit report and the company 's system is generating questions from previous accounts on my credit and the amounts that were paid on them. I tried to explain to them that no one can remember exact amounts for payments from years ago with no avail. HAVE SPOKEN TO SUPERVISOR THAT THEY INDICATE THEY CAN NOT AND DO N OT HAVE NAY OYTHER MEANS TO VERIFY MY IDENTITY OTHER THAT ASKING QUESTIONS GENERATED BY THE SYSTEM THAT DO NOT MAKE ANY SENSE.I need to release me credit report and have gotten stuck and it is causing me thousands of dollars in damages due to their idiotic procedures. Need HELP.
Product: Student loan

I have sought income based payments. The majority of my loans qualify for the income contingent repayment plan. A very small number only qualify for the income based repayment plan. Nelnet has placed all of my loans in the more expensive income based repayment plan even though it is not the best option for all of the loans. When attempting to correct I am told our calculator says you belong in income base repayment and unable to get anyone to listen and look at it beyond plugging numbers into a computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.
Product: Credit reporting or other personal consumer reports

Many hard inquires on my credit report for credit cards and auto loans which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITALONE ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring CAPITAL ONE to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. CAPITAL ONE 'S policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Credit reporting or other personal consumer reports

Issue : XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
Metro 2 Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX reported a CO in XXXX and again in XXXX, without a change in the status of the debt. 
XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX 's reporting of CO every month without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX accountable for their actions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$9700.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I work on-call for a XXXX every two weeks, for two weeks at a time. I missed a single payment and they keep calling my phone 6-7 times per DAY.

I communicated to them multiple times that this is my work number every two weeks, and provided to them my specific schedule for when this is not my work phone number. I also told them during weekdays, this is my work number until XXXX. 

From what I understand, debt collectors can call you up to 7 times per week, not 7 times a day. I called them to submit a complaint, and to ask them to stop calling me and to stop the disruption the XXXX of the patients at the XXXX  I am employed at during these hours. They have not complied. 

The person I spoke to said they are legally allowed to call me up to 7 times per day. I spoke with a supervisor there and she kept talking over me and not letting me speak, and kept reinforcing that they are allowed to repeatedly call me on my work phone number. 

When I looked up this information, what I found did not align with what she said. She also implied that in the state she lives, Delaware, is close to Pennsylvania, therefore the laws are the same, according to her.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

I transferred money from my TAX saving account folder to an external bank account - got a confirmation ( I grabbed a screen shot ). Based on the delivery date on that confirmation, I could make the estimated tax on the due date. So I paid my estimated tax by the due date, so the IRS could withdraw it the next day. I went on the acct for another reason 2 days later - the money was still in the tax folder- I panicked and transferred again, but delivery would be 2 days after IRS would withdraw it. I called Square - the 1st CRS hung up on me when I insisted I talk to a supervisor and she said she could put in a request ; answer in 2+ days. The second call I get an agent that maybe sounds like he can do something. He looks and say he cant see ANY transfers Is my email correct? like I am XXXX XXXXXXXX. I sent him screenshots of 1st & 2nd transfers and of my dash showing my confirmed email. I also informed him of a " disruption '' banner message I am seeing on my screen- perhaps this affected my transfer? " Oh ... let me transfer you to the " Banking Dept to see where the transfer is. '' Banking can't see it either, so now ( nearly 100 min later ) it needs to go to " Engineering '' which most would not answer that day. Meanwhile the IRS withdrawal is scheduled. I did everything on time & based my payment decision on Square 's timeline for funds delivery. I told several of their customer service reps the simple answer was to do an instant transfer ( like they offer for a fee when customers pays into the account. ) Nope, not unless you have a banking account w/Square. Apparently your Square Balance is a placeholder and they will not return to it the money from a FAILED transfer out of the tax folder that I got a confirmation for & acted upon.
Product: Checking or savings account

On XX/XX/2022 I deposited a check from my employer XXXX XXXX  XXXX XXXXXXXX XXXX  for the amount {$1400.00} to my bank Ally Bank. On XX/XX/2022 Ally Bank Flagged my account for fraud and locked my out of my account. The same day I sent Ally Bank Verification documents to show that my check was legit as well as a proof of employment. Ally refuses to look at any of the documents I sent them and when I call them for a response they hang up on me.