23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$130.00} MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit card or prepaid card

On XXXX I received a completely unsolicited XXXX XXXX debit card from XXXX. The Issuing company is XXXX Bank and XXXX. XXXX XXXX is affiliated with XXXX XXXX and their frequent flyer program. I have never applied for a XXXX XXXX credit card or any other card associated with XXXX XXXX. There is an {$85.00} annual fee associated with this card if you choose to activate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the XXXX major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called TransUnion after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX  there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX under the account name XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the disputes I submitted over 30 days ago regarding inaccurate information on my credit report. I sent detailed disputes to XXXX, Equifax, and XXXX, listing the accounts in question and outlining the violations these inaccuracies represent under the Fair Credit Reporting Act ( FCRA ). 

Despite the 30-day response requirement stipulated by the FCRA, I have not received any acknowledgment or resolution from your agency. I am attaching copies of all the letters sent for your reference. 

I request an immediate investigation and resolution of these disputes, ensuring compliance with FCRA guidelines. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Trans Union and XXXX letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and trans union and XXXX  and they still have the items listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters in regards to inaccurate and unknown things on my credit report. Til this day I have not received a response. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items be deleted immediately
Product: Credit reporting or other personal consumer reports

I am requesting a formal review of specific accounts on my credit report, as they may not comply with federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my report is both accurate and legally compliant.

Per 15 U.S.C. 1681, I am entitled to privacy and accuracy in my financial records : Section 602 ( a ) affirms my right to financial privacy.

Section 604 ( a ) ( 2 ) prohibits reporting accounts without my explicit written consent.

Section 1681c ( a ) ( 5 ) restricts reporting negative information older than seven years, except for criminal convictions.

Section 1681s-2 ( a ) ( 1 ) mandates that furnishers only report verified, accurate data.

In light of these protections, I request a detailed investigation into the disputed accounts. If they can not be fully verified with appropriate documentation, they must be removed immediately. Please provide written confirmation of your findings and any updates made to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the late payments on XXXX XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX discharged Chapter XXXX Bankruptcy for a XX/XX/XXXX {$88000.00} home equity loan. Original obligation has not been discharged under Title 11 of the United States Code.
Product: Mortgage

1. We used a report issued by an FHA appraiser in order to qualify for this loan.

2. Later, I had a secondary inspector come and look through the house.

3. He gave me the report that is attached to this email. And he also said that he thought that the house was such that it should never have qualified for FHA approval.

4. He suggested that the license of the person who made this appraisal should be pulled.

5. I contacted the FHA to let them know that they had possibly a corrupt or sloppy inspector.

6. They told me that I should contact the loan servicer as the first step.

7. And so, here we are.

( Please note that the INDEPENDENT home inspector found about {$7000.00} worth of repairs that would have been necessary to make the house qualify for an FHA loan. Those are {$7000.00} that I have to come up with out-of-pocket in order to get the house up to code, even though it was not up to code a single day of the six months that we have lived in it. The house is a fire hazard, if for no other reason than the fuse box that needs to be replaced because it is out of date and out of code.. ) Attached is the report from the secondary inspector, which the mortgage Servicing Company already has. 

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

Transunion improperly calculated my credit score ( it dropped XXXX pt in 1 day without any information or substantiation ). Multiple attempts to contact Transunion via phone or website have failed. The XXXX 's online dispute form is broken after submission. 
Given the XXXX 's market position, there is no visible recourse.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act and regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

On XXXX/XXXX/16, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.
Product: Mortgage

Ocwen. No paperwork to participate in class action suits. We were victims of wrongful foreclosue and fake loan mods. Losing payments. Unposted payments. And more
Product: Consumer Loan

My daughter has a auto loan with Santander, she has had the loan over XXXX years. She still owes as much on the loan as she originally paid for it.. Her interest rate is 20.76 %. She was approved for a loan she could not afford. I have talked with XXXX XXXX at Santander and I talked with the woman in charge from the office of their president. She said no they could not help. They also refuse to refinance their own loan ... I asked for forgiveness on the late charges. answer was no. I asked to refinance, answer was no. i have helped her and she is now up to date. She signed this loan agreement. she was foolish. However i do feel like this company is taking unfair advantage of people. High interest rates. I wish they had just turned her down for a loan. I do not think she fully understood the terms of this loan. However no one twisted her arm. she was just stupid, and that hurts. Predators take advantage of stupid and foolish people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX XXXX gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXXXXXX XXXX  engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you
Product: Consumer Loan

On XXXX XXXX, I received a phone call at work with some one stating that I owe a debt. I have received nothing in the mail from this company ( XXXX ). After informing them that I have n't received any thing in writing they stated that they emailed it and it was valid. I Informed them that I require every thing by mail. I have yet to receive a debt collection notice. On XXXX XXXX XXXX called at XXXX XXXX. After informing them of the time, they said it was XXXX in XXXX. After verifying my address, I informed them that I was a legal resident of XXXX and all phone calls need to be in the timezone in which I reside, not where my cell phone number is from. I have yet to receive a letter stating that I owe a debt. They have also failed to provide me with proof that they are a licensed debt collection agency within the state of XXXX. There has been nothing changed on my credit report, and to my knowledge I do n't owe any one.
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 dispute outcomes. 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 Experians inaction violates federal law and my rights as a consumer. 



Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

JP Morgan Chase Bank, at which I had checking and savings accounts for 40 years, is unlawfully holding my funds and refuses to release them. 
This complaint follows my XX/XX/XXXX CFPB complaint ( # XXXX ). I sent the earlier complaint because a check I drew from my Chase checking account in XXXX was stolen and cashed, without my knowledge or authorization. Chase says it attempted to contact the bank that my stolen check was cashed at ( XXXX XXXX ), but that XXXX XXXX was unresponsive, and therefore Chase said, it would not help me recover the stolen funds. 
NOW : After Chase announced its refusal to help me, I sent complaints to CFPB ; to the New York State Attorney General ; and to the New York State Governor 's Office. Suddenly, Chase says that it HAS RECOVERED my stolen funds. 
And yet, Chase is not above retribution. In XXXX I received two envelopes from Chase, each containing one cashier 's check, and each for the exact amount of funds that were stolen ( {$2000.00} ). In other words, I have no idea what to do about this gigantic error on Chase 's part : Do I cash one check and destroy the other? Is the second check compensation for the heartache and trouble Chase has caused me? 
I notified Chase Executive Offices immediately about the issue. As of this writing I have received NO GUIDANCE from Chase whatsoever. 
How is this bank entitled to treat New Yorkers so cruelly and indifferently? 
I desperately need this money, and Chase is earning profit off of it. This is unfair. Please help me stop Chase Bank 's unlawful holding of my funds.
Product: Credit reporting or other personal consumer reports

YOUR COMPANY IS REPORTING AN ACCOUNT ON MY REPORT THAT IS REPORTING INACCURATE, INCOMPLETE & NEGATIVE INFORMATION ON MY CONSUMER REPORT. IT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN ALL 3 CRA 's . IT IS ALSO SHOWING INACCURATE PAYMENT HISTORY IN THE ACCOUNT BETWEEN XXXX, XXXX XXXX TRANSUNUION. THIS IS A VIOLATION OF THE FCRA. THE ACCOUNT MUST BE DELETED FOR THIS VIOLATION. DELETE ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request you to delete these inquiries. I have no knowledge of them, and the company proceeded without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Product: Debt collection

In XXXX of XXXX, I received a debt settlement letter from National Credit Adjusters giving me three different options for settling a debt. I am not 100 % sure what this debt it but National Credit Adjusters reported it twice, as two separate accounts but for the same dollar amount to the credit bureaus. When I received the letter, I selected option 1 and settled the debt for 50 % of the balance and paid {$110.00} on XX/XX/XXXX ( the deadline to pay was XX/XX/XXXX ). 

Since then, National Credit Adjusters has repeated reported the account as being an active debt and has ignored my attempts to contact them for removal ( I've emailed and called as well as disputed the debt via the credit bureau. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that XXXX XXXX and Indigo are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.
Product: Student loan

I requested a refund request for payments made during the pandemic. My loan balance increased by approximately {$900.00}, reflecting the refund amount requested ; however, it's been over 1 year and I still have not received the refund from Edfinancial. I have contacted customer service many times since trying to get additional information and my refund. Most of the time the response is akin to " We'll look into this '' but I have yet to receive any actual useful response or information. I have verified they have my correct name and address several times.
Product: Credit card

Capital One closed my account due to a payment that got returned which was out of my control and then asked me to produce a bank statement from a payment source that was not my own. I had made over 48 straight on time payments with this account and not once ever late. When my account closed Capital one change my account information and my auto payment didn't get paid. This caused me to in turn become 30days late in error. 
I am asking that this 30 day late payment be updated to paid never late.
Product: Checking or savings account

I previously had an account with Fifth Third Bank and account we overdrawn for too long and they closed my account back in XXXX and they sent me charge off paperwork XXXX to file with my taxes in XXXX and I filed it and I was told things would be clear and I could re open an account with them and any negative reporting information would be removed and it is XXXX and I still am unable to get an account with them and negative information as overdraft and fraud is reporting which is not accurate.