23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous reports that were not open by me this has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Thanks in advance
Product: Student loan

I cosigned a private student loan from Navient for my then partner XXXX. My former partner made payments on time for nearly 6 years until he lost his job in XXXX. My former partner did not finish his degree, so he could not request cosigner release from the loan ( The loan holder must request cosigner release and there is a whole list of requirements that I was not aware of. I thought the loan worked exactly like my student loan from XXXX, after 2 years of on time payments, my cosigner was released ). Due to the confusing and unfair terms of the cosigners agreement, I am now stuck paying off the loan for someone I am estranged and ca n't contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive ask experian to remove unauthorized hard inquires. and yet they have NOT done anything. this is extremely affecting me from getting any sort of credit! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed immediately from my credit
Product: Credit reporting or other personal consumer reports

Only hard inquiries that should be reporting on my credit report are XXXX XXXX and XXXX XXXX. Ijnfirmed them I never applied for any credit with anyone other my bank.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on 07/07/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX
Product: Student loan

The heartland ecsi received every month a check from my employer contribution in the sum of XXXX $ each month. However, they refusing to count it towards the bill and asking to pay another full bill. This is not what I agreed to pay back. If I pay payment that month in any day, they should be counted towards this month payment or at least the next one period. Im not going to pay more or less, this Loan service must do their jobs and comply with agreements that students have. Please address this issue with them.
Product: Credit reporting or other personal consumer reports

XXXX reported my account with XXXX XXXX as closed then opened the account back up on my report without my consent and I opted out of XXXX XXXX  reporting my personal information and they are still proceeding to share my personal information violation under the privacy act of 1974 and a violation to the FCRA unfair and inaccurate reporting please make sure the company does an investigation thoroughly to acknowledge my claim I hereby claim that the foregoing statements are true an correct under the penalty of perjury
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX  by Capital One Bank. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact Capital One ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).
Product: Credit card

Paid XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 ) complete per the balance due ; payment was posted to the account on XX/XX/2023 for the full amount on the statement. 
XX/XX/2023, a valid charge was posted to the account in the amount of {$26.00}. 
XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 received with an interest charge of {$2.00} on a balance of {$150.00} as of XX/XX/2023 XX/XX/2023, at XXXX EST and a twenty ( 20 ) minute duration. I was advised that the interest is from the {$36.00} charge that posted to the account on XX/XX/2023. It was clarified to the Bank of America representative that the account per the XX/XX/2023 statement was paid in full as of XX/XX/XXXX, response yes. Clarified again that I am being charged interest of {$2.00} on my XX/XX/2023 statement for the charge that posted to my account on XX/XX/2023, which is after the XX/XX/2023 statement parameters, response yes, I can be charged interest for that charge until it is paid in full. Bank of America can charge interest for the previous two-month statements if the charges are not paid in full. 
I advised that I did not agree with this policy and that I would not be paying the {$2.00} interest fee and would be filing a complaint with the Consumer Finacial Protection Bureau.
Product: Credit card

On XX/XX/23, I spent {$1500.00} on flight and hotel stay through a Chase travel promotional offer. The offer said Id receive XXXX additional bonus points, but the points were never deposited into my rewards balance. I called about five times and they kept saying it can take up to XXXX weeks to process. XXXX weeks has since passed and the points are still not showing up.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX I bought a netSpend card at XXXX for {$2.00} and loaded {$55.00} on it. I wanted to do some online buying. When I tried to register it they wanted copies of my ID, Social Security card, pay check stub, or other government paperwork with my address. Reluctantly I sent them my ID ( invalid-out of date ), my SSC ( accepted ), and a SNAP review ( invalid-over 30 days old ), four months of rent reciepts ( rejected ). Later I sent them my XXXX XXXX ID ( rejected ) and a XXXX letter dated XX/XX/XXXX ( also rejected ). This is all the paperwork that I have. I am an XXXX XXXX XXXX that works part time. I get paid cash, there are no check stubs. It took months to save that money for some holiday spending. They say that this prevents money laundering. That would make sense if it were {$5500.00}, but not {$55.00}. netSpend has hijacked my money. Ther should be regulations as to the amounts that this criteria can apply. On the outer package it says they will need your name and address, your date of birth, and your SSN. It does n't say anything about copies of all this and other stuff. Thats got to be false advertising. I called for a refund today, they said it would take 10 business days.
Product: Credit card or prepaid card

I applied for a credit card with Chase Credit Card ( J.P. Morgan Chase Bank ). My card was approved and opened XX/XX/XXXX with a {$33000.00} ( XXXX XXXX dollar ) spending limit. My card was closed by them on XX/XX/XXXX. Chase is using criteria which is having a disparate impact on XXXX and possibly other minorities. The reason I say other minorities is I believe it also effects people of non- XXXX XXXX. Several lawsuits and complaints about XXXX accounts being closed. So an XXXX may be demographically listed as XXXX but isn't XXXX. Hence I also believe that a careful look at those that effected from the policy ( s )  they are using to deny me credit ( I have 820+ credit scores ) have a disparate impact on XXXX and possibly non-XXXX. This is the 3rd time they closed an account and have refused me credit. The initial happened after I used my card in XXXX and used my bank account to wire money to the same. I am XXXX hence I travel to XXXX as a XXXX would travel to or send money to XXXX. Please stop these unfair practices. People should be treated equally regardless of origin or visiting countries. My identity was confirmed and I have never not complied with any regulation.
Product: Credit reporting or other personal consumer reports

I checked my credit information and there was late payments on there and i want to get that resolved and off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion are not doing proper investigating When I dispute accounts not mine they verify account that's not mines They fail to removed they threaten my housing and cost me to receive no lending
Product: Credit card or prepaid card

Attached you will find screenshots pertaining to my dispute which you continuously dismissed without looking over the evidence that I have which is overwhelming, If you are too lazy to look over the 29 screenshots provided. You can just open the file titled XXXX Acknowledgement which clearly shows that XXXX verified that they processed my refund. On XX/XX/XXXX I made a purchase utilizing my apple card on XXXX. The purchase was from a third party seller. I never received my item that I ordered. Instead of going to Apple Card Support. I initiated a A-Z claim on XXXX which would allow me to resolve the issue with the seller. The seller told me to deal with XXXX who would then conduct an investigation. I contacted them multiple times and have screenshots of all the correspondences which will be attached for your reference. I then opened a dispute with Apple Card in order to get this resolved. They never asked me for evidence and I got the dispute resubmitted 3 times all hoping that they would ask for my evidence which clearly shows that I was supposed to be refunded by XXXX. One screenshot even has an XXXX employee who sent an email confirming that they refunded me the full amount on XX/XX/2020. I called XXXX Support and spoke to XXXX who confirmed to me on the phone and also provided me an email for Goldman Sachs ' reference. It appears that my dispute was repeatedly denied without asking for any evidence. Since Goldman Sachs refuses to ask me for any evidence. I find it necessary to open a CFPB complaint against them so they can look over my information. I reiterated to them that I have clear and concise proof that a refund was supposed to be issued to me. Most recently, today I was reffirmed to have gotten the refund. The first screenshot shows an XXXX representative stating explicitly that an additional refund is not possible which implies that a refund was processed. Otherwise, they would not have used the word additional.
Product: Credit reporting or other personal consumer reports

I have been disputing an account due to fraud and identity theft for XXXX months. I have opened a dispute with Experian multiple times and reached out to the creditor for proof or validation of the account. XXXX, the account, said they had misinformation in order to open the account, They had the wrong email, phone number, and social security number listed for me, and for those reasons alone, the account should have been blocked and deleted from my credit report. Experian said I hadn't submitted enough information to substantiate the claim, even after I submitted ALL the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX, my account was closed because of fraud on my checking account associated with Bank of America. I was unaware of the fraud immediately, but when I became aware that my statement was inaccurate, I locked the account and it took more than a month to resolve the fraud because I had to come into the office in person. When I did we realized that in the process of getting this resolved I had missed a credit card payment. The only payment I had ever missed with Bank of America. They reversed the fee right away and I moved on from the incident. Now I am looking to buy a house and all three credit bureaus show that I have a 30 day late payment on my account. I tried to resolve this in XXXX of XXXX and never heard back from Bank of America and the credit bureaus never XXXX XXXX Bank of America as well. I called again on XX/XX/XXXX and they apologized that the information entered in XXXX was inaccurate. I was told they could fax me a credit dispute letter within XXXX hours and that I was all set. I called after XXXX hours because no fax had been received. During this call I was told that the XX/XX/XXXX call was also inaccurate and that instead my case is being considered by their review team and that it would take XXXX business days before they would even have a resolution and that I would have to call them to check on the status or else I could wait another XXXX weeks for the letter to arrive in the mail. 

Countless times I have asked what I did wrong or why I need to prove that I deserve this to come off my credit report when I was the victim and the only answer I have received is that if I setup autopayment it will show I am committed to not letting this happen again. I just want to buy my first home and I worry that I will be out thousands of dollars for Bank of America 's mistake.
Product: Debt collection

This is less about aggressive tactics and more about repeatedly ignoring our calls to try and pay off the debt while continuing to add interest to the amount owed. My partner and I have been trying to reach Eastern Bank 's debt collection department since XX/XX/2020 so that we can pay off our debt with them. We have been put on hold for over an hour, transferred around to different departments ( apparently none of them the correct department ), and eventually we just get hung up on. We've tried emailing, also no dice. We've never experienced such an uphill battle to try and pay a bill. But then we noticed that month after month Eastern bank is adding interest in what seems like an attempt to restart the clock on the 7.5 year time limit for leaving the debt on our credit reports. All we want is ( 1 ) an actual means of communicating with this company that holds our debt, ( 2 ) an accessible means of paying off said debt, and ( 3 ) we don't believe we should be responsible for the interest that's been accruing while Eastern Bank refuses to answer our calls/ acknowledge our attempts to pay our debt.
Product: Debt collection

Called " Midland Credit Management '' on XX/XX/23 regarding a {$360.00} debt I owe with XXXX. They also stated that Midland Credit Management has taken over the account and it is no longer with XXXX. I have never owned/opened a XXXX credit card and they are stating that I opened it in South Dakota XXXX which I have never visited and am a California resident XXXX Customer service at Midland Credit Management was also very rude, asked for my social security number right away ( which I did not provide ), and stated I had to pay them immediately with no explanations.
Product: Money transfer, virtual currency, or money service

i called PayPal support to get a transaction that was on hold to be lifted off hold so i could pay for services for my business. the tech said he needed to put money on one of my cards to get it registered so he wanted a log me in thing set up so he could use my screen to do whatever it was he needed to do. so we installed an app allowing him access to run my computer. as the technical problems kept mound up he said one last thing we could try, get my wifes debit card we would transfer money from her account to PayPal my account and then put right back in her account. as i logged into her account he said he wasn't able to see the screen while i was logging in. so he transferred XXXX out of her account and then said he put it back. all while making another transaction to him self i didn't know about and tricked me into pushing the accept and pay button saying " don't worry it will be right back in there " any way so we got the hold lifted and my 2 payments of 500 went thru. then my wife the next day asks me why is there XXXX paid to that tech from PayPal? I don't know there was not supposed to be any payments made from her account, I tried to contact him back and have got no answer or return call. so i filed a report with PayPal and they said in the resolution department they couldn't do anything about it. so here i am hoping you can help. it was their support that did this and that money needs to put back in my wifes account. 

thanks for your time and immediate response on this matter. 
XXXX XXXX XXXX XXXX feel free to contact me for any further information
Product: Credit reporting, credit repair services, or other personal consumer reports

T

his is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.
Product: Credit reporting or other personal consumer reports

XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please remove all the fraudulent items in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX  scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXX 's groceries stores XXXX groceries stores XXXX grocery stores XXXX   groceries stores XXXX grocery stores XXXX groceries stores XXXX  groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXX XXXX franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX  Dinners thru out the XXXX XXXX XXXX  resterant stops diner menus
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX EXETER FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Checking or savings account

Hello, I had opened my US Bank Easy Checking account during the promotional period wherein if I get a direct deposit of {$4000.00} or above then I would be eligible for a {$400.00} bonus for opening my bank account. I opened my account over the phone and the representative over the phone said that I was registered for the promotion and that I would get it within a couple of business days of fulfilling the requirements. I opened my US Bank Easy Checking account back in late XXXX and I have already funded it with multiple direct deposits of over {$4000.00}. However, I have not received that bank bonus yet and after calling customer service, I did not get any proper response as to why the bonus has not been posted. They did not provide any resolution on the matter. I am hoping to escalate this matter so I can get the issue resolved and attain that {$400.00} bonus that I am missing.
Product: Debt collection

Closed Complaint - XXXX Valor closed the referenced complaint, stating that they requested a copy of a contract in XXXX. However, I have not received any calls or documentation regarding this request. Furthermore, the invoices I provided indicate that my toll account had a credit balance until the charges from XXXX XXXX were transferred to my account.