23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

American express serve card purchased for XXXX in cash from XXXX with friend. I spent roughly XXXX on XXXX purchases. Needed some cash back so i had to send additional info in for atm use. Social security number was entered in wrong to begin with. They canceled card and refuse to refund the other XXXX The card was lost or stolen the next day. It's been roughly 3 weeks now.
Product: Credit card

I had lost my job and couldn't make payment because of my son illness. I contacted the bank for help but no help. I had so many late fees and the interest kept going up because I could make the payments. But I was told if I paid a amount every month I wouldn't get late payments on my credit but I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2.  XX/XX/XXXX 3. XX/XX/XXXX
Product: Checking or savings account

I received a Square Business debit card in the mail. It was sent to my home address in my name. I did not open this account ; someone else was able to open the account fraudulently in my name. This is the second incident of fraud involving Square Inc XXXX XXXX XXXX in the past 2 weeks : My wife received the same type of card in her name last week, also as a result of someone fraudulently opening the account in her name.
Product: Credit reporting or other personal consumer reports

SageStream , LLC Consumer Center Support Team, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

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

I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Mortgage

On XX/XX/XXXX, my agent submitted request for a short sale. On XX/XX/XXXX, my agent was informed that they had denied my short sale due to the statue of limitation. XX/XX/XXXX, they submitted waiver to PHH me waiving my rights and to move forward with the short sale. XX/XX/XXXX they denied the waiver due to the delinquency of the loan. I am asking for them to review and allow me to move forward with the short sale as i do not want to lose it foreclosure. I worked very hard for my home an unfortunately fell into hard times illness, loss of income and deaths in the family and couldn't make my payments. I have been a XXXX XXXX XXXX XXXX XXXX, in XXXX when XXXX came about my business started declining and XXXX I succumbed to their success which caused me not being able to pay my mortgage. I couldn't keep up and I did seek help and was offered a modification that was not affordable with my income. Please I am asking for them to consider the shot sale so i can move on from this nightmare.
Product: Credit reporting or other personal consumer reports

Hello, My Dispute involves a Negative comment reporting on my credit report for the last 16 Years that I would like removed. 

In XXXX my XXXX and I filled Bankruptcy. The Bankruptcy was discharged that same Year. We had a mortgage with Third Federal Savings and loan and we wanted to keep our home so we " Reaffirmed '' the debt ''. 

The loan was paid in Full and closed in XXXX of XXXX. The concern is that Third Federal continues to report that the mortgage debt was " reaffirmed ''. It has been over XXXX  years and this negative comment is adversely affecting my credit score. XXXX is showing a low FICO score and indicating a bankruptcy is affecting my score, however the Bankruptcy in and of itself is NOT showing on my credit report just the " REAFFIRMATION '' of the debt. I have asked " TFS '' to remove the comment and they are indicating the it is XXXX 's responsibility to remove Negative comments after XXXX  years. It has been XXXX  years of reporting this negative comment. Please help. 

XXXX says that Third Federal is responsible for moving this comment and " TFS '' insists that XXXX remove the comment. This back and forth has been ongoing for the past 6 months - The comment gets removed, then gets put right back on. This is affecting my credit score.

I need this comment removed as it gives the impression that bankruptcy has been filed recently, and again negatively affects my Fico score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims XX/XX/XXXX fraud/account fraudulently opened. Please remove this data from my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am providing you with my former employe rs EIN num bers received from social security. I n  XX/XX/XXXX . I  worked for   XXXX   XXXX  . Fro m  XX/XX/XXXX - XX/XX/XXXX  I  was employed with   XXXX    XXXX . I was employed with  XXXX    XXXX    XXXX  from  XX/XX/XXXX - XX/XX/XXXX . Their EIN #  is  XXXX . I was employed with  XXXX   XXXX   XXXX   XXXX   XXXX  from   XX/XX/XXXX - XX/XX/XXXX .Their EIN #  is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased. Equifax is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. 
Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S.

Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
remove the following accounts from my profile immediately XXXX XXXX XXXX XXXX XXXX Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
You, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
Transuion, XXXX, XXXX and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I tried to apply for a credit card and was told that I had a charge off from Bank Of America. I contacted them and found out that at XXXX, there was a fraudulent account opened in my name. I disputed the information with the credit bureaus and bank. The bank has not removed this information and told me that a XXXX year old can open a credit card but I never opened this account. The address and date of birth is not the same as mine. I have tried to resolve this and still havent been able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

he Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 

underage with XXXX XXXX XXXX RENTDEBT AUTOMATED COL The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach
Product: Credit reporting or other personal consumer reports

Federal Student Aid balances reported by Mohela is incorrect. Loan were forgiven under the Federal Government Forgiveness that was setup by XXXX XXXX XXXX XXXX. The balance should be XXXX with corrected repayment dates. This is a violation of Federal Truth In Credit Reporting Act and FTC law. I went through the process with a case worker and was approve because I was on XXXX.
Product: Mortgage

This is sadly the second complaint I've had to submit regarding my mortgage with Bank of America, which has now been paid in full. After a very long dispute process regarding the payoff, I learned that I had actually made an overpayment to my mortgage, and I was due to received a reimbursement in the amount of {$120.00}. To date, the refund has never been received. My mortgage was fully paid in XX/XX/2020, and it is now XX/XX/2020. 
I've attempted to contact the bank through their customer service phone number ; I've emailed ( and called ) a local branch manager, in addition to emailing an associate in the bank 's payoff department ; and I've also left two messages for the person with BofA who was handling my previous complaint filed with the CFPB. No one has returned my calls or emails. 
While I realize that the amount to be refunded my not be a huge sum, I would greatly appreciate some sort of response or an ETA for when I can expect to receive those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXXXXXX 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 XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX was the original debtor, received a call from some guy named XXXX XXXX from Eastpoint recovery claiming that before my case goes into court they were trying to avoid court preceedings etc ... 
He has called my family members and disclosed my debt to them. I was scared into paying a down payment to keep my account out of court. They first took XXXX then XXXX within a month time. I requested a verification of my payment plan but never received it. they then try to take more than the amount agreed on the next payment. I still have not received any written verification of the debt or this company.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 card

Since XXXX of 2015 up until XXXX of 2015 I have been disputing a Capitol One credit card appearing on my credit report. I did not receive this credit card nor did I activate it. Capitol One continuously reports me late even after nine months of phone calls.
Product: Checking or savings account

As I know it when you have a dispute with a charge on your checking account, you can dispute it with your bank and the bank will investigate and give you a Provisional Credit if they have not made a ruling within XXXX days. 
I have a dispute with a purchase made for an oil change that was not used. I tried to get a refund but was unable to do so. 
I then filed a dispute with my bank Chime Bank and waited the 10 days for my credit. 
When Chime didn't give me the credit {$49.00} I contacted their Customer service and was told that they didn't have to give me a credit because the purchase was a service and I would have to wait XXXX to XXXX days before they would credit me. I looked this up and didn't find anything saying they can do this so I'm filing a complaint
Product: Credit reporting or other personal consumer reports

After checking my credit report with XXXX, XXXX and XXXX I noticed that, LexisNexis a company I had no ideal about, has been reporting inaccurate information to the Bureaus regarding XXXX XXXX XXXX XXXX  Bankruptcy and a few other incorrect information such as the spelling of my name, address etc.. I disputed this information. On XXXX XXXX LexisNexis sent me a notification stating that the information is unverifiable or accurate. The dispute notification does no provided in detail what information was investigated. On XX/XX/2023 I opt-out the sharing of my information. XX/XX/2023 I received a update regarding reinvestigation, again LexisNexis states all information has been verified. XX/XX/2023 I disputed the inaccurate information on my Credit Report again, I also reached out to XXXX and the Federal Court regarding the Bankruptcy. The letters from the courts has been provided to LexisNexis, no response. LexisNexis has violated my privacy right and inaccurately gathered my personal information and sold to the Bureau for there own personal gain even after I Opted-out of sharing. I have contacted LexisNexis several time about this matter and was told that, XXXX XXXX has the option to decide what consumer information is permissible to sale/share without the consumer consent. The inaccurate reporting has cause a great amount of suffering for me and my family. I request this inaccurate reporting by LexisNexis be removed ASAP. Thank you
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX and XXXX still have not fixed the issues on my credit report my score was XXXX before they reported multiple inaccuracies on my report I have excellent payment history and I also have verification to prove they are not reporting accurate info this goes against Fcra guidelines and needs fixed XXXX XXXX is fraud needs deleted and removed from report XXXX XXXX payment history is on time and never missed Student loans are fraud and not mine needs deleted and removed form report ( Student loans have been on there over 7 years anyway ) have them remove it it goes against fcra guidelines XXXX is paid off account was never late once that is inaccurate Credit strong is excellent payment XXXXXXXX  is excellent payment And they did not report my account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX is not being reported which is an account I had for years ) I am a XXXX individual I do not appreciate the credit bureaus for how they have attacked me for the last year and I would appreciate if you also will help fix this situation I will be in touch with XXXX XXXX on this matter because what the credit bureaus have done is discriminatory and Im tired of being attacked
Product: Checking or savings account

Chime bank denied my claim. I did not get the email yet why they denied my claim. But I am a victim. The man who stole my money sent me a code and told me that it was to confirm my identity and that code was how much he took out my bank. He told me he wasnt going to keep the money he was going to send it right back. The real XXXX said XXXX would never take money to varify your identity. These scammers had remote access to my phone and bank account through the app i download that he told me was XXXX secure link called XXXX. I just want my money back. He stated his name XXXX XXXX, and I have audio of him acknowledging that I didnt allow him to take any money from me. Also I have a text of him the next day saying he would refund the stolen money, but he never did. I had no knowledge of this app XXXX or that it would be able to see my bank info. I do not know why XXXX would have a scam number for XXXX instead of the real number. By calling that line, now Im out XXXX I have a police report of what happened.
Product: Mortgage

I refinanced my home with Penny Mac when interest rates dropped about a year and a half ago. When my Homeowners insurance came due last year on XX/XX/XXXX they had not paid it. I went to my insurance company and paid it myself. I complained to Penny Mac and got nowhere. They assured me this problem would never happen again. This year on the same pattern they did not pay my homeowners insurance yet again. It was due XX/XX/XXXX. I spent hours on the phone with them and was hung up on repeatedly. I again went to pay my insurance myself. This company has terrible customer service. Imagine if my home had suffered a fire or something bad. 2 years in a row they have my escrow money and cant seem to pay my insurance. I then demanded they cancel my escrow account as I have more than the ability to pay my insurance and taxes when they come due. Again I can not tell you the nightmare of what it takes to get these people to actually just do their job. Zero help. Zero accountability. Then after I had paid the homeowners insurance the clowns sent me a letter stating they were going to purchase separate insurance. In the middle of all of this. Penny mac really has not a clue what they are doing.