23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of my home on XX/XX/XXXX. I had given my apartment lease a 60 day notice in wroting on XX/XX/XXXX and paid a {$2500.00} cancelation fee since I had to break my lease early. I had continued to pay my rent and utilities as well as my pet deposit for XXXX, XXXX, and XXXX. I was told there would be a walk through inspection with me 30 days prior to me vacating in an attempt to correct any issues so I wouldn't be charged. That walk through never occurred. I received an email on XX/XX/XXXX saying that I owed an a surf amount of over {$2300.00} dollars. I immediately called and emailed to have someone explain the letter but to no avail, it was never done. On the letter it stated I had 21 days to pay the amount and I could do so through the portal I paid my rent through. That portal was not available to me anymore. I emailed and called multiple times from XXXX until I reached out to an attorney on XXXX. They sent my account to collections on XXXX XXXX I received a phone call and letter from collection agency on XX/XX/XXXX. Which I disputed. I did not hear or receive any more notifications or calls from either the apartment or the collection agency. I then received a call on XX/XX/XXXX from the collection agency once again stating they were trying to collect a debt. I told them I had already disputed this in XXXX and that I did not owe that debt. They thought someone had sent out some new letter stating that dispute was resolved. I never received any notifications. The apartment complex did not have a corporate phone number but they did have an email that I also wrote too but never received a response from.either. 
All I was sent was a piece of paper that had charges on it that were not correct and it didn't itemize what was being charged and why in detail. The collection agency failed to respond within 45 days of my dispute as well.
Product: Credit reporting, credit repair services, 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$570.00}
Product: Checking or savings account

On XXXX, a payroll direct deposit was sent from XXXX XXXX XXXX payroll to my account for {$530.00} with an advice date of XXXX. I have confirmed correct account information with the sender. These funds have not been made available to me yet. I have received 2 direct deposits after the missing deposit, unrelated to the missing funds.
Product: Mortgage

Specialized Loan Servicing online system is not user-friendly due to the security system. It requires a two-step verification system and makes it extremely difficult to log into the account to make a payment. It becomes a loop, requires you to check your email for the code, the code does not come, then requires you to change your password, then it gives you the recovering code, you use the recovery code, then it logs you out and you go through this loop several times. Since it requires an hour of being on the computer and then ending up making a phone call to unlock the login it has resulted in late payments. It is unjust that due to their system, it is difficult to make payments and then the consumer is assessed a late fee. I am computer savvy and I struggle. I am requesting an investigation. I am concerned about the elderly or people who are not used to using computers and how they may struggle more with this system. Are they purposely making it difficult to make money on the late fees?? Please note this is not an isolated incident, it occurs every month. I have notified Specialized Loan Servicing last month of my concern and again this month.
Product: Credit card or prepaid card

Upon opening my Chase Mobile banking app. Just below my banking account balances. There is a section that explicitly states " you are already approved! '' And then lists multiple options to me. 
A finance auto loan for XXXX A Chase Sapphire Preferred card with a XXXX limit. 
I opted to apply for the Chase Sapphire preferred card and only applied due to the heading stating " you are already approved '' once I applied I was denied the card and the financial service placed a hard inquiry on my credit report. 
I would not have applied for this card had it not said " you are already approved '' explicitly above. This is unfair and deceptive and has hurt me as a consumer negatively impacting my credit score. I have provided a screenshot of the application. Once I was denied the credit card they removed it from this section but the option is still there for the auto loan. Stating " you're already approved ''
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report, this is my second time requesting deletions of incorrect and illegal items on my report without success. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. XXXX XXXX ( open date : XX/XX/XXXX ) XXXX  XXXX XXXX ( open XXXX ) XXXX XXXX  XXXX ( open date : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( open date : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( open date : XX/XX/XXXX ) i want these illegal accounts removed in 24hours
Product: Credit reporting or other personal consumer reports

XXXX. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$120.00} XXXX. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$220.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$130.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please consider this as my refilling complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Student loan

We have had a family student loan for my daughter for 17 years now and owe more than the original loan amount. We keep having to pay interest while in foreberance. We are on a strict budget in our XXXX 's. I work but my wife can not. She has n't worked for many years. I would like to see if we can get some interest taken off the loan and put towards the principle loan amount. Please help.
Product: Checking or savings account

I found an old check send it to me from Citibank dated XX/XX/2013, there is not phone number on the check only an address and I have tried to get the phone number of this bank without success. I need to get this check to reissue and send it to my address.
Product: Vehicle loan or lease

I have sent the company a request to settle the loan with endorsement of coupon acceptance for value in accordance with the bill of exchange Act and have given them the opportunity to do business in good faith. They have not responded in good faith and have no intention whatsoever of making any kind of payment. They have made a statement of intent to collect after acknowledgment of receipt of my payment in full and in accordance with Ucc 5.1, bill of exchange act and 15 U.S. Code 1602 - Definitions and rules of construction, 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I have informed the company that they are in fact in violation of the law and I was told that they have found no evidence of violation. Furthermore I am currently in good standing with the company and have sent to the company for title but to avail I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 random 30 day late payments from Kohls but i never received a bill. Not sure if they sent it to the wrong address and auto payment isn't an option. They only call me after the payment is missed and then I pay right away but 2 times they put late payments on my credit. It should not be on there because it was not my fault since i didn't know that it was due. Can you please help me get it removed? I have tried disputing it with the bureaus but not had success. Thanks
Product: Checking or savings account

This complaint was originally submitted to FDIC as Case # XXXX. XXXX ( XXXX ) explained the complaint was not listed in the CFPB database because it was forwarded to CFPB. 

I'm re-submitting my complaint because some of the information was re-arranged and cut-out when it was forwarded by FDIC. I also want to ensure this complaint is listed in the CFPB database. 

I want to report potential fraudulent activity by Commerce Bank in connection with a promotional offer to receive {$300.00} for opening a CommerceRelationship Checking Account. I discovered the offer after viewing an online advertisement. The URL for the offer was XXXX XXXX XXXX XXXX XXXX XXXX .... This page was likely removed because a search indicates " Page not found ''.

One case of potential fraud involves an invalid promotion code issued by a Commerce Bank representative. After viewing the advertisement, I contacted a Commerce Bank representative at XXXX and requested the promo code mentioned in the advertisement. The representative gave me the code, XXXX. I read the code back to the representative for confirmation. 

I entered my personal information in an online application. Next, I received a signature card with account number XXXX. I visited a local branch at XXXX and XXXX in XXXX XXXX to fund the account. After I provided the code to a branch representative, he informed me the code was not valid. 

I'm concerned the representative knowingly provided an invalid code. The representative may have been motivated by an incentive similar to the XXXX XXXX scandal. I'm also concerned the code was given to me in order for Commerce Bank to collect my personal information for their use. 

Another case of potential fraud may involve Commerce Bank efforts to target consumers who are unable to maintain minimum balance requirements to avoid a $ XXXX monthly fees. I suggest bank regulators investigate the target audience for this promotion and determine if they are likely candidates for being assessed fees. 

Commerce Bank responded to my complaint, however I believe their response is inaccurate and misleading. In their response, they noted the account was closed, however I continue receiving email correspondence from Commerce Bank to provide information and to fund the account. 

Since the complaint information forwarded by FDIC appears to be dis-organized, CFPB may want to re-open this inquiry open and re-submit the correct information to Commerce Bank. 

Attachments include : 1 ) Image of the online advertisement. 2 ) Commerce Bank Contact information. 3 ) PC Browsing history. 4 ) Email Correspondence from Commerce Bank.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to inform you that I have previously reported these fraudulent activities multiple times. I request that the three credit bureaus remove these fraudulent items from my credit report. Legally, you are required to remove any items that were opened without my authorization. Please review and remove the following items : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX XXXX {$250.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$240.00}
Product: Student loan

On XX/XX/XXXX, i received a letter from Greatlakes student loan servicing company that my loan is due for payment. I never took any student loan and i have been out of college since XXXX. I know my son had told me in XXXX he want to go to college and since he was a minor the application need to be sign by an adult. He never mentioned student loan. I had asked the young lady who had called my on the phone that i need to reach him and find out. He is was lured by this private college in New York with promises of free scholarship which never happen. He was stress out with the school registering him for classes he never have any interest in and he was frustrated and dropped out. We have searched for him in the last 3 years and no information about him. Whether he alive or dead we don't know. My problem is how is it that a kid who never finished a semester his father is told he owe {$40000.00} and i never signed a student loan. I will never sign for anyone not even myself to go to a private school in XXXX New York? The most expensive place in the world. I worked as a XXXX XXXX for the XXXX XXXX XXXX I am recovery from a XXXX XXXX XXXX. The New School deceived and fraudulently induced my son into all this issues. It's bad enough i have lost my only child and been asked to pay money i never sign for is injustice of the highest order. Please help me, i can not afford an attorney with my small salaries that i spend more than 25 % on medicine to stay alive.
Product: Credit reporting

My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for it. Transuion even has it listed as a terminated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from XXXX or Experian. also the dates do not match up. I would like this removed from both these companies. thank you
Product: Credit card

XXXX XXXX acct ending XXXX was transferred to Servicing Solutions XX/XX/XXXX. My balance was paid in full XX/XX/XXXX while still serviced by XXXX. I recieved a statement from Servicing Solutions which accurately reflected the above. Servicing Solutions assessed me {$95.00} interest on a XXXX balance. I called and spoke with both XXXX and XXXX between XXXX and XXXX XXXX  XX/XX/XXXX. They send me an email showing the assessment of interest having been VOIDED. So far so good. I waited for a promised call from XXXX ( XXXX ) confirming the closure of the account. I did NOT receive the promised call. Friday XXXX XXXX a message was left on my phone asking me to call back. I called Saturday XX/XX/XXXX at XXXX. I spoke with XXXX. She promised to forward my information to the department that would handle the matter. Today I received a call from XXXX, who informed me the balance still showed due and the account was still open. XXXX 's supervisor, XXXX, interrupted the call after having listened in. XXXX informed me that they were unable to email me a confirmation of waiving the illegally assessed interest and account closure. " We don't do it that way ''. I do not want to spend more time on this and DO NOT trust anyone I talk to at Servicing Solutions. Please help.
Product: Checking or savings account

I have been struggling with my financial institution since I opened my account. I have been through several Debit cards that I have reported stolen or lost per the latest telephone conversation I had with finally a knowledgeable account representative who had answers to every question. He is the one who noticed and brought to my attention that I had Five ( 5 ) open and working debit cards that were reported lost or stolen. I am on XXXX I get XXXX deposit a month that pays my rent I dont get assistance I pay my full rent and all my utilities my food. I have nothing left at the end of every month. ALSO AT THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX a bank rep called me a liar to my face because I was disputing charges that were not mine. This bank PNC has caused me more XXXX XXXX issues ( XXXX XXXX XXXX  their actions towards me are completely unexceptionable. After being treated so poorly like I had no credibility at all I just find out they never closed the cards I reported missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

XXXX XXXX XXXX failed and neglected to obtain original documentation to accurately report this claim. 

XXXX including Equifax is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

XXXX XXXX XXXX has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX XXXX delete account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.