23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX at a XXXX as a XXXX present for my daughter, with a balance of {$400.00}. 
She used the card the next day online to make 2 purchases for about {$64.00}. We are waiting to see if these purchases complete. 
She has since being unable to use the card with transactions being declined by all subsequent merchants. 
I called the XXXX customer service number XXXX & spoke to a representative called XXXX on XX/XX/XXXX, & was informed that the card could not be used again until the initial XXXX transactions had cleared on XX/XX/XXXX, no explanation was given. 
I called again today to request a refund & have not been able to get through at all. 
I decided to call the CFPB to make a complaint ; it turns out that when on hold it is the same music playing at the CFPB & XXXX- this unfortunately adds to my suspicion that XXXX is not a legitimate financial organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to EQUIFAX voicing this was fraud/identity theft. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I am a victim of Identity theft. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT
Product: Student loan

I applied several years ago to remove my cosigner from my loan and was denied. I recently re-applied on XX/XX/XXXX and was denied again stating that I did not make enough money to cover the loan. I make very decent money. Showed proof of that. My cosigner is in and out of prison, he is not a good human, I would prefer to not have any form of contact with him but this gives him a reason to contact me. there is no reason I should have been denied to have my cosigner removed. 

Also, dealing with Navient has been nothing short of a nightmare. This has been an ongoing loan since XXXX. I currently owe $ XXXX more than I did when I graduated due to the ridiculous interest rates put forth by the company. That makes it nearly impossible for any person to pay these loans off. 

I was lied to by the school that I took this loan out for, they have since closed. My degree is utterly useless and I am stuck paying for an education that was a complete joke.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION XXXX XXXX XXXX XXXX ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$340.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I 've been a victim of identity theft and someone tried to obtain credit using my name There are several inquires on my credit report as of result of that and I 've tried calling and disputing these inquires with the credit bears and they are not helping despite the fact I have been a victim of identity theft. They only thing they did is they 've put a fraud alert on my credit file but not willing to remove the inquires which hurt my credit. Please helming thanks.
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris 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 XXXX5 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.
Product: Credit reporting or other personal consumer reports

I have attached a copy of my consumer credit report I don't recognize accounts collections as a result of identity theft and fraud. per acct ref identity theft XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$35000.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau XXXX XXXX XXXX XXXX Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX Code : XXXX XXXX XXXX Account XXXX XXXX XXXX Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing to inform you that I recently attempted to contact XXXX XXXX XXXX which is listed on my credit report under # XXXX at the address provided. Unfortunately, the letter I sent via USPS CMRRR was returned to me undeliverable with the reason being that the company 's forwarding address had expired, and it is not located at the address mentioned on my credit report. Please find enclosed a copy of the envelope for your review. 
As a responsible credit reporting agency, you are required under 15 U.S.C. 1681i of the ( FCRA ), and other applicable laws, to ensure that you report only accurate information. However, I have reason to believe that inaccurate information has been repeatedly reported in response to my credit report requests, as well as when lenders view my report. This violation of federal law has caused me considerable damage in terms of my reputation among lenders and the terms of loans I receive. 
To amicably resolve this matter, I request that within five days of receiving this letter, you delete the negative trade line associated with this complaint from my file, as prescribed by the FCRA. Failure to comply with this demand will leave me no choice but to seek legal assistance, including filing grievances with the Attorney General and the Federal Trade Commission. 
Please find enclosed copies of my identifying information to prove my identity. I trust that you will expedite the conclusion of this matter and provide a satisfactory resolution. 
Sincerely,
Product: Mortgage

In XX/XX/2020, I applied for a conventional home loan with Navy Federal. Loan Officer XXXX XXXX said underwriting asked for additional information. Said information was submitted and a pre approval for {$510000.00} was given. We find a home and take the additional steps per the preapproval. XXXX stops responding. After a week she finally returns our call and says that Navy Federal JUST changed stipulations like yesterday and my score was 20 points too low. For the next 45 days, I do everything in my power to raise my score from a XXXX and ended up getting with a XXXX. I reapply and was assigned a new loan officer,  XXXX XXXX. Received a second preapproval for {$510000.00} just to be given a different reason why Navy Federal couldnt move forward a second time.

The problem is, Navy Federal gives preapproval saying that youve met their criteria only to be told that the goal post is being moved over and over again. Our lease was up and we ended up signing a month to month based on the preapproval. We were also in the process of switching school districts based off of the hone we found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have filed a previous complaint with XXXX, XXXX, and Experian with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9.  The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBXXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : LA XXXX A XXXX A XXXX
Product: Credit card or prepaid card

Citi closed my BrandSource store credit card without notice or my request while still having an outstanding balance. I would like the account to be reopened so that I can continue to use the card. When I called Citi they could not explain why it was closed and i received no notice of closure by the card issuer.
Product: Debt collection

XX/XX/XXXX at XXXX XXXX I had a Voicemail message from phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they are trying to track me down about a legal matter that has been placed with their firm. They said they made previous calls and sent letters to no avail. 
Mention going to their website immediately at XXXX I called ( XXXX ) XXXX on XX/XX/XXXX at XXXXXXXX XXXX and was told that I signed a XXXX  Agreement for a credit card on XX/XX/XXXX with XXXX so the statute of Limitations does not apply. 
The person I spoke with said they did not have any documents or a contract she could send me and I don't either, especially from XXXX  years ago.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX service sent 2 people to my house to clean for 3 hours. They only cleaned the house for 2 hours. I was told by the vendor they would credit me back {$40.00}. Bank of America denies my request for assistance because it was done over the telephone and their VISA vendor does not provide receipts via email or US mail. I'm entitled to my {$40.00}. The vendor appears to know this because they have ceased corresponding with me. I've posted feedback on XXXX and XXXX XXXX XXXX but still nothing. Refund 1 hour of cleaning services not rendered in the amount of {$40.00}. My alarm and door entry records proved when they entered and left. I've told Bank of America this and the Vendor. This is why the Vendor agreed to the refund me but didn't for an unknown reason. Bank of America didn't consider those facts ... only a hardcopy receipt ... makes no sense except to rip me off.
Product: Credit reporting or other personal consumer reports

I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, XXXX XXXX Equifax ) ( XX/XX/XXXXXXXX, {$2100.00} XX/XX/XXXXXX/XX/XXXX, {$3500.00} XX/XX/XXXX ( XX/XX/XXXXXX/XX/XXXX, {$760.00} XX/XX/XXXX ( XXXXXX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/2023 XX/XX/XXXX 
{$1300.00} XX/XX/2023( XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX ( XX/XX/XXXX) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE) Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022
Product: Money transfer, virtual currency, or money service

I recently opened a account with cash app, to receive money from my son to put in my bank. It ended up paying but twice so I sent one back and it took it out twice. I ended up with a XXXX bal. I tried to get the thier customer service to help but they don't. On the XXXX of XXXX. I tried to put the balance in my bank. Thier site is very confusing I put send XXXX to my bank. Within mins it sent to someone called XXXX I request the money back with in minutes. Talked to customer service viva Chat and also on the phone. Basically they said too bad. I could call the person. No number, or email address. I don't know this person sent requests to them yesterday and today for my money back. I have XXXX for years you have to have persons name and email to send money. If it isn't a business. XXXX XXXXl with dispute the transaction with the other party. When you call cash app you get a recording. They will call back could take hours. Also the time sent on my receipt was hours before I sent it. This company takes no responsibility in anything. How can I get my money back they chose the name from my bank. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit record. This creditor has violated my under 15 USC 1681 section 602. States I have the right to privacy. 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and Consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied to XXXX for employment had to get background check with First Advantage. 
Received my consumer report in XX/XX/2017 saying my social security did not match. I went to the social security office to get proof of identification made a dispute. I thought everything was fixed but called and they now said I had a XXXX I dispute it but every now and then when I call they still say I have a XXXX so they haven't fixed it. Now they say they can't find my credit score and history I have I have checked my credit everything matches my name everything is fine so I don't understand how they can't find my information. I have been trying for months to start working and they haven't done anything to fix my disputes and whenever I call they are always so rude and don't want to help at all.