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

There were three charges on my business debit card that I called to dispute on XXXX XXXX, XXXX. The rep at the time seemed to be unaware of the procedure, and I couldnt clearly understand him. However I proceeded with answering all the questions ask concerning why I was disputing and my evidence. I was told that I would receive a letter in the mail that I would need to sign and send back in. I never received the mail as told. 

After the holidays XXXX XXXX, XXXX I called again to get the status of my dispute and was told that they did not have any dispute on record. Perplexed, I asked what I should do. I was then told that they would submit the disputes properly and I proceeded to answer the same questions and provide proof. This time the rep seemed knowledgeable and was clear and cosice. She also told me that she noted my account on the previous dispute that was not filed properly. The next morning XXXX XXXX XXXX I receive a decision letter via email, stating they did an investigation and the funds will remain on my account. 

More perplexed, I called in that same day to find out exactly what was happening. This time a rep told me that the dispute was denied because they couldnt recover the funds from the merchant due to the date I submitted the claim ( essentially I was to late ). I explained yet again that I had previously called to dispute and it was not processed properly per the reps statement. And that I was told to resubmit because of it. The rep told me there was nothing they could do to help because they were unable to recover any funds from the merchants bank. 

Now, I have a merchant that will not refund and a bank that essentially dropped the ball and decided they will not help me any further other than submitting a complaint that does not remedy what actually happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Mercedes Benz Financial, and XXXX XXXX XXXX. The Account Opened is Mercedes Benz Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 agencyshall ( 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.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Vehicle loan or lease

Wells Fargo repossessed the vehicle, we paid the loan in its entirety and was never given the title and now we are learning we may have also been charged incorrectly.
Product: Credit card

You are all scammers in this department. You live off people 's taxes! You support the fraud and deception of Bank of America! This XXXX bank they deceived me and indicated incorrect information in the credit report that I did not pay! I do not trust you in your department! You do not care about people like me, about all consumers! If you do not punish this fraudulent structure like Bank of America, for me it means that you yourselves are the same fraudsters. You can not be trusted! You just don't care and you don't care at all about ordinary people like me with my problems and complaints regarding such scumbags, outlaws, crooks and bandits from Bank of America. This financial structure deceives people and earns billions of dollars on such deceptions and fraudulent schemes, and your state structure covers it up! You work together, earn money together, these steal money, deceiving ordinary people and swindling hard-earned money from people, such a vile and disgusting structure as the Bank of America XXXX and your state department simply covers up these fraudulent actions! I don't believe you, you all fell flat on your faces! Fraudsters, thieves, crooks, cheaters, swindlers, bandits, scumbags from Bank of America! And I also don't trust your state department, your organization - because you do nothing, you support and approve of it, you support and allow it! Your state structure, you simply encourage this fraud, you pat them on the head!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

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 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

On XX/XX/2024 I had my complete credit file pulled and there were incorrect collections on my report. 
XXXX XXXXin account # XXXX XXXX XXXX account # XXXX in the amount of {$870.00} and another account from XXXX XXXX account # XXXX in the amount of {$4500.00}. I have spoken with each agency and was told it would be corrected however neither account belongs to me.I have no knowledge of these accounts and would like them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.
Product: Credit reporting or other personal consumer reports

I'm in the process of trying to purchase a home and it was brought to my attention that my credit report has been damaged by these collection accounts. This is a defamation of character and I've asked for the purchase agreement to show full ownership so that I may verify the information. According to the Reporting Act15 U.S.C. 1681 it should NOT be any damages on my report!
Product: Debt collection

I got pulled over and went to XXXX and found out someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to XXXX for two weeks because someone was using my credit I even have court documents
Product: Credit card or prepaid card

On XX/XX/XXXX I booked itinerary # XXXX ( XXXX XXXX booking ID # XXXX, e-ticket # XXXX ) through Chase Ultimate Rewards portal using XXXX ultimate reward points with a cash value of {$700.00}. This was for a round trip flight to XXXX, XXXX with dates XX/XX/XXXX-XX/XX/XXXX. 

On XX/XX/XXXX XXXX suspended flights to the USA effectively making my itinerary impossible. 

On XX/XX/XXXX, I received an email from Chase stating my original flights booked were no longer available, which reflected XXXX continued policy of not flying to the USA.  The email from Chase stated that one of my options was you may request a full refund instead of rebooking a new flight. I replied, stating I would like to accept the offered refund. Chase never responded. Chase never refunded me, nor did they cancel my itinerary. 

On XX/XX/XXXX, the day of my original flight, I received a phone call from a XXXX XXXX agent reminding me NOT to show up at the airport because there WAS NO FLIGHT departing from the USA to XXXX. She reiterated that my flight had been cancelled and that I should request a refund from Chase. 

Since then I have sent 5 additional emails to chase requesting a refund. Several were ignored completely. Other time I received a reply stating I was only being offered a travel credit. Since I rejected the travel credit and requested the refund I am entitled to UNDER LAW, Chase has not responded at all. Per DOT law I am entitled to a REFUND to my original method of payment. 

My 6 emails to Chase requesting a refund have been dated ( and are attached in the supporting pdf documentation ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a second email ) XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX CONTINUES TO NOT ACKNOWLEDGE ACCURATE INFORMATION ON THIS ACCOUNT. THEY REPEATEDLY CLAIM TO HAVE CONTACTED THE CREDITOR WHO IS REQUIRED BY LAW TO REPORT ACCURATE INFORMATION. THE INFORMATION SHOWING ON MY EQUIFAX CREDIT REPORT FAILS TO BE ACCURATE AND HAS FAILED TO DO SO FOR OVER A YEAR! 

XXXX XXXX XXXX XXXX REPORT THE DATES ACCURATELY. EQUIFAX CONTINUES TO CHANGE THEM TO WHATEVER THE DISPUTE DATE IS WHICH IS ILLEGAL & AGAINST FCRA LAWS THAT THEY ALONG WITH THE CREDITOR ARE REQUIRED TO DO! CREDITOR SEEMS TO BE ON BOARD WITH KEEPING INACCURATE! 

XXXX XXXX BLEW ME OFF SEVERAL TIMES, BUT THEY DID SEND ME THE STATEMENTS WHICH I CAN USE IN A COURT OF LAW AGAINST THEM ALONG WITH EQUIFAX FOR VIOLATING FCRA LAWS BY CONTINUING TO REPORT INACCURATE INFORMATION ON MY CREDIT DESPITE MY REPEATED ATTEMPTS TO GET THEM BOTH TO CORRECT THE DATES! 

I'VE ATTACHED MY PROOF OF THE STATEMENT SHOWING A XXXX BALANCE & THE DATE IT WAS PAID OFF! THAT NEEDS TO BE REPORTED ON MY CREDIT AS XXXX XXXX NOT XX/XX/XXXX! EQUIFAX IS INCOMPETENT & STUCK ON STUPID! XXXX XXXX  IS NO BETTER IF THEY CAN'T READ BLACK, WHITE, RED & YELLOW HIGHLIGHTS. THE WRONG DATES CONTINUE TO SHOW NOW ON MY CURRENT CREDIT I RAN ON XX/XX/XXXX. SEE ATTACHED COPY FROM THE PAGE ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about  this on XXXX. There is numerous of people they have done this too and have wronged.
Product: Mortgage

I have been paying the mortgage to the original lender for close to 20 years never had a late fee until XX/XX/2017, I immediately sent a payment with the penalty fee and they purposely refuse to Cash the check then I sent the next check it couldnt had been late and they claim it was, it seems to me they are trying to drive me into an unnecessary situation so they can profit from additional fees etc etc.

It seems to me they are trying to benefit from a sellers real estate market and drive me into foreclosure.
Product: Checking or savings account

Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX I sent in my most recent dispute to XXXX XXXX XXXX regarding Bank of America 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from XXXX XXXX XXXX on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by Bank of America , Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my XXXX XXXX Report. 

I will upload the docs on this claim. 

XXXX XXXX XXXX XXXX Bank of America must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 

FTC Claim # XXXX
Product: Student loan

In XXXX I enrolled into XXXX XXXX XXXX under the understanding that when I finished school I would have a college education that would better my life. Unbeknownst to me the program I enrolled for had not even been accredited. This was with held from me. I was also promised they ( the college ) would help with resume building and job placement. None of this ever happened. I graduated in XXXX. I took a private loan for around XXXX dollars. For two years navient inappropriately applied my payments putting me into a pay ahead status and eventually stopping automatic payments once I got so far ahead. All extra was to be applied to the principal not pay ahead and I specifically requested that when I setup for automatic payments back in XXXX XXXX. I was alsongiven the choice for when my payments would be due but when you go through my payment history you will see a late payment every month for many months. How is that possible being on auto pay? I also have filed a Borrowers Defense to Repayment with the department of education as XXXX XXXX is one of the Exhibit c schools that will recieve automatic forgiveness for class applicants. 

When I spoke with Navient XXXX weeks ago to inquire about this application I was told my account was being pushed to their review team and someone would call me back within 7 days to let me know if I qualify. I have neither received an application for a school misconduct discharge nor a phone call back as promised.
Product: Student loan

For years, I have been trying to get on track to paying my loans. I 've been trying to get a clear answer from Navient, but every time I call, instead of sending me a statement of how much interest I 've accrued or how long it 'll take me to pay down my loan, they tap on a forebarance! The last time I called, I specifically told them I do not want a forebarance ( after learning from your lawsuit that forebearance adds compounded interest, which I never knew! ), I receive an email that they put me on forbearance! I can never get a straight answer from them. I get different people telling me different things about my loan amount, but the only thing they all have in common is putting me under forebearance. 
If I send them {$600.00} a month, how do I know that I am actually paying down my loans. As a single mother, that is a lot of money for me. How do I know I 'm not just throwing my money away? If one buys a house, you receive a clear statement showing how much of your payment goes to principal and how much goes to interest. With Navient, I 've never been provided that! I 've never been provided a clear statement as to where my money is going. Occasionally, I receive emails that I have documents to view on their website. When I go to sign in, I get blocked off or their website is temporarily down. There 's never a clear way to find answers and it seems the longer I do n't pay them, the more I owe, but if I do pay them, I have no idea where the money is going! This is a complete scam and a way to use poor people who have no clue how to manage money. I have no idea who to turn to or who to ask for help. 
I feel crippled. I can not rent an apartment because my credit is terrible, let alone buy a home or car. I do n't know what to do or where to turn. Please help!
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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  Bankruptcy XXXX {$0.00} ; 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 have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports
Product: Debt collection

On XX/XX/20 and XX/XX/20 I was charged {$3800.00}. I never received or cashed any checks nor did I deposit or use this money. I had sent my bank statements and tried to previously resolve this. Additionally I put through a fraud claim with Citi card. I was also receiving charges from California and foreign charges as well. I would like this account to be taken off my credit report. And I dont mind paying whatever actual balance would be remaining. Not only did Citi bank not investigate the claims but they continued to ignore my claims and complaints and did nothing to protect my account from random charges and have know put all of their fees, fraudulent charges accrued and balance of over {$10000.00} dollars as a collection for money owed to them on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about an existing problem. In XXXX of 2021 i opened an account with XXXX XXXX  to purchase furniture from XXXX XXXX. a few days later, due to unforeseen circumstances, I canceled the order I notified XXXX XXXX  I never received any merchandise. I was given a contract from XXXX XXXX  showing it was canceled and I was provided a letter from XXXX XXXX indicating I receive no merchandise. Two years later Experian is the only credit bureau that wont remove the tradeline I have provided them with the same documents that were provided to XXXX and XXXX, but they choose to do nothing about it. I spoke to Experian representative and was told that it doesnt matter what documents I send them the verify based on what they receive from the creditor.