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

An item ( book ) was purchased. When I received it the book was damaged and defective. I returned the book and made a claim with  Chase Freedom Cr edit Card. I have endlessly tried to resolve this matter and have been unsuccessful. I have called numerous times and no help. Just recently I sent an email to Ms.  XXXX   XXXX  to see if maybe she could step in and help and again I was ignored. I have done nothing wrong and now I am being threatened and m y credit score is r eally bad. I am trying to avoid litigation. You need to change the rules for credit card companies. I feel ripped off and a victim of a bad faith.
Product: Mortgage

My mortgage was transferred to Nationstar in XXXX of 2015. My mortgage payment is due on the XXXX of every month. I am aware of a grace period that lasts until the XXXX of every month. I usually pay my mortgage on the XXXX or XXXX of each month online to prevent any late fees from being charged. When I made a payment to Nationstar on the XXXX of last month, I noticed that I was charged a XXXX transaction fee. 

I called Nationstar and was told that if they receive a payment after the XXXX of each month, they charge their customers a XXXX transaction fee. If payment is received before the XXXX, there is no additional fee. I believe this is wrong, I should not be charged any sort of fee for paying within the normal grace period. Nor should I be charged any sort of fee for paying my bill online, which is more cost effective than paying by mail or over the phone. Please look into this, I believe I am being ripped off.
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 Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 reporting or other personal consumer reports

I was a victim of the credit breach you all had. I was already a victim of identity theft in XXXX  and now I was informed that you all had a data breach again
Product: Checking or savings account

I went into Navy Federal XXXX Fl location XX/XX/22. I told the teller that I received a check for my business XXXX XXXX XXXX aka XXXX XXXX. I ask the teller is there a way they can run a check to see if its good? I was told no but if I wanted to protect myself from fraud checks, dont put it in my checking account. I was told to deposit it in my savings and leave it there 2 days, if the check is good the funds will be in the savings after 2 days. On XX/XX/22 the funds from the check was still in my account. I paid out {$1800.00} to a property where my business was supposed to do service at. Now comes Monday XX/XX/22 the bank email me that the check was fraudulent. The {$1800.00} was sent from navy Federal to the person that wrote the fraud check. Now my account is over drawn, the lady XXXX XXXX has the {$1800.00} and navy federal is telling me theres nothing they can do. I asked them, how can I protect myself??? Now my money gone and I have to pay back the XXXX and the bank have all of the information where the money went but telling me theres nothing they can help me with. Im out of {$1800.00} and sum more. I was treated very unprofessional and unfairly. I have a lot of money in that bank. They are supposed to the experts, I asked and I still was failed
Product: Checking or savings account

Today I received at XXXX XXXX  an email from Bank of America that says that my business account changed status and I had no longer access to it and receive payments and no longer receive it. So I called them and a really rude agent told me that they don't want to have more relation with my business due a Deposit under non Clear conditions. I explained her that on XX/XX/XXXX I received a deposit that I wasnt expect it for {$5500.00} and I reported inmediately to the bank as Scam. Also I asked to Bank of America to refund this money to the original crditor. Actually I asked them if this would cause me any problem and told me that no, because I made a report and I never used that money and I asked for a refund. 

Also I asked to the Bank of America today what would happen with my money ( I am a caterer service ) and I had {$200.00} in my balance which I am needing because I have to buy ingredients for a service that I have to do on this weekend and she told me that I have to wait between XXXX days to have my business close and they if proceed reimbur my money through check. 

The account business is XXXX XXXX XXXX, XXXX. And I must say that Bank of America never sent me a letter or let me know that this would happen.
Product: Mortgage

I bought my condo in XXXX and since then I have refinanced multiple times. During all my refinances I have never been required to purchase XXXX insurance. In XX/XX/XXXX, when a loan broker approached me for a refinance I informed them that I do not have XXXX insurance nor would I be purchasing it. They didn't seem to mind and indicated that they would go through the underwriting process and shop my loan. My loan closed in XX/XX/XXXX and since then the Mortgage Company has been harassing me to purchase XXXX insurance. I told them that from the beginning I told the broker I did not have such insurance nor would I purchase it. In XX/XX/XXXX, the Mortgage Company force placed the insurance and is now trying to collect payment from me. This is unbelievable since I let all parties involved from the beginning that I would not be purchasing it. I need this harassment to stop and to cancel the forceplaced insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian and XXXX to remove the erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are XXXXequired to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it againXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXXXXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with discover bank removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that XXXX am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, discover bank, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, XXXX XXXX  and U S DEPT OF EDXXXXXXXX yet they are not removing this fraudulent account. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX have refused to do this . The followings are the fraudulent accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX Date opened XX/XX/XXXX, U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$780.00} U S DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$460.00} that were opened at an address which I have never lived at and it has nothing to do with me.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are remarks/comments linked to this account is inaccurate, and I believe it is in my best interest to have them expunged. I have reviewed the details associated with this account, and I kindly request that any remarks/comments be removed from the account. I am committed to maintaining accurate and up-to-date credit information, and I believe that the presence of these remarks/comments may not accurately reflect the current status of the account. Therefore, I respectfully ask for their removal to ensure the accuracy and fairness of my credit profile. I am writing to formally request the removal of remarks/comments associated with the following account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022. I kindly request that you initiate the necessary investigation to assess the validity and relevance of these remarks/comments. If it is determined that their presence is unwarranted or misleading, I request that they be promptly removed from my account. I understand that the Consumer Financial Protection Bureau ( CFPB ) encourages credit reporting agencies to ensure the accuracy of consumer credit reports, and I trust that your bureau will take the appropriate steps to address this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate. 

Why do I need to have them update when the bureaus should do the investigating? 

Next, I have called the companies and have sent letter already attempting to verify the information. 

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Product: Debt collection

I am writing to formally dispute Transworld Systems Inc 's claim that I owe a balance due. The assigned File # in your letter is XXXX, and the unique registration code is XXXX. 

I am disputing these debts because : -While the invoices list myself and my address as the sender and sender address, I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape or form. 

-Since I received the first invoice I have repeatedly contacted various departments within XXXX indicating that I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape, or form. I have demanded that they be removed from my record, and some fraud cases have been opened. 

-I believe that there has been a scamming attempt on my XXXX  account in another country, and I have closed that XXXX account as of XX/XX/2020. No further new invoices from XXXX  are sent to me ever since. I have lodged a complaint to XXXX XXXX and XXXX Customer Relations Department. 

-I have examined my credit report and confirmed that this balance due does not exist under my name. 

-I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information. 

Considering the above information, I have ample reasons to believe that my balance due from XXXX is due to an identity theft situation in which I am the victim. Hence, I formally dispute the validity of this balance due recorded at your agency. I will launch formal complaints at XXXX XXXX XXXX ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis blocks any access to their site from outside the USA, which is understandable given that credit reporting is a USA thing. But, they make it a hurdle for people who are working overseas, such as myself working for the Department of Defense overseas, or people deployed in a military status to monitor their credit or pull credit reports. No one should have to purchase an external VPN to have to access their credit report. XXXX nor XXXX have such a block.
Product: Debt collection

On XX/XX/2019, AFNI filed a claim with the credit reporting agencies for a debt of XXXX $ associated with an XXXX XXXX XXXX account. This debt is invalid. I have sent them a letter via certified mail requesting proof of the debt.
Product: Credit reporting or other personal consumer reports

My information was compromised due to the XXXX data breach please see attachments
Product: Credit reporting or other personal consumer reports

[ SANTANDER CONSUMER USA ; Account Number :. ] YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX XXXX  Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting I had a XXXX card. Please have them verify this information with a XXXX card. I have never had a XXXX  card in my name. The account is showing up only on my Transunion credit report only. The amount shown is XXXX account XXXX. I have never had an account in my name with a XXXX card. Please have Transunion personally verify my information showing the I had and I am responsible for the debt of the credit card.
Product: Credit card

I am filing this complaint against HSBC Bank USA regarding the blockage of my credit card ending in XXXX. Below is a detailed account of what happened : On XX/XX/year>, I noticed that my HSBC credit card ending in XXXX was displaying the message " Service unavailable '' on the HSBC mobile app, and I can not make any payment using the credit card anymore. This issue has persisted until XX/XX/year>, when I contacted HSBC customer support through their live chat service. 

The agent confirmed that the security team had temporarily blocked my card and stated that it was under review. However, the agent can not provide the reason for the block, and could not estimate how long the review process would take. 

The agent helpfully assured that the card would be usable again shortly, but no updates or solutions have been provided since the chat interaction. The inability to use my card has caused significant inconvenience and has disrupted my financial activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts were paid in full and promised to be removed from credit report. 

XXXX, transunion, XXXX still report and side with creditors, been 3 years since balance has been paid but still shows collections
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.