23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Certified bureau of the ( that is all that is showing for there name, on my credit report ) I have no idea who they are and I have never received credit, goods or services from this company. One day, I started received calls from this company, they were threatened to sue me and destroy my credit, if I did not pay them {$120.00}, The calls came back to back day and night, I finally gave in just to get some peace. But, I was under the belief, that if I paid them, the account would be cleared from my credit. They completely lied to me and extorted monies from me. 
The original account was from XXXX XXXX XXXX XXXX, I had XXXX when I went to the hospital and I guess this is some type of co pay. But, I never received a call or any mail for XXXX XXXX, stating I had a balance or requesting a payment. I was never given a chance to pay any outstanding balance, if any was due. 

IC SYSTEM has the same approach, they call night and day, threatening to sue and ruin my credit. They called and spoke to my friend, who answered the phone and told him, my personal business and what they were going to do to me. The original account was a XXXX XXXX account for {$67.00}. I don't have account with XXXX XXXX, nor do I owe them and monies and have never received a call form XXXX XXXX or any written notices or bills, stating I owe them monies or requesting monies. This is not my bill and has been placed on my credit report. I do not live in XXXX XXXX, I live in another city, in Louisiana
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have been trying to correct errors on my credit report with TransUnion, XXXX XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. TransUnion, XXXX, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.
Product: Credit card

I applied for the capital one quicksilver card which had a {$200.00} bonus after spending {$500.00} in the first 3 months. 
I spent XXXX XXXX dollars in the first month alone, and then waited to receive the bonus but it never came. 
I reached out to Capital One on multiple occasions asking them why it had not been added to the account. The people I spoke with said that " you do not qualify for the bonus '' and that " sometimes people are offered alternative credit cards with different terms if they don't qualify for the card they apply for, and those cards may not have had the bonus. '' I looked up what they are talking about and there are two reasons this isn't true : 1. I have seen screenshots of people who are offered alternative cards. This offer page was never given to me. I applied and then was approved for the card with the {$200.00} bonus directly and no other offers were given. 
2. The card I applied for is the one I received -- the quicksilver card. It is not an alternative card. 
Capital one, even after escalating the issue, has said that " this isn't the offer you applied for '' which just isn't true. I know with 100 % certainty that I applied for the quicksilver with the {$200.00} bonus -- that bonus was the reason I applied! -- so this feels like either a mistake on their end that they need to correct or extremely misleading/dishonest business practices. 
It would appear that there are at least some other people already complaining about this or something similar and may be filing a class action suit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Hi I filed a claim with chime bank my claim number is XXXX they denied my claim within a day so I reopened my claim and I still do not see any money back Into my account when ever I call or chat with chime bank they just keep telling me we are working hard to resolve this and they said i will not be getting the money untill XXXX i can not wait that long i did not authorize these charges please help me get my money back asap
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Endorse Deletion! 
XXXX XXXX Restrict Access XXXX XXXX XXXX XXXX XXXX DC, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Removal of Unauthorized Soft Inquiries and Self Reporting Accounts Dear Experian, I need to get this stuff off my report it Is harming my credit. The laws regarding the deletion of inquiries on my credit report are primarily governed by the Fair Credit Reporting Act ( FCRA ). Here are some key points : XXXX. Disputing Inaccurate Information : Under the FCRA, if I find inaccurate or unverifiable information on my credit report, I have the right as the Consumer to dispute it. The credit reporting agencies ( Experian, XXXX, and XXXX ) are required to investigate your dispute.If the information can not be verified, it must be removed1.

2. Unauthorized Inquiries : If a company pulls your credit report without your consent, you can dispute these inquiries.The credit bureaus must remove any unauthorized inquiries from your report2. 


If you can not provide verification for these inquiries, I request that they be removed from my credit report immediately. Please send me a confirmation once the inquiries have been removed. 


XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIANXXXX Inquired on XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Self-reported accounts Account nameINSURANCE SELFREPORTED Original creditorXXXX Account nameINSURANCE SELFREPORTED Original creditorXXXX Account nameXXXX XXXX Original creditorXXXX  Account nameXXXX XXXX Original creditorXXXX Account nameXXXX XXXXXXXX Original creditorXXXX Account nameXXXX XXXX  Original creditorXXXX Date of birth XXXX Best Regards! 
By : XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information regarding my account status listed as " 120+ Days Late. '' Firstly, I would like to emphasize that the account is marked as " Paid, '' and I have fulfilled my financial obligations in a timely manner. The classification of this account as late is inaccurate and misleading. Additionally, the remarks stating " Dispute resolved reported by grantor '' and " Account closed by credit grantor '' further confirm that any issues related to this account have been addressed and resolved. Therefore, the late payment status should not reflect on my account history, as it contradicts the current standing of my account. I request that you investigate this matter thoroughly and update my records to accurately reflect my payment history. Thank you for your attention to this issue, and I look forward to your prompt response. Sincerely,
Product: Student loan

I am trying to get any documents or statements about my loan that I can submit to my employer. 

I am unable to login to their website and unable to reset my password. The Mohela website says that I do not have an account with them, but they are my loan holders. I have tried contacting customer service but have had no response and phone wait times are extreme and I have been unable to get in touch with any agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to HomePoint Mortgage. HPT sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX XXXX  and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX  back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX  is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Product: Checking or savings account

I went to the atm at Capital One at XXXX XXXX  I made a deposit for XXXX and then one for XXXX. The atm did not have a receipt mechanism in place and it said it will retain my cash if I didnt take it out, it never gave it back. That was my rent money. I went into branch, they said they can not do anything due to atm being a third party and to file a dispute with customer service. I filed a dispute and they told me up to 10 business days for my money to be returned! Please help me.
Product: Credit reporting or other personal consumer reports

The loans was taken off I had a XXXX XXXXXXXX The loans was over 20 years. 
US education has taken the loans off but the loans is still showing in my score making my score like XXXX, I can't buy anything on my loans scoree my score is horrible I need this to loans taken off I'm immediately
Product: Debt collection

Credit bureau services contacted a provider   XXXX   XXXX   in reference to an alleged debt concerning me.   XXXX   XXXX   in turn released my alleged medical treatment provided by him. He did so without my consent. By   XXXX   XXXX   giving Credit Bureau Services my information that is an direct violation o f HIPPA  rights.   When speaking to the representative from Credit Bureau Services she stated she was in possession of my record and proceeded to mail an copy by regular mail where anybody could have came in contact with the information.   I am attaching copies of records sent to me from Credit Bureau Services
Product: Debt collection

I was sued for a credit card that was almost past the statute of limitations and had been sold to collections, and I have been paying for the judgment for 2 years now and am not even halfway finished. They are not willing to settle the account, even though I have paid monthly and have not missed any payments. The debt is now almost XXXX years old, and I am willing to settle it for half the current balance, which is far more than the collection agency paid. I can not purchase a home until this is paid, and it has been on my back for a decade. I am an immigrant and did not fully understand the credit card or the collection process, and now it is keeping me from buying a home ten years later.
Product: Payday loan, title loan, or personal loan

I had took out a loan with XXXX XXXX. I had payed off the loan amount. This company will not send my my final payoff letter or documentation. I was this resolved and also do not understand how they can do this.
Product: Checking or savings account

I am a victim of identity theft, and I have filed an Identity Theft Report with the Federal Trade Commission. I demand that the aforementioned fraudulent items be removed from my ChexSystems report and that all collection activity cease and be blocked within four days.
Product: Credit reporting or other personal consumer reports

XXXX  Installments Account # XXXX Installment Account : Reported inaccurately of missed payments has been reported invalid on my consumer report numerous times and multiple times inaccurate. My account has been paid up to date. 

XXXX XXXX XXXX Account : XXXX for amount {$3100.00} have been paid in full this account has been sold to various collectors after collectors this is illegal to harass and sabotaged my consumer report for inaccurate invalid account that has been cleared. Transunion has refused to clear this account off of my consumer report. 

XXXX account # XXXX I don't own this account and have notified the debtor as well Transunion I don't own this account has been an violation of inaccurate data on my report. 
XXXX XXXX is an violation invalid and inaccurate account placed as charge off is violation of invalid. 
XXXX personal Loan charge off # XXXX has been a violation of invalid inaccurate report on my consumer report. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and I OPT-OUT of E-OSCAR validation of accuracy. This inaccurate charge off violates Section 605 ( a ) ( 4 ), Section 605 ( c ), and 15 U.S. Code 1681s2. I will pursue legal action for each violation of inaccuracy.

The consumer reporting bureau has repeat violated my rights without accurate data and must be corrected which will place a law suit per violation XXXX.
Product: Checking or savings account

Good morning, My name is XXXX XXXX, Im XXXX XXXX XXXX and a American citizen, retired living in XXXX for the las XXXX years. I have a problem with the Chase Bank which I have checking ( ATM Card ) for over XXXX  years. 
I had an ATM card which I use with withdraw funds from my account which my XXXX XXXX benefits are deposited monthly. In XXXX of this year my ATM card expired and I contacted the Chase Bank for a replacement, due to their outdated policies in dealing with clients that live outside of the XXXX XXXX took over 3 months to get a replacement ATM card which after the first one got lost in the mail the replacement was sent to XXXX by UPS after pleading with them extensively. 
Of course, the PIN for the new card is sent separately by regular mail which it never made it to me, after contacting them that the PIN was not received, they send a new one. At this point the PIN according to them it has been sent about 3 or 4 times even though my mailing address is correct. I have pleaded with them to please send me the PIN by UPS and I would be happy to pay to the shipping cost they informed me that they can not do that which I dont understand since they sent the ATM by UPS why not the PIN? 
To make matters worse they have blocked my password in order to access my account in the banks Web portal. I have tried to call Customer service on various occasions to help me clarify my problems but since I dont remember which ID I used to open the account they rudely hang up on me not caring the Im calling from another XXXX.

As I mentioned earlier, Im a XXXXXXXX citizen that is alone and rely on my XXXX XXXX benefits for my living expenses which I havent had access since XXXX. It would be a financial and health hardship for me to travel to the XXXX to personally fix this problem that can be done by phone or email. 
Your agency is my last hope in finding a solution to my problems since the Chase bank is very callous and it does care on how they treat senior citizens that bank with them.
Product: Credit reporting or other personal consumer reports

Midland has purchased an old debt from XXXX {$100.00} dollar debt approximately XXXX to XXXX years ago. They are still putting it on my credit report to this very day even after paying the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a current balance due of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The full balance was paid by the dealer XXXX XXXX XXXX XXXX XXXX and therefore there is no outstanding balance to report. Please see items highlighted in yellow on the pages attached clearly stating this was paid by dealer. XXXX  is reporting correctly. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times in writing and over the phone regarding an update to my social security number being outdated on my report as I have been issued a new number by the social security administration. Experian refuses to update the social on my report and states the creditors must update them with the social on the accounts they previously reported. I've contacted the creditors and they state that since the accounts are all closed, they are unable to make the change and Experian should be the one to update the credit file with my new social security number if I supply a copy of my social security card. I called experian again and explained the response from the creditors. they still refuse to update the social on my file
Product: Checking or savings account

I had a Bank of America checking account. The Bank started charging me fees and then overdrew and closed my account. I called and thought that everything had been corrected and then I received another notice that it was being closed upon my request. I do n't know where my balance went as it also disappeared when my account no longer showed in on-line banking. I submitted a complaint to Bank of America about a week ago and never heard anything other than a request to complete a customer survey about my experience. I want my account reinstated as I was under the impression as a Preferred Rewards Platinum member I was not to be assessed the types of fees I incurred. I would like my funds back to please.
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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, credit repair services, or other personal consumer reports

Experian reporting accounts I know nothing about, goods I never received. Affirm for {$680.00} and {$1500.00}
Product: Consumer Loan

I filed bankruptcy and everything was discharged except my mortgage and car loan. The car loan was with 5th Third Bank and an investigator is calling my duaghters and my place of work! His name is XXXX XXXX at XXXX. I have asked him to not contact me any further.
Product: Credit reporting or other personal consumer reports

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX