23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke with XXXX, an Experian XXXX, regarding my FCRA XXXX Identity Theft Fraud Block request, which included all necessary supporting documentation. Despite my compliance with legal requirements, Experian improperly closed my dispute without conducting any investigation, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information. XXXX, referencing XXXX # XXXX, informed me that I must contact the creditors to verify the disputed information, effectively shifting the investigation responsibility to me. This mirrors recent allegations by the CFPB against Experian for failing to conduct proper investigations and removing or reinserting errors on credit reports, which threaten consumers ' access to credit, employment, and housing. I am providing the documentation for the fraudulent items on my credit report, including a reinstated XXXX XXXX account ( Account # XXXX ) and XXXX XXXX XXXX Account # ( XXXX ), and request that the CFPB investigate Experian 's XXXX to uphold its legal obligations. Attached are my previous dispute requests and proof of Experian 's failure to investigate, and I request that these items be blocked and removed within four days of receipt. Previous CFPB Complaint # 's XXXX and XXXX
Product: Credit card

In 2010 I acquired a Macy 's store card. A year or so later, I was informed that, because of my excellent credit, it was being automatically converted to a Macy 's American Express card. I have used it only for purchases at Macy 's and at XXXX. Today I received a notice from my credit monitoring service that I had exceeded the credit limit on my card. I checked my most recent statement and saw that the credit limit is {$2000.00} -- far above the {$340.00} balance from XXXX charges. I telephoned the customer service number on my Macy 's card statement and was told that it is a " XXXX in XXXX '' card. The {$2000.00} limit applies only to purchases at the store. Outside purchases are governed by a {$300.00} credit limit. I then phoned the XXXX customer service number and was told the same thing. I am furious and feel that this is deceptive. If there must be a discrepancy in the credit limits, that should be stated clearly on every statement. Remaining credit for Macy 's purchases : $ XXX.XXRemaining credit for other purchases : $ XXXX. 
I intend to cancel the card after paying the outstanding balance, but wanted to warn others about this practice.
Product: Credit card or prepaid card

I placed an order today ( XX/XX/20 ) and was charged too much for tax. When contacting the company about it, I was told to accept a gift card and to dispute through the bank issuing the card the order was paid through. When contacting the bank to address the dispute, I was hung up on. I was overcharged .015 % and am not interested in a promotional gift card, I am interested in correcting the rate assigned to the purchase in order to more confidently plan for any future purchase I might make. It is unacceptable to be hung up on when explaining this to the bank, who has seemed to refuse the dispute by hanging up on me.
Product: Credit card or prepaid card

I had a Victoria Secret charge card through Comenity Bank and have had a few issues with said bank. Which ended with Comenity closing my account XX/XX/20 for reason that did not seem valid or clear. I then made a complaint here through the CFPB requesting my account be reopened and the rewards and the anniversary discount of 20 % for earning XXXX  XXXX status be extended so that I could use them as I earned then through the rewards program. The company responded XX/XX/20 stating they refused to reopen my account due to " credit changes and lack of use '' which neither claim was true. I was unable to make purchases from XXXX - XXXX due to a mistake made to my account and in XXXX the company addressed the mistake and fix my account, but I did make multiple payments in XXXX so there was no lag in activity and their statement of " credit changes '' is also false or i can only assume so since on XX/XX/20 ( 5 days before the refusal response ) I was pre-approved for another Victoria Secret card through Comenity Bank which I accept just to see and was fully approved for XXXX credit which is {$50.00} more than the account that was just closed. I notified Comenity of this and also asked for my account status to be changed to XXXX XXXX like I had earned in my previous account and my rewards to be renewed and was told my questions were sent to the right department and to give it 30 days for a response and after the 30 days I was told I'd have to try and call to speak with the right person. I'm not sure why this company is targeting me but I definitely feel like I am being retaliated against because they attempted to change my minimum payment illegally and I made a complaint
Product: Credit reporting, credit repair services, 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at XXXX and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. XXXX, Equifax
Product: Mortgage

I contacted BOK in XXXX of XXXX to have the PMI removed. They told me PMI could not be removed until my balance was 20 % of the loan balance or just under {$77000.00}. I called again in XXXX and then they said that they needed to do an inspection for improvements which they'd charge me for and I was still above the threshold. I requested to speak to an escalation person. I was sent to XXXX in their escalation department. I asked again for PMI removal to XXXX, and I shared their PMI Cancellation language which is on their website. At first they insisted PMI removal was 78 % of loan value. I showed them the language which says Property Value on their own website. Then I showed the HPA language. 

Automatic cancellation BOK is required to automatically terminate PMI when the loan balance reaches 78 % of the property 's original value, and the borrower has a positive payment history over the previous two years. 
Request cancellation Customers can request to cancel PMI when the loan balance reaches 80 % of the property 's original value. The request can be made in writing and should include : A good payment history Current on payments Certification that there are no junior liens on the home I have never been late on a payment and actually pay $ XXXX more a month. And I typically pay my mortgage one month ahead. There are no liens on my home. My homes original value was $ XXXX in XXXX. Purchase price was $ XXXX. I financed $ XXXX. The value on my home now is anywhere between $ XXXX $ XXXX. Based on the policy on the BOK website, AND The Homeowners Protection Act which says : PMI will automatically terminate when the loan balance is first scheduled to reach 78 % of the original value of the mortgaged property regardless of the outstanding balance of the mortgage and the loan is current. 

I discussed this with XXXX. He said he'd look into it. I have called him three times since and no call back. They took the PMI again this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER U. This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a XXXX  past due for this account. You are reporting mistaken information on this account. This must be removed immediately. Per FCRA, reporting must be 100 %  accurate or the information must be deleted. 
SANTANDER CONSUMER U ***** Opened Date XXXX XXXX, 2016 Balance {$0.00} SANTANDER  ***** Opened Date XXXX XXXX, 2016 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Product: Checking or savings account

On XX/XX/2023 my employee had an ACH deposited into my business account in the amount of {$100000.00} due to he didn't have a bank account only prepaid and he wasn't sure he could receive that large of an amount. On XX/XX/2023 Chase Bank decided to lock my account and close it with a balance of {$16000.00} in the checking and {$20000.00} in the savings. I contacted them and they advised me that I needed to bring the employee to the branch to verify that he indeed used my account to receive his deposit. When we went to the bank he verified himself with his identification card as well as they had to call his cell phone in his name to do a secondary verification to send a code. They advised us that it would take seven days for the compliance team to look over everything and issue the remaining funds to the address on the account in a cashier 's check. I have contacted them weekly concerning the remaining funds and they always advise me that the compliance team is still investigating this matter.
Product: Payday loan, title loan, or personal loan

I was prepared for a catch advance loan of up to {$750.00} up to XXXX and {$50.00} I have had 4 previous cat  advanced loans and via 's cat advanced loans in the past and I have met all requirements for the past and I have met all requirements for the prior approval I have they have never been late or defaulted and it took end as of now II am cold member which allows my remember which allows my apr to be lower Even though I prequalified it was pretty cool for up to {$750.00} I will up to {$750.00} I was denied alone because of my equipment own because of my XXXX  credit report being frozen report being frozen upon my request which I lifted for the application lifted for the application and was still never was still never received the money that I was approved for
Product: Student loan

I began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.
Product: Credit card or prepaid card

I had gotten a credit card from Home Depot back in 2019. I have been paying all the monthly charges on time and a lot more than minimum. I paid all notices about pay this amount to avoid interest charges. I never missed a payment and I've paid off about XXXX to XXXX thousands over the last couple years and never saw where it said I had to pay off a very large amount of interest. A month ago when I was making my payment I noticed it says I need to pay XXXX plus to avoid interest. I'm thinking my balance is only XXXX plus dollars. The next month my statement says I now owe them XXXX plus dollars. A XXXX plus interest charge all at once. I called and all I heard was it must be promotional charges and said they could send me some statements, statement that never showed where or how they could justify charging this amount. Help, this is not right!
Product: Checking or savings account

In XXXX this year I went to Wells Fargo to open an account to avoid check cashing fees but was denied twice without any reason why, afterwards I received a summary for the reason of my visit that does not explain the real reason for my visit ( see enclosed ) Which is a blatant fabrication. I strenuously believe that I have been discriminated against.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$130.00}
Product: Credit reporting

XX/XX/2017 

XXXX XXXX XXXX, FL XXXX Transunion XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

90 day Late payment by cap ital one a uto finance
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries that were not me. 
They are attached to this complaint and I have placed an x beside each one that is unauthorized. I have never even heard of most of these placesz
Product: Checking or savings account

I am filing this complaint against Cash App regarding two major issues : 1. I am unable to access my remaining balance because Cash App is preventing me from linking a new card or bank account. 
2. My Cash App account has been closed, and I would like to request that it be reconsidered and reopened so I can continue using their services. 

Issue Details : 1. My previous debit card linked to Cash App is no longer active. 
2. I attempted to add a new card to withdraw my remaining balance, but the system would not allow me to do so. 
3. I contacted Cash App Support, and they informed me that I have already linked too many cards/bank accounts, so I am restricted from adding a new one.

4. However, my previously linked cards are no longer active, meaning I have no way to withdraw my remaining balance.

5. I requested Cash App Support to provide information on which card I had previously linked so I could try using it, but they refused to assist further.

6. They also stated that their decision can not be overridden, leaving me without any way to access my own funds.

7. Additionally, Cash App closed my account, and I was not given a clear reason or an opportunity to resolve any issues before the closure.
Product: Debt collection

XXXX XXXX XXXX, AMOUNT {$22000.00}. I AM A VICITM OF IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS ACCOUNT IS REPORTING NEGATIVELY ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT WORTHINESS AND HARDSHIPS TO OBTAIN CREDIT IN THE FUTURE. JPMCB CARD SERVICES ARE VIOLATING MY RIGHTS AND USC CODES AND LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax, XXXX, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX
Product: Debt collection

I called United collection bureau to pay my debt on 2 medical bills. We only have health savings card to pay medical bills with just enough to cover the debt. They wanted to charge {$14.00} free to make the payment. Would not work with me at all.
Product: Mortgage

They are charging me property taxes on property that I am exempt from due to being XXXX  in XXXX  and XXXX XXXX in defense of the United States of America. 

They charged property taxes in my closing documents despite being provided tax exemp notification and charged a year in advance in property taxes while still charging me a regular monthly rate for property taxes that I don't pay and have never paid while living in this home. 

Newrez LLC does what they want to do they do not answer their phone It's an endless circus XXXX option exchange on every entry point in the voice automated system which ultimately reroutes you back to the very beginning without a representative and without any resolution. 

I uploaded my tax exempt status documents through their company portal I have confirmation email receipt that it was uploaded through the portal and they ignored those forms for my tax exemption. 

They have delayed my escrow analysis until XXXX day after my mortgage payment would become XXXX  days late. And they are extorting me to pay the monthly property taxes in my mortgage payment despite having received the appropriate documents. 

New res is criminally extorting me for property taxes I don't pay and I've never paid and despite receiving the appropriate forms they will not even complete their analysis until XXXX day after my mortgage is officially late. 

The feds need to look into this company.