23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple certified debt validation letters to this company CAPITAL ONE and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

I've attached the most recent certified letter that was sent to this debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX XXXX  XXXX Balance : {$530.00}.
Product: Student loan

XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted Experian five ( 5 ) times to correct an inaccuracy that is reporting on my PAID subscription for credit monitoring with Experian. I opened several tickets with them and the last ticket number being XXXX. I am including the proof attached. You will see that Experian is reporting that I was recently late on a payment and showing that this late payment was made eleven ( 11 ) months ago and that is incorrect. There are only two accounts in my report that were ever late and it was more than five ( 5 ) years ago. In fact the account that Experian is referring to was charged off more than six ( 6 ) years ago and and slated to be removed under the Statue of Limitations on XX/XX/2020. This inaccurate reporting showing I was late eleven ( 11 ) months ago is inaccurate and is damaging my credit score. This is causing me not to obtain a home loan and this is illegal according to the FCRA. Inaccurate information is mandatory to be corrected. I am including and highlighting where in fact that Experian has refused to correct this inaccuracy. I demand under the FCRA that this be corrected. I have attached a 3 page Summary and  on the last page of the attached shows 11 Months ago a late payment was made. I have also included my full credit report that show only two accounts ever late and both are more than 5 years old.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Chase Bank for unjust retaliatory actions! 

Despite having the exact repayment amount linked to my repayment bank, Chase intentionally set up unsuccessful repayments, resulting in charges of over {$5.00} in interest fees. 

Today, I made multiple attempts to contact them, with wait times exceeding XXXX minutes each time. Whats even more outrageous is during the third attempt, they answered the call at XXXX XXXX, quickly claimed XXXX times that they couldnt hear my voice, and promptly hung up. 

I am filing this complaint against Chase for their disgraceful retaliatory behavior and simultaneously requesting an immediate refund of the interest fees! 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion had received my first CFPB complaint # XXXX. On XX/XX/XXXX my records, via Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX indicate that Transunion received all the necessary information by law, on my claim of Identity theft and request to block the information. Pursuant to 15 U.S.C. 1681c-2 Transunion has 5 business days to take some sort of action. TransUnion has not responded to my recent request on XX/XX/XXXX nor to the CFPB complaint on XX/XX/XXXX. They are past the 15 days to respond to the CFBP and past the 5 days to respond to my mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts ( list the accounts ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX and XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year> and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inaqiues repeatedly all in one year I have over 40
Product: Debt collection

THIS DEBT THAT ENHANCED RECOVERY COLLECTIONS CLAIM I OWE TO XXXX IS THE VERY SAME CELL PHONE ACCOUNT THAT ORIGINALLY WAS OWNED BY XXXX XXXX XXXX I HAD THIS SERVICE FOR 1 WEEK AND WAS DISSATIFIED AND CANCELLED THE SERVICE, I THEN SENT BACK BOTH HANDSETS VIA XXXX  IN XXXX. I NEVER RECEIVED ANY OTHER FORMS OF COMMUNICATION FROM THEM, THEN IN XXXX I RECEIVED A COLLECTION LETTER FROM XXXX XXXX, I FOLLOWED PROTOCOL AND SENT THEM MY XXXX  RECEIPTS FOR THE HANDSETS AND THIS COLLECTION WAS DISPUTED BY MYSELF WITH XXXX XXXX FOR {$950.00}. XXXX STATED THIS COLLECTION WAS DONE AND WAS REMOVED. NOW THAT XXXX WAS ACQUIRED BY XXXXTHIS IS THE SAME SITUATION, IVE SENT BACK THOSE HANDSETS IN XXXX, ATTACHED ARE MY RECEIPTS. PLEASE REMOVE COLLECTIONS FROM XXXX, XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX EXPERIAN XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Sincerely,
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX
Product: Checking or savings account

I had opened a new chase account using a promo for a {$300.00} new account bonus. It stated I needed direct deposits totaling {$500.00} or more made to this account within 90 days of coupon enrollment. Within the first month I had deposits over {$700.00} and again the second month. I have not received the bonus after having the account for well over 90 days. Customer service stated that a singular deposit needed to be over the amount. However, the language states " deposits '' totaling {$500.00}. Any other checking bonus I have encountered in the past has been deposits reaching a dollar limit and not singular higher than an amount.
Product: Money transfer, virtual currency, or money service

Some dates I do not have due to the Cash app app kicking me out of different profiles but I can say it was definitely left on my accounts that I no longer had access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion several times to advise of multiple inaccuracies on my credit report. 
1. One of my accounts is showing a balance of XXXX and it should be XXXX. My credit card was stolen and the bank states that they updated the information with Transunion monthly and it hasn't been updated since XX/XX/2018. 
2. I sent in a request for validation of XXXX XXXX XXXX XXXX and never received a response that this debt was mine.
Product: Mortgage

This is a complaint agains t Ocwen Loan Servicing ; I am sure y ou get many. On the  XXXX  of  XXXX , they sent me an  XXXX  page letter regarding my escrow account. The fine print in the letter stated that they were going to increase my monthly mortgage payment by {$42.00} to cover an increase in taxes which Makes sense since my taxes have increased. My complaint concerns a statement at the bottom of each page which states : " This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. '' Enclosed in the package was a coupon for me to mail in {$1000.00} to cover the escrow difficiency. I immediately sent in the money and now realize I really owed nothing as the escrow account was cash positive and would be within Federal law ( RESPA ) with the increased mortgage payment of {$42.00}. In short, they solicited {$1000.00} from me at the same time they were notifying me of a mortgage increase.
Product: Checking or savings account

I tried to open a bank account at US Bank in XXXXXXXX WI. I worked with a XXXX XXXX and XXXX ( female ). They asked me for my SSN and mothers maiden name. They acted like they could not set up my profile. I gave them my email address too and my physical address. They told me they could not open an account. They did not provide me any paper documentation showing they were declining opening an account. They said it was because i did not have {$25.00} to put in the account and their manager XXXX said no to opening the account. I could hear rustling around in the office next to us and noticed that there was a big open space at the top of all the so called offices. As I was sitting there I noticed a husky man that resembled XXXX XXXX. He had a beard and white/grayish/blonde hair walking down XXXX XXXX That man i have seen him 3 different times before this. He drives a XXXX XXXX XXXX. I babysat for a family in XXXX who has my SSN and I think something fraudulent could be going on. The grandpa drove a white XXXX XXXX also. He was in the XXXX parking lot where i had a PO Box recently. I also saw him come through the ATM when I was asking a teller at the XXXX XXXX drive thru why they would not open an account. As I was leaving US Bank in XXXX a XXXX woman came from the side of the building and I think purposely walked behind my car as I was backing out and it looked like she was almost laughing and walked to her car where she followed me to another bank in XXXX and went to the ATM. I feel this woman and the employees ( XXXX female ), XXXX XXXX , and XXXX , all might be part of a fraud/identity theft ring. A local agency in XXXX told me that a man was trying to steal my identity at XXXX XXXX Bank. I also went to XXXX XXXXXXXX XXXX area in XXXX XXXX XXXX and they put me in a room with a XXXX woman, which was a violation of my HIPAA. I am wondering if it was the same woman. The woman at US Bank that followed me to XXXX XXXX XXXX ATM her license plates were XXXX. She was driving what looked a silver XXXX XXXX XXXX. There was also a XXXX that came in. They gave me an account number, but not a debit card. I am wondering if this XXXX woman was in another office at the same time and is committing identity theft under my name and potentially overdrafting the account or cashing a check that belongs to me.
Product: Checking or savings account

I opened a check and savings account with Regions Bank on XX/XX/XXXX, with a promo to deposit {$400.00} into the checking account once a minimum deposit was added to both accounts ( submitted the same day ) and a minimum number of debit card transactions ( 10 ) was reached within 120 days. A debit card was n't mailed to me until more than 60 days after account opening, at which point I was unable to receive it because I was out of the country. The bank was unwilling to honor the promotion while accounting for the tardiness in sending the account products, and so I elected to close both accounts. I 've contacted the bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In all of these communications, the bank refuses to close the savings account and return the money on deposit without sending a notarized letter - an action I 've indicated I will be unable to perform until I return to the US - late XX/XX/XXXX or early XX/XX/XXXX at the earliest.
Product: Credit card or prepaid card

I opened a Discount Tire Account and used it responsible and paid my account in full. The creditor closed my account after I paid it in full. I do not think this is fair. When creditor closed the accounts it has a bad impact on my credit report- my score decreased. When I paid on time and in full. Discount Tires just Closed my account for no reason.