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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$220.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$4000.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7100.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$1600.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$4000.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX XXXX XXXX/DEPT XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX/DEPT XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX/DEPT XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX/DEPT XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXDEPT XXXX  Balance : {$0.00} XXXX XXXX XXXX/DEPT XXXX Balance : {$0.00} XXXX XXXX XXXXDEPT XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2200.00} US DEPARTMENT OF EDU XXXX Balance : {$7100.00} US DEPARTMENT OF EDU XXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$1100.00} US DEPARTMENT OF EDU XXXX Balance : {$1600.00} US DEPARTMENT OF EDU XXXX Balance : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3900.00} US DEPARTMENT OF EDU XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX - XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

I have something for a Dealing Funding LLC I have n't had a vehicle from them before. They stated on my credit report that it 's a joint account and that it 's a repossession. I have never had a vehicle repo before either. I have always bought my car straight right until three years ago in XXXX of 2013 as you all can see on my credit report also. I have even tried to contact them from the contact number that 's listed on my XXXX credit report, but unfortunately I was n't able to get through due to it 's an none working number. I also contact XXXX to get another number, but that 's the only contact number that 's on file XXXX.
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. 


OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX Number : XXXX has violated my rights.This account was never 30 days late or past due 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

/his letter is to inform you that Experian credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and FederalLaw mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my Experian credit bureau report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a  record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that your organization has, in a manner that can only be described as gross negligence, failed to block a fraudulent account on my credit report despite ample evidence and repeated attempts to rectify this situation. Frankly, I am appalled by the incompetence displayed by your organization in handling this matter. 
XXXX XXXX XXXX XXXX I have been a victim of identity theft, and it is well-documented that this fraudulent account is causing severe damage to my creditworthiness. I have repeatedly submitted the necessary documentation to prove the fraudulent nature of this account, yet your investigation has been nothing short of lethargic and agonizingly slow. 
This is not a matter that can be brushed aside or treated with indifference. The presence of this fraudulent account on my credit report is jeopardizing my ability to secure loans, obtain credit, or even access essential services. It is causing me unnecessary stress, XXXX, and financial hardship, all of which are entirely your fault due to your inexcusable delays in resolving this issue.
Product: Checking or savings account

I went into a JP Morgan Chase bank at XXXX XXXX XXXX in XXXX VA on XX/XX/XXXX between XXXX to deposit a reimbursement check of about {$1600.00} from XXXX XXXX ( XXXX XXXX XXXX I asked the teller to deposit {$1100.00} into my checking account but that I wanted to receive {$500.00} back in cash. I was told by the teller that I could not receive any cash back. I asked her why she stated that I didn't have enough in the account to cover the amount that I was requesting ( the {$500.00} ) I asked her to cash the check in full then and then I would simply deposit the cash of {$1100.00} to her and keep the {$500.00}. I was told that I couldn't do that either I would need to go to XXXX and cash the check there. The teller DID NOT inform me of and funds that would be held from the check or about any funds that would be available. I was only given 2 options : 1 ) deposit the check and wait for the check to clear or 2 ) take the check to XXXX and cash the check there. Based on Consumer Law : EXPEDITED FUNDS AVAILABILITY ACT ( XXXX ) and the amount of funds I had available in my account ( {$400.00} ) and the funds that had been made available after depositing the check ; which I found out when I got back to my car ( {$200.00} ) I had enough funds available to withdraw the requested {$500.00}. The teller discriminated against me and did not hold to her obligation of being an officer of a financial institution. I initially called Chase customer service on XX/XX/XXXX when I returned to my car at XXXX I spoke to Representative Avill XXXX XXXX is the initial case number. By the time I returned home are XXXX I spoke with the branch XXXX at XXXX he informed me that the matter would be escalated. I received a call on XX/XX/XXXX from the Complaints department and gave a statement of events and dates and times and made it clear that I wanted to pursue legal recourse and wanted this to be escalated to the legal department as my consumer rights have been violated. I spoke with the representative at extension XXXX my case number is XXXX. I reached back out to chase on XXXX as I had not heard back from anyone and I was told that someone from the escalation team on complaints would call back. I called again on XX/XX/XXXX and left a message in the mailbox of the Complaint representative and have not heard back.
Product: Credit card or prepaid card

On XX/XX/2020, I instructed American Express to close my Amex Everyday card through their website chat. A few hours later, unfortunately I noticed that the American Express associate closed the wrong card. After noticing this, I called their customer service the immediately. And while their customer service is owning up to the issue, and the company is taking blame, no action has been taken to resolve this. I have chat transcripts of what occurred and I want the company to fix their mistake before this severely impacts my credit report.
Product: Debt collection

I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXXBalance : {$170.00} ( Original Creditor : Medical ) XXXXBalance : {$140.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

I opened an account with Citizens and set up a recurring monthly transfer of {$10.00} from an external bank into Citizens to avoid the service fee. I then was never allowed to log into their website ever again, they said that I'm not permitted to see my account. I went to a branch and spoke to a teller to close my account, and withdrew all my money as cash and received a receipt for account closure. The teller told me that my account was closed. 

Next month they still withdrew {$10.00} from my external bank account. I called customer service and was told that the account was never closed, and that they'd do it then. I received another document in the mail saying that my account was closed along with a check. When I try to log into the website, they say that my account is closed and I'm still not allowed to see anything, so I can't stop the recurring transfer. 

Citizens just withdrew another {$10.00} from my external bank account. This was not planned for, and caused me to overdraft. I need the CFPB to help me force Citizens Bank to close my account and stop trying to take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Product: Debt collection

Someone called me about not existing loan. It's scam Phone number XXXX
Product: Credit card or prepaid card

My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Product: Credit card or prepaid card

I

AM VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY HAS OPENED A CREDIT CARD UNDER MY NAME THEY HAVE MAINTAINED THE CREDIT CARD AND THEY HAVE MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I AM NOT RESPONSIBLE FOR T HE CARD OR FOR THE PAYMENT THAT THE THIEF HAS MADE. I HAVE ASKED NUMEROUS TIMES FOR DISCOVER TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, AND I HAVE ASKED THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FORM MY CREDIT REPORT. THIS IS REALLY UNFAIR. I HAVE EVEN SENT THEM MY IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT. WHY ASK FOR DOCUMENTS WHEN YOU ARE NOT GOING TO HONOR THEM. I AM THINKING MABE DISCOVER HAS SOLD M Y INFORMATION AND NOW THEY ARE REFUSING TO RMEOVE THIS ACCOUNT FROM MY CREDIT REPORT.
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 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$12000.00XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$2900.00}
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.

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.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all the credit companies and the XXXX XXXX to tell them that its fraudulent activity with the account and theft and to close all Account associated with XXXX, all the credit companies and the XXXX company was negligent in doing so, now they are doing all type of shady practices and added a random XXXX dollars on my credit report for no reason at all and i tried to call every company I got hung up on and now answer I want you guys to step in on my behalf please. This isnt right what they are doing is illegal, please verify that for me.
Product: Mortgage

I have contacted my mortgage company numerous times since my closing date in XXXX. My escrow has been over inflated since the day of closing. I have sent in documentation of tax estimates multiple times and continue to be told they 'lost ' them or can not find them at the time I call to follow up. I have been promised that a new analysis would be done and my overage returned on two separate occasions. Now, my yearly taxes have been paid and there is an over {$4000.00} overage in my account and the bank is refusing to complete an escrow analysis. I have been calling repeatedly about this issue and continue to be promised an escrow analysis will be completed, but one is never done -- or at least I have never received anything in writing. I called again today and they are refusing to honor the previous promises that the analysis would be completed as soon as the taxes are actually paid and insisting on delaying another month into XXXX.
Product: Credit card or prepaid card

I am having issues with US bank with my business credit card. My card was lost and it was used for several charges. They have denied my claim and have not shown my the reason why other than by phone that they are saying that merchant verified ID and that is impossible that any of these merchants verified Id because my Id was not lost with the card. My card is at risk of being closed and i have tried to resolve this issue with US bank on several occasions and they always say that i will receive a call back. I am going to include my Id to this complaint so they can verify. I need this matter resolved ASAP as this has already gone to long to trying to come to a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$1800.00} Balance updatedXXXX XXXX XXXX Original balance {$1800.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$1800.00} past due as of XX/XX/2023. 
Status updatedXXXX XXXX Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX 15 us code 161 c z a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. it has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. these accounts should not be furnished on my consumer report as they are in violation under 15 us code 1681 b - the permissible purpose of consumer reports ( a ) in general subject to sub-section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consent instruction to report anything on my consumer report which violates my right as a federally protected consumer. no consent is identity theft. As a consumer, I am demanding the deletion of the account listed immediately
Product: Mortgage

I have been trying to have PMI removed from my loan since XX/XX/XXXX. I did an extensive remodel on the home. I followed the companies policy for removal by emailing and submitting renovations to no avail. On XX/XX/XXXX I submitted again and this time provided the appraisal I had done that clear states my home XXXX has surpassed the 20 % equity to remove PMI. I have called several times and given a promise that someone would call back. I have not received a call or any communication regarding this matter.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports