23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A Chase/XXXX credit card was opened without our consent. All materials including one card were mailed to our home. We called Chase to alert them and instead of being concerned about this mysterious opening they asked several times if we were sure we did not want this account. They said XXXX opened it. Chase did say they closed this new card account and said they 'd send us material on identity theft in the mail. Very suspicious.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Midland Collection several times and submitted disputes several times and I gave them a police report number because I had fraudulent activity in my name including identity theft. This company refuse to remove this fraudulent information. I gave them everything they asked including the police report number. This company is harassing me with calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times in the last 2 years, EXPERIAN has dropped my credit scores when absolutely nothing has changed or according to credit score criteria my score shold have increased. EXPERIAN has been aggressively pushing an invasive program called EXPERIAN BOOST for the last 2 years at least which allows EXPERIAN to gain access to your Checking/Savings accounts in return for a possible score increase. At the very least 2 times in the last 2 years EXPERIAN has dropped my score when the criteria indicates a score increase or at the very least no change at all. 

Both XXXX  and XXXX have increased or left alone my scores during the times of EXPERIAN dropped my scores. 

The only difference is that XXXX  and XXXX  have not offered a BOOST type of privacy invading program. 

Experian may as well just accept money to increase your scores. But that doesn't happen does it ... YET?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a consumer loan with Citizens Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the Citizens loan. When Citizens attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, Citizens did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and Citizens with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

Citizens failed in its legally responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below have violated my rights. 

XXXX ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX Account Number XXXX XXXX Reported Balance {$350.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$39000.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4700.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$3800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$8300.00} XXXX ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$3100.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$7700.00} XXXX ) XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$4000.00} XXXX ) SELF/LEAD BANK Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$610.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$680.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number xxxxxx XXXX Original Amount Owed {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX Original Amount Owed {$220.00} XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$470.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$160.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$170.00} XXXX ) XXXX XXXX XXXX Account Number xxxxx XXXX Original Amount Owed {$52.00} 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 an account without my written instructions
Product: Credit card or prepaid card

My complaint stems from an experience with a  Cha  se consum er credit  card, t  he,   XXXX   XXXX   XXXX  , credit c ard and their deceptive marketing techniques and unexplained interest increases that resulted in usury.   I was a customer for more th an seven year s beginning in  XXXX . I never made a late payment, yet my variable interest rate more than trebled, without notice or explanation in a period of a month. The rate would remain at a usury level until I would close the account, of my own volition in  XXXX .   When I called,   XX/XX/XXXX ,  to inquire about the abrupt and unjustifiable rate increase. I was provided with unsatisfactory justifications and industry jargon in an attempt to placate.   I persisted, eventually speaking w ith a line manager w ho was able to, offer, a one-time interest reversal credit for a, loyal, customer, but purported to be unable to reverse the overall rate increase.   I remained unsatisfied and demanded a justification in writing for the rate increase ; none was forthcoming. I would call back a month later,   XX/XX/XXXX  , to request that the interest rate be returned to the original rate. The servicer refused and I was burdened by their usury until I was able to pay off the balance and close the consumer credit card, once and for all.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for continuing to report inaccurate information regarding my XXXX XXXX account ( # XXXX ) ** despite a previously submitted dispute. A dispute letter was sent directly to XXXX XXXX on XX/XX/year>, outlining the numerous discrepancies in the way this account is reported. Since then, XXXX and XXXX have removed this account, yet TransUnion has failed to do so. 

Under the Fair Credit Reporting Act ( FCRA ) 623, data furnishers must ensure that all reported information is complete, accurate, and verifiable. However, my credit report reflects multiple inconsistencies in open dates, high credit amounts, dates last active, and payment history. Additionally, this account is past the statute of limitations for debt collection in Texas, making its continued reporting a violation of Texas Civil Practice & Remedies Code 16.004 and an unfair consumer practice. 

The dispute letter that was sent to XXXX XXXX is attached for reference and is dated and time-stamped to confirm the validity of my request. Given that both XXXX and XXXX have deleted this account due to its inaccuracies, TransUnion has no reason to continue reporting this unverifiable information. 

I am demanding the immediate deletion of this account from my credit report to remain compliant with FCRA regulations. If TransUnion fails to act within the legally required timeframe, I will escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action for violations of my consumer rights. Please provide written confirmation of the removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has repeatedly failed to delete old accounts on my Credit Report such as XXXX XXXX  that is over 7 years old and was first reported as delinquent in XX/XX/XXXX. They also have listed the same accounts multiple times. I have two loans with XXXX XXXX but on a recent inquiry that listed the accounts 4x each. The inquiry was on XX/XX/XXXX at XXXX XXXX. They have also listed XXXX XXXX as an adverse account when it was in fact paid in full by XXXX XXXX in XX/XX/XXXX. That account also needs to be deleted.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no connection with the creditors mentioned. I urgently request their removal from my credit report. 
XXXX  Date of inquiry : XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 90 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the bankruptcy on my Experian credit report. On XX/XX/XXXX Experian responded online to that dispute with the statement, " The company that reported the information has certified to Experian that the information is accurate ''. There was no mention of who the company was that verified the information. On XX/XX/XXXX I submitted a " method of verification '' letter in response to Experian 's response so that I could find out what company certified the information. On XX/XX/XXXX Experian responded online to that dispute with the same statement, " The company that reported the information has certified to Experian that the information is accurate ''. Experian did not provide the company 's information that certified the information. Experian has shown to be acting in a dishonest manner regarding their investigation process and response. I've attached documentation to backup the above items and in that attachment I've also included two letter from that U.S. Bankruptcy Court that states they do not report ANY information to the credit bureaus or XXXX XXXX. Since the court does not provide the information then Experian has failed to investigate the information properly as the Fair Credit Act requires.
Product: Checking or savings account

I 've been with Bank of America for over 10 years, the last several with low balance and little activity. I last transferred money about a year ago. I had estatements and reliably received an email balance alert every month. In  XXXX , I received a statement in the mail explaining my funds had been escheated to the state. I had received zero communication until the money was gone. Nothing by email or mail. I understand escheatment policies vary but I had used the account somewhat recently. I called B of A and after discussing with a rep, they placed me on hold and forwarded me to the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit line at XXXX and someone already has used my SSN to make accounts its also happened to my Apple CC
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Aspire called me and asked me to verify if I had made some purchases. I looked into my Aspire Credit Card account and saw purchases that I had not made nor did I authorized. There were several purchases totally over {$280.00} Aspire proceeded to file a fraud claim so that I could get a provisional credit. On XX/XX/XXXX I called Aspire to see why I hadn't gotten my provisional credit. They said they were still processing it and that I should have it within XXXX days. It is now XX/XX/2024 and I called Aspire, they said they still have not processed my XXXX claim and they did confirm that they did receive it and that I was told wrong information when I was told it can take up to XXXX to XXXX hours. They then said that it can now be up to XXXX weeks. I told them that they should not be reporting this on my credit report and it is showing on my credit report. I shouldn't be responsible or being penalized for XXXX and them not processing the claim and their reps lying to me.
Product: Mortgage

We started a mortgage process with TD Bank on XX/XX/XXXX, to purchase a condo in XXXX, NY for my daughters. We never shopped around because my daughter was very happy with TD services in the past 10 years. At the beginning, they offered a 30 year old mortgage with no points at 3.5 % fixed rate. Upon request, we provided all necessary documents TD asked for and through-out the process, we requested the closing to take place by XX/XX/XXXX since my daughters had to move out of their current apartment as others were scheduled to move in the next day. TD Bank consistently assured us that the closing WILL take place on time. To our surprise, a week before the closing date, TD started asking for the same documents that we had provided and waited to the last week for employment verification which they couldve done at the very beginning. The loan officer apologized for late handling and processing the case via email and phone calls. TD abject failure to deliver what was promised, caused the closing date to be postponed TWICE which caused us extreme hardship and added costs of living in a hotel for 4 nights and I had to postpone my flight twice. 
But, the most egregious part of the entire ordeal was when TD Bank inexplicably increased the interest rate to 4 % even-though we had a locked-in rate of 3.625 %, literally two days before the closing and after hundreds of phone calls, emails and texts begging them to honor what was agreed upon, they wouldnt budge and presented some bogus and questionable reasoning and justification. We strongly feel that TD kept us hostage and knowing that we had our belongings in a truck and living in a hotel, we had no other choice but to accept their unfair deal since we couldnt walk away. This was nothing but an extortion which I brought up to the attention of most TD staff including the Regional Sales Manger, but they couldnt care less. 
We even asked for some type of compensation for our additional expenses by a way of waving or reducing some of their fees and charges to no avail. 
Most attorneys and people involved at the closing which finally took place on XX/XX/XXXX, five days later than promised, all had negative comments about TD services due to their past experiences, particularly TD Mortgage Division.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. and I request your assistance in investigation this matter to ensure my rights are upheld. Thank you
Product: Student loan

My employer provides a benefit which pay $ XXXX/month towards student loan debt for 5 years ( a total of {$10000.00} over the 5 years ). This {$100.00} is sent electronically to my account every month, but not always on the same day. I have contact Navient multiple times asking how I can direct this payment to be allocated to the principal on my loans ONLY, and have gotten different answers each time. Prior to receiving the benefit, I was told it was possible to direct this over payment to go straight to the principal on my loans, but after starting to receive the benefit I have been told this is not possible. So far, I have been making an extra {$100.00} payment to my account since XX/XX/2019, and all of it has been applied straight to interest. Navient has been incredibly unhelpful in helping me address this situation, and meanwhile I am wasting money on making payments on interest instead of towards lowering my overall principle.
Product: Credit reporting or other personal consumer reports

I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Northwest Collectors Inc. has been calling my job 's main phone number using an automated message divulging information of a debt I supposedly owe for some traffic tickets to the switchboard operator for the company ; who is one of my subordinates ( I have attached the most recent phone recording from this morning ). This has been going on for several weeks. I do n't believe it is appropriate to be calling people 's workplace using an automated system that discloses information that they are a collection company calling about an amount owed for a specific individual.
Product: Debt collection

Due covid payment late won't work with me ruined credit score. Can't find way to get out from under them term of loan not agreed
Product: Credit reporting or other personal consumer reports

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XXXX
Product: Student loan

FedLoan Servicing ONLY allows for payment via a bank account and insists on me providing them with my bank account and routing number. I have the full ability to pay back my loan and would like to pay, but DO NOT want to give out my bank account and routing number because I feel that is not a secure method of payment. I would feel safer paying online with my debit card as I am able to do with all of my other bills, but that is not an option with FedLoan.
Product: Credit reporting or other personal consumer reports

There are inquiries from your company on my credit report that I never authorized, and theyre seriously affecting my credit score
Product: Credit reporting

all three credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at wells fargo bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX