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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened atXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My mortgage company continually does not post payments timely or correctly. I made my XX/XX/XXXX payment on XX/XX/2018. I received a stament dated XX/XX/18 for my XX/XX/XXXX payment that showed both a apyement due for XX/XX/XXXX and XX/XX/XXXX. When I called SLS, they stated that my payment was current and they could not explain why the statement I received showed a past due payment. I was told to disregard the statement. I asked if they could send me a correct statement and I was toLD I would need to submit a written request. I would like this servicing company held accountable for sending me correct stamens to reflect my payments posting correctly. I should not have to send a written request to get a corrected statement. I would also like the ability to manage my account online so I can insure everything is posting correctly as it is received. I received a statement in XX/XX/XXXX which they could not explain an additional {$710.00}, but I paid it as I wanted my account to stay current. XX/XX/XXXX I made my payment for XX/XX/XXXX. My XX/XX/XXXX payment is scheduled to be electronially transferred to them on XX/XX/XXXX. I never received a statement for XX/XX/XXXX which should have shown the XX/XX/XXXX payment due and that is why it is not attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.
Product: Credit card or prepaid card

I have registered a new credit card of Amex XXXX XXXX XX/XX/XXXX. 
There was an offer which is a sign-up bonus of XXXX XXXX points after spending {$3000.00}. 
I had spent over {$3000.00} XX/XX/XXXX then paid off when I got a billing statement. 
After spending over {$3000.00} they, Amex, has not given the XXXX bonus yet. 
I have tried to figure it out 4 times with chatting and calling but they only said that your case is investigating. They gave me a time frame of 6wks and 8wks to be completed but it is still expanding forever. It seems like they do n't want to give the bonus and are willing to be a thief in XX/XX/XXXXnow. I know many people who made Amex XXXX card at the offer period and they have not received the bonus as well.
Product: Debt collection

An expired credit card was used fraudulently to set up aXX/XX/XXXXaccount. The phone #, license plate and automobile listed on the account are not mine. I had contacted theXX/XX/XXXXCustomer Service Center ( XXXX XXXX and XX/XX/XXXX ) on several occasions about this matter and was instructed to document my complaint in a letter. This letter was sent to them by Certified Mail on XX/XX/2020. I phoned them a month later and was told by customer rep " XXXX '' that the investigation was ongoing and nothing more needed to be done on my part. On XX/XX/2020, I received a notice from a collection agency Transworld Systems Inc. to collect this fraudulent debt.
Product: Credit reporting or other personal consumer reports

Inaccurate Information on my consumer report since XXXX I requested An Independent Investigation with detailed documentation and evidence that directly confirms the disputed XXXX XXXX account
Product: Credit card or prepaid card

I phoned Chase Bank in order to apply for their advertised Chase Sapphire Card which has a number of Bonus Points attached to the use & payment of said card.
I have had this particular card in the past and chose to Cancel it after a while as I did not spend as much money ( in Retirement ) as I once had.
As it turns out, I am building an addition to my home and will be spending a LOT in the next few months, so I want this card. My credit score is certainly high enough as I know it is over  XXXX  pts. and I have very little outstanding debt. So little that I could pay it off at any given time if I chose to do so.
So, one week ago I applied on-line for this card and was told I could not be approved. I BELIEVE this must be because I am older and retired and they do not think I will spend enough money or something. Whatever their reason, I am certain I qualify for the card in accordance with their own criteria.
Product: Credit card or prepaid card

Beginning XX/XX/2020 I begin to have problems with my USBANK RELUACARD. My unemployment benefits are deposited to this card. Ive never had any problems until I moved this month. On XX/XX/2020 my balance was available but my account was blocked. After being on hold with customer service for 45 minutes to an hour, I was told my account was in the fraud department. I was instructed to send my government ID & a selfie to verify.usbank.com/id. On XX/XX/2020 I received another call from the fraud department stating I needed to resend my ID & selfie because it was unclear. Again I sent the information. Here it is XXXX XXXX and another check has posted. But because of their neglect in processing my information I am without electricity, food or gifts for my family. I called again this morning and got the same run around that Ive gotten a week ago. The CSR all say they would put in a ticket and send it to escalation department. I hung up and tried another number where the CSR explained that there was a message on my account had a note from the escalation department from XX/XX/2020 stating unable to lift block. Why the previous CSR didnt relay that message is applauding to me. After 2 times of send ID/selfie Im still unable to access MY benefits. As if life isnt hard enough because of the pandemic now I have to wait for another 5 to 7 days. Tomorrow Friday is XXXX so that is an additional delay. 
I have put in a complaint about this company before to no avail. THIS ON TOP OF UNEMPLOYMENT BENEFITS POSSIBLY EXPIRING THIS WEEK NOT BEING ABLE TO SUPPORT MY FAMILY IS EMOTIONALLY DEPRESSING. I intend to file a lawsuit for emotional distress, and my wages that are an available balance as of this date {$410.00}
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1666b, I have no late payments. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. No company has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

Please have XXXX XXXXXXXX XXXX remove and permanently delete all payments that are showing any late status from my credit report.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid our account in full with XXXX XXXX and closed the account. We were assured the account was closed. They lied and fraudulently left the account open. They proceeded to charge us a fee, not alert us a fee was due, and then charge off the account when we failed to pay the fee. This fraudulent activity has been negatively impacting our credit since XXXX. In XXXX of XXXX XXXX XXXX sent us a check and a letter stating that " During a recent review of your account, we identified that an overdraft protection transfer from a linked account may have processed in an unintended manner. Fees, interest, or both related to this transfer are being refunded. As a result, we are enclosing a check in the amount of ( the full amount they claimed we owed ). We apologize for any inconvenience this caused. '' In XXXX of XXXX we filed our third dispute with the credit bureaus to get this taken off our history and XXXX XXXX is still refusing to remove this admittedly fraudulent information from our credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on XXXX and XXXX of XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to Experian, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Debt collection

CBE Group keeps sending me collection notices in the amount of {$170.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Mortgage

I made my mortgage payment and received confirmation on XXXX/XXXX/2015. I received email confirmation and postal confirmation that my payment posted on XXXX/XXXX/2015. I contacted the Bank on XXXX/XXXX/2015 because the payment had not posted. The rep indicated that the payment is on file and was probably delayed due to the Holiday. I received notification today that I am 30 days delinquent from my credit monitoring service and that they never received payment. I have both confirmations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX, XXXX, XXXX, DEPT OF ED/XXXX -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Product: Debt collection

XXXX XXXX is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive contacted the following companies ' XXXX, Transunion, and XXXX, about my credit profile having wrong names listed as well as the wrong address on file.to no avial i have yet to get any help updating these issues. also to alert companies about fraudulent activites.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove 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 XXXXXX/XX/XXXX
Product: Consumer Loan

I took out a loan for a ring that I purchased through the store and was making the proper payments on a monthly basis. I calculated how much I had owed and got it down to the last month. When I called in to the store I asked if it was the last payment and how much more I owed. I was told that everything was paid off and that nothing more would be owed. Months later I receive a phone call notifying me that I still owed {$7.00} from my previous account and due to the interest I now owed {$110.00} on top of that. I explained to the company that I had been told that my account was paid off when I last spoke to the store and they fixed the issue. They removed the interest that I owed and I settled the payment of the {$7.00} that I apparently owed despite being told previously that I had settled all payments months prior. However it is reflecting on my credit score now by dropping it XXXX points in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a certain account for several months now, yet have not received anything concrete to prove my case and keep it from being registered on my credit file. This is a clear violation of my rights. It appears that the credit bureaus have not conducted a thorough investigation of my disputes. I have included my dispute letters enclosing XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act. Despite this, the accounts are simply coming back as verified without any proof of due diligence being done. This is highly concerning and unacceptable. 


The CFPB is the only hope of providing some justice to this situation, as the credit bureaus have been exploiting consumers rights for too long. I am submitting a complaint to the CFPB today, hoping that they will offer meaningful answers and have my best interests in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has through gross negligence, leaked millions of social security numbers, dates of birth, and driver 's license numbers. These are things that can not be changed, so anybody who has access to this info can potentially steal my identity at any point in time. Beyond this, Equifax refuses to properly inform people who have been affected. Even their online system has been shown to randomly tells you you are affected or not. Now, to protect your credit, every person has to pay for a credit freeze and unfreeze and refreeze their credit every time they need to open a new account. With fees up to {$10.00}, a family of four stands to pay {$120.00} to freeze our credit and then each of us will need to pay {$60.00} to unfreeze and refreeze each time up apply for credit.
The following should be done : 1. Mandate Equifax to inform every affected customer by postal mail.
2. Make credit freezing and unfreezing free at all 3 bureaus 3. Based on the gross incompetence they have displayed, Equifax should not be allowed to maintain consumer credit information anymore. The other two agencies must have high security requirements mandated on them including periodic penetration testing and ethical hacking.
Product: Credit reporting or other personal consumer reports

On XXXX I sent Experian a dispute letter regariding accounts reporting on my consumer file that I never recalled providing Experian any permission or written instructions to furnish a copy of consumer report as stated under 15 U.S. Code 1681 ( a ) ( 2 ). In addition it has been over 30 days I haven't received a response from Experian regarding my dispute as under 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) which in the court of law is the same as consent that the accounts in dispute were not legally provided the permission or written instructions from the consumer to whom it relates as per the Fair Credit Report. The accounts XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were the accounts included in my dispute and they should be deleted from my report in accordance to the Fair Credit Reporting Act.
Product: Credit card

XXXX XXXX XX/XX/year> JPMCB card showed up on XXXX But I did not try to apply for credit card