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

I am writing to express my concern and dissatisfaction regarding the handling of fraudulent items on my credit report, particularly in response to my initial attempt to have them removed. 

I provided detailed documentation and evidence to support my claim of identity theft and fraud. However, despite the seriousness of the issue and the evidence presented, the fraudulent items remain on my credit report. 

This failure to address the issue adequately is unacceptable and has caused significant distress and uncertainty. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX **** XXXX : {$2600.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX  XXXX XXXX : {$380.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

On around XXXX XXXX, 2016 I found that my credit card was lost and reported this to Chase Bank. I contacted them via phone and by their secure message center. They advised me that the card would be shutdown. I advised them that the card had been lost during a TSA checkpoint along with our passports. We later recovered our passports, when a TSA official saw them lying on the floor of the airport. Apparently, the card was never shutdown since there were charges totaling about {$26000.00} placed after XXXX XXXX. I contacted Chase Bank to let them know that there was still activity on the credit card on XXXX XXXX and at that time they reported the activity on the account as fraud and proceeded to close my account. I have a copy of the emails sent on the secure message center and the cell phone log to Chase Bank notifying them of the lost card on XXXX XXXX, 2016. 

On XXXX XXXX, 2016 I received a call from XXXX XXXX, a fraud case worker, who stated that " fraud could not have occurred on my account because the items were delivered to my home address. '' I asked her what the address and information was on the order and she stated an incomplete address without the apartment number listed. She also provided a phone number and email address not associated with me. She went on to state that " since the authorized user on the account had previous fraud on his account, this fraud is the exact same and will be rebilled onto the account. '' I advised her that I do n't know about the details of the authorized user 's previous fraud claims. I also advised her that hold requests were in place with the USPS and XXXX mail services for our address because we were out of town ( hotel invoices were provided ). A USPS mail fraud claim was also filed on XXXX/XXXX/16 and a police report was filed XX/XX/XXXX regarding these circumstances. A ID theft affidavit is already on file with the FTC and a credit freeze has been placed onto all of my credit reports. I feel that I have taken all the necessary steps in ensuring the security of my credit card account. 

I would like Chase Bank to absolve me of these fraudulent transactions, as per their cardmember agreement, and issue an apology for all the hassle they have put me throught. I am a chase private client with an impeccable credit history. Furthermore, I personally have never had any fraud with any of my Chase Credit Cards.
Product: Mortgage

We Have been Trying to get the Loan Number for this Property From XXXX XXXX, we have sent them the Power Of Attorney, the Certified Copy of the Grant Deed and The Title Audit Report that show the Break 's in the Chain of Title. We Have Requested a BPO Agent to come out to the property so we can Document the condition of the property brfore the repais are completed, and we have told them that we have the property sold and in escrow. We need your help to get Clear Title to this property. Addres of the property is XXXX XXXX XXXX XXXX, Ca XXXX HomeOwner was XXXX XXXX XXXX XXXX last four of SSN XXXX
Product: Student loan

Within the past 6 weeks, approximately, I have been receiving collection calls from a company called Jefferson Capital. They first told me I had a XXXX student loan in collections, there was a judgement against me, and that my wages would be garnished. I explained to him that 1. I am currently in school and as far as I know, all of my loans are in good standing. 2. I have paid Jefferson Capital a charge off in the past so I think they are targeting me because of that. 3. The first time I actually spoke with a person on the phone, around the XXXX of XXXX, I asked them to please put sometihing in wiritng for me. They claimed that they had. They have not. I was told that they had a judgement and that my wages would be garnished. As I said i am in school and according to XXXX all of my loans are in good standing.
Product: Debt collection

XXXX XXXX responded to a credit alert from XXXX and responded to dispute this matter from Midland Funding Management for 3,0000 estimate amount She responded through XXXX and their investigation remove them MCM and updated it .Then MCM sued XXXX XXXX through Civil Courts and hoping that XXXX would not show up in court. XXXX Appear and Judgment unfair award to them because Judge would not allow our proof and he focus on the Bill of sale of XXXXXXXX XXXX and MCM which wasnt contacted to XXXX XXXX only the Letter to be sue. Through XXXX contacted them about this matter before being sue the Account by XXXX had delete them off XXXX XXXX record proving possible fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00}
Product: Money transfer, virtual currency, or money service

Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX  # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of 2022 and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. 

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

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these suspicious information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im writing this because I have inaccurate information reporting on my XXXX, Equifax and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, Equifax states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on Equifax it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed.I never went through bankruptcy. Please remove it immediately. 


Bankruptcy XXXX XXXX Date Filed : XXXX Docket # : XXXX XXXX
Product: Debt collection

I received a parking ticket in XXXX, XXXX in XXXX XXXX KS. I contested the ticket and went to court in XXXX, XXXX. I lost the case and paid the fee the same day ( {$180.00} ). In XXXX, XXXX ( nearly 9 years later ) I received a collections notice from " Collection Bureau of Kansas '' asking for {$450.00} for this decade-old debt. I contacted the XXXX XXXX XXXX XXXX, KS who admitted that my cashed checked wasn't properly accounted for. However, since they sold the debt they couldn't fix it. 
I have provided evidence of paying the debt to the collection agency multiple times but they are still hassling me through multiple letters and calls since XXXX. I provided evidence of payment in XXXX, XXXX, and XXXX. 

Debt Agency : XXXX XXXX XXXX, DBA Collection Bureau of Kansas, XXXX, KS XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history I have asked to have them updated to paid as agreed, paid on time, never late. This did not happen. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT LISTED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THE PAYMENT HISTORY OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed per my request after making final payment.Comenity Bank NYCompany and XXXX XXXXComenity continues to bill for a late payment each month The account was closed XX/XX/2022 after payment made through customer service they set me a letter verifying account was closedno other activity has occurred by me.
Product: Credit card or prepaid card

I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now
Product: Checking or savings account

I am the victim of an online sale scam ( total amount of {$440.00} ; item never existed and was thus not delivered ) which was filed with the XXXX of XXXX, VA XXXX Police Department ( Case # XXXX ). This case is being actively investigated with the department and has been confirmed as a fraud case. I filed a transaction dispute with Bank of America, who made no effort to follow up with me and has since closed my dispute with no further resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has multiple inaccurate addresses and work history on my credit report. I know that the credit reports bureaus have to report 100 % accuracy and I have sent out letters to delete inaccurate information and it has been way longer than 30 days and Equifax has not deleted information or responded back.
Product: Checking or savings account

On XX/XX/2025, I opened a TradeStation account on tradestation.com via a promotion on their web site. I carefully read the terms and conditions, which I am also attached a copy of to this complaint. I used promo code " XXXX '' when opening my account. I have screen recordings and screenshots recording this fact. In a nutshell, by XX/XX/2025, I had successfully and fully completed the requirements for the {$75.00} bonus. There are XXXX {$75.00} bonuses with this promotion totaling {$150.00}. I was expecting the first {$75.00} bonus to be deposited to my TradeStation account by XX/XX/XXXX. The date passes and has still not been credited. Of course, I am expecting TradeStation to provide the bonus in accordance with the terms of their promotion. As I fully met the terms so I am expecting the bonus ( XXXX  ) to be credited to my account. 

I received a response from TradeStation in early XXXX regarding this. They say they are DENYING my bonus even I met the full qualifications for said both due to the fact that I've had TradeStation accounts previously. Well this is not acceptable as the terms do not preclude having had an account in the past. If they don't want to allow repeat customers in then put it in the terms that was advertised to me on the front page of the web site. 

Now it seems as some form of twisted retribution TradeStation has taken things further by putting restrictions on my account that has kept me from accessing my money for almost a month now. I have attempted on numerous occasions to withdraw all of my money from TradeStation to my external bank account, at least XXXX now. Each time the transfer request has been denied. For what purpose has the transfer requests been denied? I have not received my bonus rightfully and on top of it they are not allowing customers like me to withdraw funds? 

I chatted with TradeStation support XXXX weeks ago and I was told there was a so-called issue with the original bank account. I've never had any issues transferring to or from the original linked external bank account ( XXXX ). But OK, I followed TradeStation 's representative to add a different external bank account. This time I was told the transfer out would absolutely go through. However, it's been weeks of attempting transfers out and even to the different external bank account ( XXXX XXXX ) .. a bank account that I've had for almost 15 years.. my withdraw of my funds is still being cancelled and denied by TradeStation. How is legal or acceptable? This is wrong? 

Where is my bonus? Why are my funds not in my external bank account? This is XXXX months where my funds have been withheld from me without just reason. 

This will be my last time ever doing business with TradeStation, however, the bonus should be posted and my funds should be in my bank account. I'll be filing complaints with other federal and state agencies until both of these issues are resolved. Starting with this CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I received notification that there was an application for a credit card that I have no knowledge and authorization of. I filled an FTC report for stolen identity.
Product: Mortgage

I received a letter from DC Tax office last month stating that I didnt pay my taxes for the first half, as a result I owed {$810.00} plus XXXX in penalty. I was confused and I reached out to my loan officer ; XXXX XXXX, who confirmed that I paid my taxes at closing and they would take care of the tax bill including the penalty because it wasnt my fault. 
On XX/XX/XXXX, I received a letter from DC property tax office which confirms that my Tax AbatemenXXXX application has been approved and I do not have to pay property tax starting XX/XX/XXXX till XX/XX/XXXX. I emailed this letter to XXXX XXXX, who again confirmed he had forwarded the letter to the loan department. 
On Friday XX/XX/XXXX, I received a letter from XXXX Bank that my mortgage payment will go up starting XX/XX/XXXX? My monthly payment should decrease starting XX/XX/XXXX because I do not have to pay property tax till XXXX. 
I have called the number on the letter that was mailed to me, only to find out that XXXX Bank do not have a customer service department for mortgage loan servicing, just a general customer service reps who do not have a clue what I was talking about. 
I reached out to my loan officer, who just said I should call customer service. 
This is ridiculous and upsetting and someone has to be responsible for their negligence.
Product: Mortgage

Nationstar Mortgage Complaint. 

I have called nationstar on several occasions to rectify an issue that they created and still waiting a response. 
The issue has to do with my Escrow account. XX/XX/2015 I refinanced my home loan with Nationstar and after the refinance went through ( XX/XX/XXXX ) I changed my XXXX XXXX policy to another provider. For some reason this year I received an letter from nationstar that I was without Insurance from XX/XX/XXXX so they purchased a plan on my behalf for nearly 4 times the cost. 

As you can see I had insurance did n't expire until XX/XX/XXXX and to top it off the policy should have been auto-renewed. Nationstar did n't pay the renewal and have asked them multiple time to fix it. 

The representatives that I have talked to all tell me they will get back to me and never do, that 's not true one lady did, but then told me she would call back in 3 days and never has. As this point I am very frustrated and do not want to deal with them anymore for their constant failure. I want them to fix my escrow account and return money to it as this is clearly their fault. 

Can I sue them for incompetence as I feel like doing that.