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

I have identified information on my consumer report that are result of identity theft, these items are not related to any transaction completed by me the consumer. 

Pursuant to 15 U.S.C. 1581b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instruction of the consumer to whom it relates. with that being stated if they can not produce a written affidavit signed by me with a wet signature all the following should be removed from my consumer report. 

Inquiries- XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name XXXX XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and Experian report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and Experian list 564 months ; XXXX inaccurately lists XXXX. 
Date Last Active : XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : Experian and XXXX show 120 days late in XXXX and XX/XX/year> ; XXXX does not report these delinquencies. 
Comments : Experian : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice. 
The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ). 
15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement. 
15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report. 
15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Money transfer, virtual currency, or money service

Hello, I started using the Gemini app to start trading cryptocurrency. After depositing funds into the account and buying a few crypto coins, they will not let me sell or withdraw my money because my account needs to be " verified ''. I don't understand how they can hold my money hostage for over a month now without any communication. Please help with this matter. 

Thank you, XXXX
Product: Student loan

Greetings, During this global pandemic, communication has been phrased around " as of XX/XX/XXXX, your loan service will suspend any federal student loans and suspend interest till XXXX XXXX. You do not have to request it, the loan servicer will do so automatically. '' Even the Consumer Financial Protection Bureau communicated the same here : https : //www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ I have federal, Stafford student loans that are now with Navient ( was with Sallie Mae , acquired between XXXX ). 

Today XXXX, I saw my loans were now past due and had not been suspended. From everything I was reading, even on this site, my loans were indeed federal and met the criteria. When I called Navient just now on XXXX, I was told yes, my loans are indeed federal, but they are only suspending all US Department of Education loans ... and my loans even though are federal, are not owned by the US Department of Education therefore, they would not be automatically suspended during this pandemic. 

This is serious miscommunication. Or, Navient is not abiding by the law. I carried on and did not pay for a month as everything I had read seemed to line up. 
Yes, I did see that in your article there was an exception of FFEL program loans, but mine are not even that. They were FFELP loans, which I thought were different and did not see any mention of them as an exception. 

So the statement that all federal student loans will be suspended is false and should be more clearly communicated, or, ANY federal loans should actually be suspended during this pandemic, as they should be.
Product: Debt collection

XXXX has continuously denied my credit bureaus disputes stating that I still owe this amount of money and I have submitted receipts over and over that this has been paid. I have also talked to numerous representatives from the agency and they all give me the run around. I have submitted receipts to them directly as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an incorrectly reported 30 day late payment on a XXXX XXXX  revolving account. I spoke with the creditor who told me what to do ( go through the dispute for it to be corrected. ) On XXXX/XXXX/2017 ( # XXXX ) I disputed as instructed, investigation was completed on XXXX and it was corrected. ( Screen shot of correct reported attached ). However, after this was completed and corrected, Equifax re-added the 30 day late. I have continuously tried to get them to fix this to no avail. I do not believe that Equifax is investigating and reporting the correct information as should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call stating  I may b e served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two pymt s of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with   XXXX   XXXX  . He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Someone either applied at capital 1 in my name or capital 1 ran my credit themselves, I DID N'T AUTHORIZE IT.
Product: Debt collection

XXXX XXXX account on XXXX file for collection is not mine account. This is a result of ID theft and a file number the FTC ID theft has been filed. FTC report number is XXXX.
Product: Mortgage

My original mortgage was   XXXX   XXXX   sold to   XXXX   XXXX   XXXX   then Green tree and now  Ditech.    This issues has been going on since  XXXX . Were they constantly send me statements that I owe them payments and always different amount owed.     I have given them bank statements showing payments I have made payment, i have even sent them there online statements showing the payments cashed. They agree with me that payments have been made and leave me alone for  XXXX  months and start again.     Recen tly Ditech state s again I owe them now {$24000.00} for mortgage not paid I have not missed a payment I call them and they say they have record of me paying and see how its been applied wrong but nothing is done.     They continue to threaten me with foreclosure and send me modification loan that is for higher rate and more money.     For the month of  XXXX   XXXX  they sent my payment back refusing to take payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have a complaint about this account XXXX  XXXX  XXXX  # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke with XXXX with Credit Fresh who advised me my monthly automatic payments of {$110.00} each month the last 2 years only {$20.00} has gone to the principal balance which is {$480.00} and {$2200.00} has gone to their monthly fees which was not told to me at the time of taking out this loan.
Product: Debt collection

on XXXX i sent a validation letter to FCO, they failed to respond to my dispute. Under federal law this is a violation. i would like the removal of this alleged debt. 
As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Product: Debt collection

I paid this debt when I left the XXXX XXXX XXXX and I showed them proof when I received a phone call from them and they said they will get back with me and never got in contact with me just put me in collections
Product: Mortgage

My Mortgage is with OCWEN which recently has converted to PHH. My loan number is XXXX. About six months ago they increased the rate to 5.625 from 4.875. All the increase in payment went to Interest not principle. After ten years of this loan I am paying {$920.00} in interest and {$540.00} in principle. Before the rate increase the amount of interest and principle were approximately even. 

This is my complaint. Two things : First I feel they have cheated in the way they applied the extra payment and that now I have almost no principle reduction. Second I requested an amortization schedule and they have refused to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I checked my personal email. Upon reviewing the emails that were sent, I came across one from XXXX XXXX that my score had gone down by XXXX points! Wondering why so many points have been taken off of my score, I see that there was an unauthorized hard inquiry from XXXX XXXX Bank for a credit card request. This inquiry was requested via Transunion. 

After reviewing this information, I immediately contacted Transunion regarding this fraudulent activity. Transunion asked that I contact XXXX XXXX which I have done and to file a complaint with the FTC and request a letter. After speaking with XXXX XXXX they informed me that the account would be closed and the inquiry would be removed from my report. I do see that the card was closed, but the inquiry still remains and my points have not been returned.
Product: Credit reporting or other personal consumer reports

This violates 15 U.S. Code 168i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove it immediately. Multiple names, numbers, addresses, and finance companies must be removed immediately. I did not authorize this. XXXX XXXX and XXXX XXXX need to be removed from my credit. The only name to be shown is XXXX XXXX XXXX. That is my legal name. I can send proof. The only address and phone numbers that need to be shown are XXXX and XXXX XXXX XXXX, XXXX, LA XXXX & XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX, XXXX, LA XXXX. XXXX XXXX is also showing as paid off, and I was incarcerated when that account opened fraud. The company is a scam. XXXX XXXX financed a car in my dads name, first me, and second. They ran my name with lenders without my permission. This all has my credit bad, and I am buying a home. Also, Ally Financial has a report on my credit that when the car was stolen and found and then they sold it at an auction which my car had full coverage insurance on it and should have paid it off. They are saying I still owe. That is not true.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX a salesman for XXXX XXXX named XXXX knocked on our front door selling Solar Panels Program. We listen to his offer and accepted it to get Solar Panels installed, grid attachment equipment, Solar Panels, and the Loan Financing program to pay for it all. The loan financing involved a {$49000.00} loan paid for over multiple years. The federal tax rebate was additional incentives described to us to further sell the program. We were told or offered that if we gave them a large portion of our rebate the interest rate of the loan will not amortize to a higher interest rate within an 18 month period. We accepted that offer and signed the loan papers. The loan amount was set at {$140.00} per month till it was fulfilled. If it amortized it would increase to $ XXXX per month till the loan matures. The rebate example agreed in question was 26 %, the IRS increased it to 30 %! The catch was no matter how much you made the rebate was not all paid the first year of the loan. 26 % was roughly {$12000.00} to {$14000.00} to be paid directly to the loan company within 18 months of the loan start. What we discovered was we only got a portion of the rebate because we didnt have more that was setback for refund by the government. The loan company knew this knowing that the loan would amortize to a higher rate because they knew consumers never got ALL of their rebate the first year anyway knowing that if we knew this we would of never signed that agreed to get Solar Panels know it was too much for us to pay like that!! Salesman : XXXX XXXX XXXX : XXXX XXXX XXXX Amount : $ XXXX Rebate at 30 % : {$14000.00} Year XXXX Tax Refund : {$4500.00} XX/XX/XXXX loan amortized to $ XXXX monthly. 
Finance Company : Goodleap They presented a fictitious and illegal instrument for us to sign knowing it was impossible to fulfill by IRS rule!!
Product: Checking or savings account

Chase Checking account Breach On XX/XX/XXXX Chase received ( what they call a suspicious balance request ) and they provide a balance amount. I did not receive any notice of this call/request until after the breach. 

On XX/XX/XXXX a fraudulent Chase account check in the amount of {$19000.00} was deposited into my checking account and the teller provided {$18000.00} in cash back to the depositor. 

On XX/XX/XXXX Chase notified me via email that the above deposit was rejected and my account had been debited {$18000.00}. I then went to my local Chase branch in XXXX Nj to provide additional funding to cover checks I had issued. I was charged for new checks and a wire fee which I have not been reimbursed for. 

After numerous attempts and requests I have not been provided any of the items below. 
1 ) What branch was the fraudulent deposit made?

2 ) what form of identification was used to receive the balance information and the cash back at the branch?

3 ) Why was I not notified on XX/XX/XXXX of balance inquire? ( Especially since Chase tagged it as suspicious ) 4 ) Why was I not notified on XX/XX/XXXX when Chase provided {$18000.00} cash back? 

All of these questions are critical so I can prevent this from happening again. 

This breach is entirely due to Chase negligence and appears to be an inside job. I should be refunded all costs related to the breach at include but not limited to : 1 ) cost of new checks for replacement account {$50.00} 2 ) Chase charged me {$15.00} for me to wire replacement fund into mew account. 
3 ) Interest charges on the {$18000.00} not redeposited into my account for 12 days {$50.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX A XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Sincerely XXXX A XXXX
Product: Credit card

Citibank obtained my name, date of birth and address and pre approved an {$8000.00} ready credit card. I do not know where they got my personal details since this an am American Credit card company and I live in XXXX. They then kept offering me unsolicited credit card increases to the amount of {$25000.00} without checking my income or any verification. They then applied a credit rate XXXX times the amount of what the original rate was. I tried to cancel several times and they refused. They eventually lowered to rate to keep me as a customer. I have complained in XXXX but not much was done due to FOS being bias and on the bank side, they have reduced what is owing but they did target me because I was in my early XXXX 's.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about several issues I have encountered with the credit bureau, including false account entries, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Product: Credit card

Every month when I pay my SOFI Cred card bill it takes over a week to update my available credit even after they've taken my money from my checking account!! Most credit cards update the same day or next day! This is beyond absurd!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my balances on my 5 credit cards every month. So my XXXX credit card reported my balance down to {$0.00}. Which on today that {$5.00} that was paid off showed a XXXX. Then Experian reduced my credit score down 16 points. I called them and they said that they did not see any negative items on my report and don't now why my credit score dropped 16points. And my statement to them is I don't know why either. All I got from this is they can do whatever they want and sit back and take it. I'm very disturbed by what just took place. here is my information. XXXX. XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX IL XXXX. They keep also lying to me about my name being corrected. I just see XXXX XXXX XXXX. And it need to say XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A few months ago i tried to open a checking account at a major bank and was denied due to record with XXXX out of XXXX, MN. I ordered a free report from them and it shows that I am on record for " ACCOUNT ABUSE '' from US Bank. 
I HAD an account with US Bank out of the XXXX, SD branch. Around XX/XX/2015, I had an issue with a potential landlord attempting to steal money from me in the form of an uncashed deposit check for an apartment i never signed a lease for. I contacted US Bank and spoke to a Personal Banker by the name of XXXX ( Last name unknown. ) I advised XXXX of the situation and he told me that my account would be closed that day. 
Few months down the line I get a letter of account closure stating i owe over {$500.00}!! in overdraft fees from other items and automatic payments coming out of the account. XXXX NEVER closed the account like he stated he would. 

Now fast foward two years I can not open an account at a major bank due to a false record on file with XXXX furnished by US Bank. This account should have been closed per my request to XXXX which should be on record at US Bank. I do not owe this {$500.00} balance on the account. I want that deleted and I want that record removed from the XXXX database. 

This is a violation of FCRA by US Bank. They are reporting account abuse on an account they should have closed!
Product: Debt collection

Someone falsely opened an Avant credit card account in my name. They haven't yet deleted the account from my credit record despite my repeated requests for them to do so. After doing some research, I've discovered that the card was mailed to an address that is not mine. This is not the owner of this address. I want this account deleted since I am not accountable for it, even though I reported identity theft with details. I haven't received a response to my report.