23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a Chase customer for a long time, with a checking and savings and also the credit card in question. I believe my apr was somewhere in between 8-10 %, which I will never be able to get such a low interest rate like that again, so it's especially upsetting that this card was closed by Chase. A bit of backstory is necessary here in order to understand why this occurred : I have been on SSI for approximately 24 years and a financial review was done on my case and they falsely attributed more money than I actually had and they stopped my payments. Long story short, although it's been 9 months and I've furnished all the information they've requested, they still have not returned me to pay status, nor have they paid me while waiting on appeal which they were supposed to, so I have had no money and my automatic payment to my XXXX card bounced in my Chase checking account, even though I called XXXX ahead of time and asked them to take me off of auto pay and which they agreed to do, somehow it went through anyway. So this set off a chain reaction whereby I had a negative {$150.00} balance in that checking. Also the unpaid XXXX card combined with that must have lowered my credit score enough to trigger an automatic closing of my Chase card when it was time for a review. I had just paid a total of {$600.00} on that card ( borrowed from my Mom ) so that i could use the card to pay my rent. They didn't care! They were absolutely cold-blooded when I called them in tears and inquired why this was happening. I had never even been late with a payment ... .yes i carried a high balance, but just a couple of years ago I paid off {$3000.00} of my balance, so I have made progress at times. I had no idea that they could just close one 's card when the account was in good standing! Needless to say it caused me extreme hardship since I was unable to pay my rent, and I was already extremely stressed over losing my SSI benefits, which was what caused me to be in this dilemma in the first place. Now XXXX card has closed my account as well, and my APR on that was 10 % so I am really dismayed and depressed over losing it as well. Now I have no credit cards whatsoever, and there's no way I will ever sign up for the offers i get in the mail these days ... ... .APR of 29 % and the like. If anyone can help me with what I feel was an unfair and unwarranted closure of my Chase credit card, I would so appreciate it. Also, Chase also closed my checking and savings accounts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to delete the following information in 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 that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX Amount : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

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

Equifax has inquires that I never authorized on my credit file. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires.
Product: Credit card

I had Wells Fargo Credit Card over 25 years before they unexpectedly closed my account on XX/XX/year>. I am not complaining here about why the bank closed my credit card account but I am here to complain my reward points of XXXX worth over {$1500.00} to redeem for cash or {$2500.00} to redeem for travel. I know the bank and the consumer have the right to close the account but my case, the bank closed my account when I asked them to redeem my XXXX reward points that I had been earning for using the credit card over 2 years. I called the Wells Fargo credit card department 2 days before they closed my account and asked them best ways to redeem my reward points but I found my credit card and reward account closed next day when I decided to redeem it through travel. When I called the Wells Fargo credit card company and asked them why my account is closed and how I could redeem my reward points, they didn't explain to me the reasons for closing my credit card. I filled a complaint to the bank about my reward points, and they responded weeks later by saying that my credit card reward points are lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several emails to XXXX  XXXX XXXX CEO about an old credit card account. I was told they were unable to locate account under my name and social security number. I was told to file a dispute. after filing an dispute several times the accounts comes back stating it credit card account belongs to me. the problem I have with this is if I call XXXX  they are unable to locate account. 
I have tried several time to get this account off my credit with no luck. 
After sending several emails to CEO someone calls me stating they located account once I ask how much I owe I was told I would get something in the mail. l never receive anything
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I see many alarming mistakes with the information on my report. I have disputed this inaccurate information but have been ignored about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being.According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}. 



Open Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks,
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from XXXX and Experian stating that my information was breached. I have reportedly asked them and told them that the information was not correct on my credit report. I know my sanctions and I know my codes and this is not justifiable now that I know that my information was leaked and my information was stolen. I want these items removed off of my credit report that does not belong on my credit report. Ive been fighting this for years and now I have letters from both Experian and XXXX stating That they can offer me free credit monitoring when Ive already told them several times that the information was inaccurate on my credit report so I want those items removed.
Product: Debt collection

Debt was paid using a check for the amount of XXXX, the apartment company cashed check using ACH and did not turn over the check to the bank, however it clearly states the name of the apartment complex and the amount on the bank statement.

The apartment complex itself was notified and confirmed that it was a mistake due to the transfer of their ownership.

The debt collection agency says that they could not " reach '' the apartment complex and would therefore be unable to take the debt off.
Product: Credit card or prepaid card

On XX/XX/2019. I paid off my XXXX credit card. I had a {$1500.00} credit limit. I used {$520.00} of that credit and paid it off again on XX/XX/XXXX. On XX/XX/XXXX I checked my credit limit and noticed it was decreased to {$300.00} and I owe a balance of {$7.00}. I called the credit card company and they told me they had the right to decrease my credit limit even though I had never been late or missed any payments. To this day I have never received a letter from XXXX explaining why they decreased my credit limit. I was only told that they follow fico scores and my fico score had decreased. They used XXXX. I checked my credit report and there is nothing new or damaging. My only late payments were almost 2 years ago from my old auto loan. I have done nothing wrong but pay off my card twice in one year.
Product: Checking or savings account

My account was negative {$14.00} on XXXX at XXXX XXXX ca time zone there were not any pending charges on my bank account. My boss sent me my paycheck XXXX at XXXX XXXX When I checked my account yesterday before XXXX my account was not negative and they pushed my XXXX deposit as of today and not yesterday I have used XXXX 100s of times the funds are available to use right away and I shouldnt of had an overdraft fee They new there was pending deposit they didnt let reflect on my account so I could get overdraft my sister XXXX XXXX seen my bank statement yesterday and she sent me the {$10.00} so I have a witness thats willing to states under oath there where no pending charge on my statement the only time I see the chargers where today and the computer posted them as yesterday when they should have posted today because it didnt reflect on my account how can someone keep there account balance form negative if there hiding your pending transactions thats fraudulently Either there computer glitch or there programming it to hide pending transactions so you can get overdraft todays pending transactions went through right away no issues but not the ones form yesterday and the only difference is my account has money in it today and not yesterday morning I was also told by an employee today they are having IT problems there systems is down that could be on of the reason there computer glitches on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, XXXX, and Equifax credit reporting agencies 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. The following accounts are the fraudulent/unauthorized accounts in question : XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX Inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified original company in XXXX that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 we sent {$330.00} on the MoneyGram platform to my syster-in-law bank in XXXX. All was done in US dollars. The reference number is XXXX. After more than four contacts via text, three phone calls and three difference " cases '' opened with their customer service site, no money has been refunded, no explanation offered. Everytime we open another case, the resolution time keeps extending and extending. 
At this point, two and half months after this transaction, we are calling in internal fraud by MonyGram.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint and alert the authorities that the 3 credit bureaus, XXXX, EXPERIAN AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX. 

They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results. 

Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end. 

I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have 2 XXXX  Loans from when I got my XXXX XXXX. 

Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information. 

I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished. 

There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers. 

I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company. 

ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC identity report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. XXXX XXXX. EXPERIAN XXXX. XXXX and the Creditors XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX  XXXX. XXXX Nothing changed. XXXX, EXPERIAN, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION. 

In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because XXXX XXXX and XXXX XXXX XXXX added a negative comment to my file. 

No investigation was ever completed by EXPERIAN XXXX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY XXXX OR XXXX  XXXX XXXX. 

It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me.

The information was not blocked by the 3 credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed. 

To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting an collection account with XXXX XXXX XXXX SERVICES XXXX, which does not belong to me & experian refuses to investigate this account that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately. 

secondly another account with XXXX loan servicing XXXX is showing 2 times 30 days late in XXXX & XX/XX/2014, which is not correct as the payments were made on time and experian refuses to correct that as well.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and National Collegiate Student Loan Trusts as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. When I was on XXXX XXXX orders for training and XXXX the last two years, I had no problem deferring my loans. Now I am on an accelerated repayment schedule, they are trying to make me payback approximately {$2000.00} a month on approximately {$25000.00} in Gate Loan debt when I still have four more years of SLRP principal payments plus one additional year of partial payment of approximately {$2500.00} that the government will pay on my behalf. I have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that National Collegiate Student Loan Trusts have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. I have not found a way to contact NCT Directly. AES has been horrible on the servicing. Everytime I call into AES, I get a different person and have to explain my situation all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified that these accounts do not belong to me & are a result of fraud. Please delete these accounts.
Product: Debt collection

I am writing to file a formal complaint against CREDIT COLLECTION SERV, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : CREDIT COLLECTION SERV has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ). Violation of 12 CFR 1006.34
( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. CREDIT COLLECTION SERV placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : CREDIT COLLECTION SERV has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices. 

Violation of XXXX XXXX XXXXXXXX Statute of Limitations : The statute of limitations to collect this debt in XXXX XXXX XXXXXXXX has passed. According to XXXX XXXX  XXXX laws, the statute of limitations for debt collection is three years. CREDIT COLLECTION SERV is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights.