23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed.

Also under 15 us code 1681 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) | the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$17000.00}. XXXX  XXXX date XX/XX/XXXX. XXXX  XXXX date XXXX
Product: Bank account or service

I am a Rushcard victim who has not been able to access my money for eight days. Rushcard did a system upgrade with a glitch in it causing thousands to be without their money. In my case they put my direct deposit on expired Rushcards instead of the new cards I have been using since XXXX 2015. I have emailed, called just to be hung up on, spoken with different Customer Service Reps just to be told different things. When you call they act like they do n't know how to help you or they are just plain rude. People ca n't pay bills, ca n't feed their kids, ca n't make it to work, has lost jobs behind XXXX XXXX Rushcard. We trusted him to protect our money who is going to protect us from him. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit Report, Experian Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX Credit Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Product: Credit card or prepaid card

Starting early spring XX/XX/XXXX, XXXX started to send me renewal pops ups on my computer to buy their software protection plan. I declined numerous times, I had no intension of renewing & had another provider. XX/XX/XXXX I received a renewal notice from XXXX - Not to worry they renewed my subscription, they had my card on file?? Really, I did not authorize this.. I immediately looked at my Discover account and realized they actually charged my account over {$110.00}! I immediately notified DISCOVER and opened a dispute. DISCOVER closed the dispute in favor of XXXX twice because XXXX had my information on file and therefore it must be true and I am the liar. On XX/XX/XXXX I contacted XXXX, they agreed I did not renew nor solicit them for renewal. Regardless they made several attempts to solicit my business with unwanted pop ups and threats of computer viruses, etc.. I did not sign up, I DECLINED ... several times. I feel violated by XXXX, they stole out my pocket and I am upset with DISCOVER as they allowed XXXX to do so based on their very poor standard of proof. It was up to me to prove " with documentation '' I did not authorize, how am I supposed to provide documentation when I never created any documentation or approved a purchase? 
XXXX is sending me what they call a refund check for the full amount, it will take 3 weeks, we shall see. I have all emails from them as " confirmation '' .. 
I am upset with DISCOVER - allowing a transaction to stand that was not authorized. DISCOVER did not handle this properly. DISCOVER employee 's in both dispute & billing were just like.. '' oh well, they had you information, that's good enough to make it a valid charge ''. 
As it relates to services over the internet and specifically ones that take liberties to renew without authorization to do so. I asked DISCOVER why didn't you ask them what date I approved or gave them approval? They would have had a hard time providing that as they didn't not get one.. DISCOVER replied, " Good Question..we 'll make note of that for the future! '' ... really???? 
DISCOVER then advised me my dispute is closed, so am I to assume XXXX can charge they XXXX out of my account because they have some old information on file??. It's unfair to any consumer to be dealt with this way by any merchant or credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I applied for a XXXX XXXX credit card from XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a email that I was denied for a line of credit due to the fact that my fico3 score did not meet their criteria of XXXX above. So I contacted logged to my Experian account to check my fico score and to my surprise I have a score of XXXX dated back from XX/XX/XXXX I called Experian and asked for a updated fico3 report from leader in management and I was advised that I couldn't and wouldn't get a updated version of my fico3 report if I didn't purchase a membership & subscription.
Product: Mortgage

On XX/XX/XXXX I called Wells Fargo mortgage department to get my elderly, XXXX fathers mortgage PMI removed as his remaining balance is about 63.5 % of original LTV on his HARP 2.0 refi. Wells declined, stating the amortized date for him to hit 78 % is in XXXX of XXXX. He has been below the automatic 78 % removal cutoff for about XXXX years and is STILL paying PMI. I was sent to their escalations department and all we are getting is a letter stating details of the HARP PMI signed in XX/XX/XXXX for the refi on the 25 year loan. Not only is this not in accordance with the HPA of 1998, it is against XXXX XXXX own guidelines and is obviously predatory.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding fraudulent items that have appeared on my credit report, which may be related to identity theft. Pursuant to 15 U.S.C. 1681c-2, I request that the necessary measures be taken to ensure this information is promptly blocked and removed from my credit report. I have provided all the pertinent documentation to support my case, including : A copy of my police report or identity theft report issued by the FTC ( XXXX ). Valid identification and proof of my current address. The fraudulent negative marks on my report are as follows : Unauthorized inquiries : XXXX XXXX  - XX/XX/year> XXXX XXXX  XXXX - XX/XX/year> According to the provisions of 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block and remove any disputed information related to identity theft or fraud within four business days of receiving the corresponding report.
Product: Debt collection

Company : Debt collector RMP Services LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX. Debt from hospital stay XX/XX/XXXX ; amount {$77.00} reported to credit bureau on XX/XX/XXXX. This company had 2 accounts in my name. Settled all accounts for {$160.00} paid in full on XXXX XX/XX/XXXX over the phone with XXXX and XXXX ( I was transferred ) with the understanding the account would be deleted from credit report since paid in full. As of XX/XX/XXXX account is still listed on credit report, currently listed as " closed '' not deleted. Called RMP on XX/XX/XXXX spoke with representative who states XXXX XXXX XXXX XXXX does not usually delete paid accounts in her experience. Directed me to speak with her supervisor. Called XXXX XXXX on XX/XX/XXXX asked if he could remove paid account from credit report as that was understanding at time of payment. He stated he did not have record of my request ; account is listed as closed. I asked if he could delete as account is paid. He said " at this point there's nothing I can do. I suggest you call credit bureau and ask for them to delete since it's only {$77.00} dollars. '' He indicated too much time had passed since I paid off the debt.
Product: Mortgage

I sent in my XXXX payment ( on time ) of {$890.00} and noticed the payment hadn't posted. I received a notice from BOFA stating that they could not post my payment because it was XXXX cents short. I never received any notice that my payment amount had changed so I sent in my XXXX payment but only included XXXX cents of the XXXX cents owed. I checked my account and noticed that neither the XXXX nor the XXXX payment was posted and was showing a past due amount of XXXX cents. I went into my local BOFA branch and paid the XXXX cents and was told that the payments would be applied. Last week I received a notice stating that my account was past due notice that my account was past due XXXX XXXX dollars. I call customer care on XX/XX/20 and was told that they had changed their payment system and that they were behind on posting payments. Two days later my payments are still not posted and they have now reported this to the credit bureaus. Today is now XX/XX/20 and this problem has still yet to be resolved and another late notice was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use of my consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX Incorrect Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Numbers : ( XXXX )
Product: Checking or savings account

On XXXX XXXX, I went into a Chase Branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX to open a Checking and Savings account. I had received a coupon on the Chase.com website after logging into my credit card account to receive a {$500.00} bonus for opening the Checking and Savings account. I was assisted by XXXX XXXX, a Chase banker, who helped me to open the accounts. The Chase banker reviewed my information and asked me extensive questions in regards to my personal and financial situation. The banker expressed no concerns with my information and my accounts were opened with no issues. On opening, I wrote two checks, {$25.00} for the checking and {$15000.00} for the savings which I funded with the recent sale of my home. Documentation on the closing of my mortgage with XXXX XXXX and the wire instructions with the escrow company can be provided upon request. 

On XXXX XXXX, the checks cleared and the funds were available in the accounts. 

On XXXX XXXX, I attempted to log into my Chase Mobile App and received a notice that my accounts were suspended and to call customer service. Upon doing so, I was informed that my checking and savings accounts were to be closed. I attempted to gain information and understanding of why my accounts were closed and did not receive an explanation. I also went to the branch where I opened the account and the Branch Manager was unable to retrieve that information as well.
No attempt was made to my knowledge by Chase to reach out to me prior to the closure of the accounts. No notice was given. 


I had recently opened accounts at two other financial institutions and did not have any issues with those banks. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX
Product: Credit reporting or other personal consumer reports

The Chex system dispute process is a complete sham and is there just to fool the regulators because all they do is just waste the customers and banks time with irrelevant questions and paperwork that doesn't even give the bank the option to remove an inquiry that was made in error and that the bank itself has been asking them to remove. 

My first application with XXXXXXXX XXXX  on XX/XX/XXXX was closed in error and we had to redo the application again on XX/XX/XXXX. Before redoing the application, the bank agreed to remove the inquiry from XX/XX/XXXX and I have attached a written email saying that directly from the bank. The bank asked me to open a dispute with Chex on XXXX XXXXnd their lousy website gives you only XXXX characters to say the reason for the dispute, And then when they forwarded that dispute to the bank, they only asked the bank employee what was the original reason for the inquiry and she had no way or method to say that even the original reason was for an account application, that application went into an error and we had to redo the application and that they are asking for the inquiry to be removed. The bank employee even called Chex at multiple times and got the same run around that I have been getting. All the Chex agents ever ask is what was the original reason for their inquiry and nothing after that. 

And just to note, Chex did the same thing when I had duplicate inquiries from XXXX. I had to file 3 disputes and 2 complaints with CFPB before they woke up and corrected that situation. I had a written letter from the XXXX bank that they did not ask my permission before doing those inquires and still it took Chex months and 5 complaints to sort that out. So trust me, I will keep filing complaints against Chex every week till they get their act together
Product: Credit card or prepaid card

I saw an ad for notary jobs on XXXX from XXXX XXXX XXXX XXXX. I signed up for all three classes. I took two classes at {$190.00} each. It was n't until the second class that XXXX XXXX XXXX XXXX told the students they do n't have employment, they only do training, and that is not what I signed up for. I should have checked with the XXXX because this company is a scam. I did not take the third class that cost {$340.00}. I have been working with Capital One since XXXX of 2017 trying to get this resolved. Capital One is charging me for all 3 classes, plus interest. Capital One is charging me {$740.00} to XXXX XXXX, the amount should only be {$390.00} since I only took two classes and I would like to dispute that amount as the classes were not as advertised. If push comes to shove, I am willing to pay the {$390.00} and mark it up as a lesson learned in order to save my good credit rating. I am not willing to pay an additional {$340.00} plus the interest Capital One is charging me, for a class I did not take. 

I was another victim of a scam. XXXX XXXX XXXX XXXX has scammed quite a few people, but Capital One should have had my back. I was a good customer, always paid my bill on time and had an excellent rating with them before this happened. I have called Capital One many times and have sent them the attached documentation. I finally cancelled my credit card. I had a zero balance before this charge of {$740.00} and now with interest it is up to {$830.00} and it just keeps getting bigger. If you can please help me with this, I will sincerely appreciate it. I am at my wits end and do n't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card for individual was opened at XXXX XXXX XXXX  on XX/XX/2021 with a {$500.00} limit. 

I was unaware of this identity theft until months later I checked my XXXX XXXX  account and saw a 200 point drop in my score. Clearly I live in another state from this banks location and have no emails in my personal or work emails relating to XXXX XXXX XXXX. 

Since this became a revolving credit card debt issue there is a {$650.00} balance. I urge to you please open a fraud/identity theft investigation immediately.
Product: Credit reporting or other personal consumer reports

Moved out of said apartment with no balance due 5 yrs ago I have obtain rentals after living here with no issue recently these charges appeared on my credit report in collections with no notice, no explanation, and has caused problems with me getting house please address immediately
Product: Debt collection

I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.
Product: Student loan

Long story short when I was in the military I took out a private student loan from XXXX XXXX XXXX. After I got out of the military in XXXX XXXX, I graduated college that XXXX XXXX. Some time between XXXX and XXXX my loan is being serviced by American Education Services. After I got out of the XXXX I got a job and was struggling to make my payment of {$320.00}. The intial loan amount was {$30000.00} with Interest I owe {$42000.00}. In the last 3 years I have paid over {$7000.00} in interest and only {$3500.00} in principle. The interest rate is at 5.83 %. So lets fast forward to XXXX XXXX, XXXX right now I am unemployed, I am 100 % XXXX with service connected through the VA. I am back in school doing XXXX credit hours using my post XXXX XXXX XXXX. I am married with XXXX kids XXXX of the children I pay {$1000.00} a month in child support. Also in the mean time my wife and I are trying to start a business so all her time is spent raising a XXXX year old and office management stuff to find customers for our XXXX business. Finally I have had enough and I called XXXX XXXX XXXX, I was told they no longer do student loans and they ca n't help me with my private loan in restructuring it. They said technically AES owns the loan and they can do it. I called AES and talked to a supervisor named XXXX she told me the same thing I have heard over the last 3 years XXXX XXXX XXXX only allows 2 month forbearance that is it. After threatening to call and write anyone and everyone that could help me handle the situation XXXX said that they would forbear it for 60 months while I am in school. She sent me the paper work and it only says forbearance for 2 months. I am at my wit end and do n't know what I can do to get help besides start writing and calling everyone to get help. PLEASE HELP
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX