23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016 I mailed a RESPA Qualified Written Request to Chase ( XXXX ) in XXXX Ohio. The letter ( with a copy of the original application form ) was a follow up to correspondence from Chase which included a copy of a loan application with a number ending in XXXX. The application also referenced and entity XXXX ( XXXX ) in connection with the same number ending in XXXX. Our letter sent XXXX XXXX, made the following request : " Please provide the XXXX number for the herein referenced APPLICATION for a Chase Home Equity Line of Credit. To date no acknowledgement or response has been received from Chase in regard to this request for information pursuant to RESPA 12 USC 2605 ( e ). Our correspondence was sent via US Postal Service with the tracking number XXXX and was delivered according to the USPS website on XXXX XXXX, 2016 at XXXX XXXX in XXXX, OH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is XXXX XXXX, I have sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Product: Debt collection

The company couldn't verify that both debt were mine. Which i had no knowledge of their exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 i had a XXXX credit score on my equifax credit report but all the sudden i go to pull my reports on XX/XX/19 on equifax i see some old fraudulent pops up on my report and drop my hard earn score down to a XXXX i been on the phone with equifax everyday just begging them and asking where are they is getting all this wrong info on thses accounts that are not mines its aginst the law to report old and fruad accounts on people accounts they even have my name wrong they have XXXX XXXX 1 thats not mines i sent in my copy of driver lic and ssn card they still give me the run around here are the accounts # # # 1 XXXX XXXX  COLSED it was off my account now back all the sudden # # 2 XXXX XXXX never ever heard of them but its on my credit report now CLOSED account # # # # 3 XXXX XXXX XXXX never heard of this account now it on my credit report i belive equifax is a total waist to try to dispute with them they give u the run around saying send all this personal info in and then once i do that they act like they never recive the docments its crazy i have a 1 year long fraud elart on my report i even have 50 hard inquires on my report and cfpb got that remove for me and thank u all for the hard work equifax is a bad company ripping people credit score down to where i will have poor credit the rest of my life i had a ggod score of XXXX but now its a XXXX because fruad accounts here is another one pop back up on my report # # # XXXX XXXX plz remove false fraud account equifax u all no better
Product: Bank account or service

I opened a checking account with Citibank, and on the offer for the checking account, Citibank was to give me XXXX bonus miles up on completing some steps of payment and a minimum spend. I completed the steps, and waited for the miles to arrive in my account. No miles, so I called Citibank to find out where they were. Citibank then informed me in writing that there was no promotion available at that time, even though I have an email from them with the program details regarding my new checking account. 

I called and talked to a Citibank rep, XXXX # XXXX. She confirmed with me that there was in fact a promotion at the time I had signed up, and she also confirmed with me that I had signed up within the time frame provided in the promotion offer. XXXX # XXXX filed an appeal for me, and I received another copy of the same form letter stating that There was not a promotion offered at the time that I had signed up. 

I called Citibank again today, and talked to XXXX # XXXX, and she said after an appeal was denied, there was nothing she could do. 

Please help me to get the XXXX miles promised me by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : See attached letter
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an item off XXXX and paid via Venmo ( XXXX and XXXX ). This ended up being a scam, the seller never sent the item. I submitted a case to venmo which was denied at first and then I appealed which was approved and a refund was sent on XX/XX/year> for {$510.00} ( so venmo claims ). It is now XX/XX/year> as of this complaint and customer support can not explain to me why my refund has not apeared in my bank. They will not connect me to the team that deals with this matter as that team only " works through email ''. I am essentially being held in limbo hoping that Venmo decides to send me my money which was covered through their own policy. 

I have called Venmo multiple times and all they can tell me is they will escalate the case to a " specialist '' and I will hear back via email ( I have not recieved a single email about this case from Venmo from the start ). 

I have confirmed with my bank that there has been no transaction of this refund from Venmo from XX/XX/XXXX. I have also sent screenshots of my bank statement to Venmo in hopes that that will help expedite this. 

CFPB please help me, its been over a month that I have been dealing with this. They already approved my refund, they just wont send it and nobody can help track it down.
Product: Vehicle loan or lease

Good evening I would like these hard inquiries off my credit report because I didnt authorize these companies to run my credit this is fraudulent
Product: Debt collection

Consumer adjustment co. Has failed to notify with a letter notifying me of this debt
Product: Credit reporting or other personal consumer reports

I have contacted each company and requested that this information wasn't authorized by me. I have not given written consent for this information to be reported to any company. I am a victim of identity theft. This request isn't being made in error, Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # & I am including it again.,
Product: Debt collection

On XX/XX/ a {$9000.00} charge was fraudulently made using my Chase credit card. The charge was identified as fraud and reversed the same day. Chase investigated the charge and determined that another individual used my credit card to make the purchase. At that point the matter was closed. 

On XX/XX/ I received a letter via certified mail from XXXX XXXX XXXX, XXXX attempting to collect the {$9000.00} debt. 

I do not know the company, XXXX XXXX XXXX, the Attorney listed above, or the charge. I have filed a report with the US Mail service for mail fraud. I have no idea if any of the above actors are legitimate or if they are working together to defraud the general public. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ) I have the right to request validation of the debt that you say I owe you. Your offices have failed to provide any information tying this debt to me. I have yet to receive any proof of documentation that proves that there is some contractual obligation that is binding me to pay this debt. Your offices have continued to report invalidated information to the three major credit bureaus and in such, this may constitute fraud under both federal and state laws. I have disputed these claims and your office is telling me that this is mine. How is that? If anymore action is taken that is considered detrimental to any of my credit reports, I will seek legal counsel. Once again, please provide the following : Please identify the original creditor. 
Please provide the original contract from the original creditor and I showing my signature. 
Please provide the assignment contract between your office and the original creditor. 
Proof of licensure to collect in the state that I live in ( TX ).

Provide line by line accounting of the original account.

Proof that you are in compliance within the statutes on limitations for the state that I reside ( TX ).

If the debt that you say I owe cant be validated, then I ask that you remove this from my credit reports.
Product: Checking or savings account

I sent a check to the property management company XXXX XXXX XXXX Virginia XXXX XXXX, responsible for processing homeowners fees in XXXX of XXXX. The check cleared my account on XX/XX/XXXX for {$160.00} when my account had a balance of {$640.00}. The company stated on XX/XX/XXXX the check was returned for non-sufficient funds. My account had a balance of {$1400.00} on that date. I was not notified of the issue until XX/XX/XXXX when the company threatened to put a lien on my property. I had moved and the property management company claimed they did not have an updated address for me so they sent all notices to my previous address. I contacted the company several times in XXXX notifying them I did not have NSF, I shared with them the cleared check to show the funds were removed from my account. They stated their bank, XXXX XXXX XXXX, said I had NSF. 

The XXXX XXXX XXXX Virginia XXXX XXXX provided a statement that clearly shows 2 payments from the same check on my account for XX/XX/XXXX, a charge of {$30.00} for NSF and 2 payment reversals. They sent a letter stating their lockbox file was posted twice on my account in error and that the 2 payments did not happen. They are stating that they did not try to cash the check twice as shown on the statement. However, the check was paid by my bank therefore one of those payments was completed. They claimed they received no funds from the check but my bank, XXXX XXXX Bank, has verified the check was paid to the payee. XXXX XXXX XXXX XXXX Virginia XXXX XXXX is fraudulently saying I still owe the funds because CIT Group XXXX XXXX is falsely saying I had NSF with a balance well over {$160.00}. 

I believe XXXX XXXX XXXX Virginia XXXX XXXX has erroneously reversed a legitimate payment for my account due to their lockbox attempting to cash a check twice. They are trying to fraudulently receive additional funds from me that they have already received in XX/XX/XXXX. I have sent XXXX XXXX XXXX Virginia all the documentation that shows my account had sufficient funds for the entire month of XX/XX/XXXX.
Product: Checking or savings account

I can't close my accounts with CIT Bank ( checking or money market account ).
Product: Credit reporting or other personal consumer reports

I use the credit karma app to dispute my transunion credit report. I previously opened a case/Dispute File Number : XXXX was opened on XX/XX/year> and is still open with no response. Can we close this dispute so i can dispute another transaction please? It was supposed to be completed by XX/XX/year>. This was against " XXXX XXXX. '' Please close this dispute so i can open others. Thank you. The lender is showing incorrect information and not responding in 30 days. Please credit karma close this dispute. I will utilize XXXX and cfpb ; then attorneys or more important people to dispute the non responsive " XXXX XXXX ''. Please close the credit karma dispute so i can utilize it against another issue on my report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have asked XXXX and Transition to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Product: Consumer Loan

I was aggressively sold an installment loan by Wells Fargo, told it would save me money on my maxed out credit card. Turns out the interest rate was 11 %.
Product: Consumer Loan

On XX/XX/2016, I received a letter from Westlake Financial through CFPB stating that they would remove the double negative from my trade line. Per the letter, it stated that it will take up to 30 to 60 days to remove the double negative.
Product: Student loan

In repaying my student loan based on an income-based repayment plan, I received information from Navient about the renewal processes only through an email with an obscure subject line and with no information providing the date by which I should request renewal and what the consequences were of a late renewal request. As a result, the benefit lapsed, and resulted in the capitalization of USD XXXX in interest added to the principle of the loan, increasing the amount I will ultimately have to repay.
Product: Debt collection

On XX/XX/XXXX I noticed a new collection listing on my credit report in the amount of {$960.00}. This debt collection was being reported by Phoenix Financial Systems and I had no knowledge of this account. I sent Phoenix Financial Services a Debt Validation letter by certified mail. I have yet to receive any type of response from the company. My tracking number with United States Postal service shows this letter being received on XX/XX/XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
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. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX has violated my rights.

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

On XX/XX/XXXX, I sent a letter to XXXX, Experian, and XXXX, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.
Product: Mortgage

Regarding loan XXXX -May XXXX XXXX, I was told to give a LOE about a " late payment within XXXX XXXX '' shown on my credit report I responded saying I did not see such thing on all XXXX of my credit reports. I also sent the signed docs stating so as requested from my loan officers. 

-XXXX XXXX  I called BOA 's home loan servicing asking if a late payment was reported anywhere. The rep looked at my loan history, and confirmed none was found. 
XXXX XXXXXXXX, I received the loan history from BOA which I forwarded to my loan officers. 

-Still no update as to when my late payment was. XX/XX/XXXX, I spoke to XXXX from home loan servicing, and she said she can not put in a formal dispute without knowing a date. I alread kept asking repeatedly when was the late payment so I can relay the message to home loan servicing so they can investigate. 
I looked at my XXXX credit report, and found out that, in XX/XX/XXXX, the payment showed as " NA- not applicable payment history '', which was different that the other items. Therefore, I asked the rep to open a case for XX/XX/XXXX. The case number is XXXX -Still no update as to when my late payment was. On XX/XX/XXXX, I called home loan servicing and talked to XXXX XXXX who said BOA 's loan officers can contact them directly asking for more details. 
-Missed a call from XXXX XXXX XX/XX/XXXX. Received the letter from BOA about the XXXX - XX/XX/XXXX, my loan officer called saying my application got declined, stating that last Thursday XXXX she was told of when my late charge was. The entry was back in XX/XX/XXXX, where it showed " bad check reversal ''. This information is from the loan history that I received from BOA 's home loan servicing on XX/XX/XXXX. 
And this is the reason why the under writer declined my application. 

I called home loan servicing XXXX XXXX, XXXX, requesting more details on the date XX/XX/XXXX. 

On XXXX called XXXX, and left XXXX.
Product: Checking or savings account

I was a victim of fraud. Wells Fargo overdrafted my savings account after a fraudulent charge depleted my checking account allowing {$520.00} to be taken out of my account. I was told since I disputed the charges it would drop off and the funds would be put back into my account but that did not happen. The charges were for {$230.00} and {$280.00} both unauthorized and leaving my account empty. It is now 4 days later and the XXXX business day and Wells Fargo is treating me like a criminal they will not give me a conditional credit and MY XXXX is due today XX/XX/XXXX. The bank offered me no resolution and pretty much told me it showed face to face so they cant help, although my card is still in my possession. I am very upset that a bank I trusted to put my money into would treat me like a criminal and not assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX, Equifax, and XXXX. Each of the three agencies is erroneously reporting incorrect information. XXXX, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to XXXX. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia DDS and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX account and are severely inaccurate in reporting which in turn interferes with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting a charged off account with a balance. The account is active with no balance. They admitted they were having problems with their credit reporting and now are refusing to fix it and taking 0 responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX