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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

I have been making extra Principal payments every month by mail, in addition to the payment automatically made each month via my checking account to Mr Cooper. Along with the Payment and payment slip I have had a note with each payment that the check is to be applied to Principal Amount of the debt only. Instead of applying the extra payment to Principal only, Mr Cooper has applied the payment to Future Interest/ Future Payments, that quite frankly will not exist ( I am paying them off entirely in XX/XX/2024 and have stated so in phone and written correspondence for the past year. The latest shenanigans by this predatory Bank has been to apply extra principal into a unapplied Suspense account to unknown purpose. It's as if they don't want me to pay off the account or something and are using my money for nefarious purpose I can not fathom. I have enclosed the latest statement with their application and my notes on the statement itself. I want Mr Cooper after applying the $ XXXX payment I made in May to send me a pay-off letter ( after applying the " Future '' payments, and all of the money they have withheld in suspense and other mysterious accounts that they are earning interest on to my debt ) on the first business day in XXXX with exactly what my pay-off is as of XX/XX/2024. Upon receipt of said payoff letter I will send in a final payment and be done with them.
Product: Checking or savings account

This is an additional complaint adding to a previous complaint : COMPLAINT ID XXXX " After reviewing my year-end statement I noticed that PNC has charged me over four thousand dollars in overdraft fees .... '' On XXXX - Spoke to a representative in regards to my complaint. At this time PNC bank has not satisfactorily resolved the issue. Went as far as not acknowledging that my first attempt of requesting help ended up in their rep stating " They can not give a refund because one was given previously ''. At this point, it is not a refund but in fact, them returning money they unrightfully took from my account. I think sincerely believe they are making every attempt to dodge this complaint and respond back in such a way that drags on. It leaves consumers no option but to obtain legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. TransUnion reporting company is reporting XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. XXXX and TransUnion are reporting different information on the same account which is contradicting each other. This is a discrepancy.
Product: Student loan

I requested a discharge application for my private loans based on school misconduct and they refused to send me an application.

I have a Borrower Defense approval and my request was denied.
Product: Money transfer, virtual currency, or money service

Used XXXX App inside of my TD Banking Account to purchase 4 Tickets to the XXXX XXXX for XX/XX/22 for {$320.00} ( $ XXXX ). Received Email saying tickets were transferred and I would get them within 4 hours. I never received them and then she made up an excuse that she didnt know that she couldnt split them up because they were a Family Package but I could buy the other 2. I said NO and requested a Full Refund which she agreed to and when I asked for confirmation she blocked me on XXXX. I have pictures of all of the communication. I also have the email addresses used : XXXX & XXXX XXXX Profile : XXXX XXXX I have reported the issue to TD Bank and they said to File Reports for Fraud & Scams and also contact the Local Police to file a report. I have started sending information to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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 three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

paid in full ON XX/XX/2019 XX/XX/2019
Product: Money transfer, virtual currency, or money service

I used the Chase Bank Mobile app ( Quick Pay ) on XXXX/XXXX/XXXX to send funds ( {$100.00} ) to a friend. using her valid Phone No, name and email which had already been setup on my account before. so i then called her after sometime to confirm if she received the funds but she told me she has not. this came as a surprise to me as this system works instantly especially if its an inter-bank transfer ( within same bank ). i called her again after some time and she said she has n't received the funds yet. so we cross checked her details together and found out that the email i used was n't her default email on her account no more. she had changed this email. however, still owns this email and also this email is still listed on her account but not just as a default email. i then thought this funds will be reversed to my account but it was n't. i called the bank on different occasion they initially told me it went to someone else account and they will try and reverse it has this person had already withdraw-ed the funds and that i should be calling them to check. i kept on calling and they kept giving me different explanations. my issue with them is that how could this fund go to a different account as that account can not have the same email with my friend. they Bank told me its possible that the funds got credited to an account using same email with my friend i argued with them that this is can not be possible as no one can share same email address within the same domain. i just got off the phone with them now where they told me they can not reverse this funds or contact this person which whom the funds went to his/her account. i 've explained to them that their system is flawed. but they told me that they are not liable to and can not refund they funds or help me in no way. This is not how to treat a customer. these funds should n't have been credited to a different account in no way and under no circumstance. please help. thanks and regards. XXXX XXXX
Product: Vehicle loan or lease

Since I have been with Santander, they have been charging extremely high interest rates to me. I have been paying my car note within the month agreed upon, and because I hadnt paid by the 23rd they have charged me a 29 % interest rate per day, to the point I had to request an extension of my vehicle loan. Every time I have made a payment all of the payments have went to interest versus the loan.
Product: Checking or savings account

I was charged fees for overdrafts prior to my debits being paid and I wasnt overdrawn, this happened quite a few times, I paid once my check was automatically deposited.
Product: Debt collection

This complaint submission is in regards to a false credit report by EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XXXX XXXX. It was confirmed through fax confirmation that a EOS CCA representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time EOS CCA has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$1000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting EOS CCA immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute to XXXX about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed XXXX that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed XXXX to Delete ( not update ) this account. On XX/XX/2022, XXXX updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. XXXX is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.
Product: Checking or savings account

On XX/XX/XXXX, a stranger broke into my hotel room, XXXX assaulted me, and stole my driver 's license, credit card, two debit cards, and prescription XXXX before he left. Before I became aware of my missing property, the man withdrew a total of {$10000.00} from my checking account with my debit card ( still have no idea how he got my PIN # XXXX. He did so in three separate transactions- one ATM withdrawal for {$800.00} XXXX right down the road from the hotel ), a branch withdrawal of {$7000.00}, followed by another branch withdrawal of {$2400.00}. Immediately upon knowledge of this ( on XX/XX/XXXX ), I called Chase and reported it. Claims dept. took the information regarding the ATM withdrawal but made me call the fraud dept. to report the branch withdrawals since, " These involved checks '' ( and the branch XXXX ultimately told me they were teller withdrawals taken out with my debit card and pin ). 

On XX/XX/XXXX, after continuous calls to Chase 's fraud dept. with no concrete update to my claim, I went into one of the branches the thief went to. There I was informed I had to sign an Affidavit of Unauthorized Signature and did so. I was never told by anyone at Chase that I had to sign this document or else I would have weeks ago. I attached my written police report statement as the police would not provide me with a report number until the investigation 's concluded. The police INCIDENT REPORT number is XXXX. THE NEXT DAY is when they finally sent me the letter to sign an affidavit, as it showed up in my account alerts/notices. XX/XX/XXXX, they approved my claim for the {$800.00} ATM transaction ( as a " one-time courtesy '' as I was told by Chase 's XXXX office ; she also told me that the ATM trans. was filed under Reg E and bank withdrawals processed under Reg CC. ) That same day, I called to confirm their receipt of my signed affidavit faxed by the branch XXXX, was told it takes about two business days to come through and to try back on Monday. On XX/XX/XXXX, I called again and was told they still haven't received my affidavit and to re-fax it. On XX/XX/XXXX, I re-faxed the affidavit and called the fraud dept. for confirmation ; customer service rep. told me that they already received the faxed affidavit on XX/XX/XXXX and my claim was denied due to lack of care in keeping my account guarded against theft by possibly having the PIN # written down ( which WAS NOT THE CASE ). I asked if I could see documentation of the investigation they performed and evidence as to how they came up with that decision but was denied access to any more information due to " the type of claim ''. I was NOT negligent of my account and if they want to hold me liable for this colossal transaction, the burden of proof lies with them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent entries are inaccurately reflecting my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent items, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc.. I want to emphasize that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I understand the importance of accurate credit reporting and the impact it has on my ability to access credit and financial services. Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
I am enclosing supporting documentation, including any supporting documents provided, to assist in your investigation and expedite the removal process. 

I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to file a compliant regarding the actions of Creditors Bureau Association . I am deeply concerned about the apparent violation of federal law, specifically 15 U.S. Code 1681a ( 3 ) and 15 U.S. Code 1681b ( 4 ), as outlined in the documents attached.

It has come to my attention that Creditors Bureau Association has disclosed medical information about myself, in direct contravention of 15 U.S. Code 1681a ( 3 ). Furthermore, the subsequent redisclosure of this medical information by Creditors Bureau Association, as indicated in the attached documentation, is a clear violation of 15 U.S. Code 1681b ( 4 ).

Given the severity of the violation and the sensitive nature of medical information, I urge your office to take immediate action to ensure compliance with federal law and to rectify the damage caused by Creditors Bureau Association 's actions. I request this account be deleted. I was not given proper notification by Creditors Bureau Association.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Creditors Bureau Association to ensure accountability and prevent future violations. I request that this account is deleted from my credit reports due to the multiple violations. Additionally, I ask that all relevant parties be notified of the seriousness of these violations and the legal consequences associated with non-compliance. 

Please keep me informed of the progress of your investigation and any steps taken to address this matter. I appreciate your attention to this issue and trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect consumers ' rights and uphold the integrity of our nation 's consumer protection laws. 

Thank you for your prompt attention to this matter. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXXBalance {$22000.00} XXXX XXXXBalance {$440.00} XXXX XXXXBalance {$1100.00} XXXXXXXX XXXX XXXX**Balance {$2400.00} XXXX XXXXXXXXXXXXXXXXX****Balance {$15000.00} XXXX XXXX XXXX*Balance {$0.00} XXXX XXXX XXXXBalance {$820.00} XXXX***Balance {$0.00} XXXX***Balance {$0.00} XXXX XXXXXXXXXXXXXXXXX****Balance {$15000.00} XXXX XXXX-XXXXXXXXXXXXX****Balance {$22000.00} XXXX XXXX XXXXBalance {$1400.00} XXXXBalance {$0.00} TXXXX****Balance {$0.00} XXXXBalance {$560.00} XXXXBalance {$750.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX**Balance {$1400.00} XXXX XXXX XXXXXXXXBalance {$910.00} XXXX XXXX XXXXXXXX***Balance {$340.00} XXXX XXXXXXXXXXXX*Balance {$1700.00XXXX XXXXXXXX***Balance {$1200.00} XXXXBalance {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new car through XXXX XXXX XXXX XXXX XXXX and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access