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

This is my XXXX 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My checking accounts were hacked in XXXX. My bank ensured that all the checks that were cut before the hack took place were paid. My credit score dropped over XXXX points and my XXXXXXXX XXXX XXXX credit card in particular went down to a {$250.00} available credit balance. I run a business and use my XXXX 's club a lot and this is a huge inconvenience ( especially when I didn't do anything wrong ). My credit report does not show that a missed payment was made to any of my credit card but for my XXXX XXXX, but I have handled this with XXXX directly. I'm more concerned about how I get my credit card back to the available credit I had before my credit was compromised. The bank and XXXXXXXX XXXX XXXX told me to reach out to the credit bureaus which is what I think I am doing by contacting you. Thank you and I appreciate any help you can assist with regarding this matter. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off/Collection XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Personal Info : Also Known As : XXXX XXXX XXXX, XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Also Known As : XXXX XXXX
Product: Debt collection

IQ Data International has been harassing me since XX/XX/XXXX with repeated phone calls, sometimes more than once per day, regarding a debt I do not owe. 

I have sent letters with documentation to show I do not owe the debts, and they continue to harass me. I found out recently that they also reported the debts to the credit bureaus, which is negatively affecting my credit. 

I sent follow up letters demanding that they contact the credit bureau to remove the collections and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have a problem I really need your help with this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 Account name XXXX {$740.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Mortgage

about XX/XX/2022 i contacted Rocket Mortgage about refinancing we agreed to XXXX dollars take out they found a XXXX dollars loan during this process and promised me they would not pay this however they did but did not tell me. i did sign all documents but did not expect any thing but what they promised i never received any money all my numbers increased. i went from 4.7 interest rate to 5.2 and monthly payment from XXXX dollars to XXXX and payoff of XXXX dollars to XXXX dollars which has created a hardship with my creditors and people involved at Rocket Mortgage will no longer take or return my calls.
Product: Checking or savings account

I made a complaint with you about it.The complaint reference Is OMB # XXXX. 
The internet information that I depended on does not support their stand. 
I called XXXX XXXX, the lady who wrote a reply.But she Ins not calling back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exquifax credit score of XXXX is to low. My Credit Score should be XXXX or above. I feel they are Discriminating against me because I am XXXX XXXX.
Product: Checking or savings account

On XX/XX/2022, I requested a transfer of {$100.00} be made to my brother by his phone number in Chime 's pay or request to or from a friend option in their app. The app asks for either their email, phone number or XXXX ChimeXXXX  be entered. I entered my brother 's phone number and the amount and submitted the request. After the request was processed, a different name appeared. I contacted Chime right away to let them know that my request to send money to my brother 's phone number was sent to a stranger. Chime 's customer service representative researched the issue and confirmed that my brother 's phone number was associated with multiple different people and instructed I complete a dispute and to also send a request of the {$100.00} back from the stranger. I completed a dispute and was denied reimbursement of my {$100.00}. I also sent several requests to the stranger to send my money back as it was sent in error by Chime and the stranger has not responded to my requests. I called Chime 's dispute center and discussed my issue, explained to them that I had used my brother 's phone number but Chime had sent my funds to someone else. The representative explained how to appeal the dispute decision and asked me for proof that the phone number belonged to my brother. I appealed it and sent in my brother 's phone bill showing his phone number and name but Chime denied the dispute again. 

If Chime can not send funds to the correct person by phone number then Chime should not be allowed to have that option as a service to their consumers. Whatever information Chime has linked to phone numbers seems to be outdated and will cause consumers such as myself to lose money. I clearly followed the prompts in the app which indicated that I could enter an email, phone number or XXXX ChimeXXXX to send funds to and the phone number I entered was indeed my brother 's number. Chime sent my money to a stranger. I have proof that the phone number belongs to my brother but Chime refuses to reimburse me. 

When my brother 's phone number was entered, no name appeared so I confirmed three times that it was my brother 's phone number before I submitted it.
Product: Credit reporting or other personal consumer reports

This complaint serves as my formal request for a comprehensive explanation of how your investigation was conducted, along with your method of verification. As outlined in consumer protection laws, proper verification requires sufficient documentary evidence to confirm the accuracy of the reported information. Failure to review essential documents, such as an account application, constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as established in cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that your response include the following details : What evidence did your representatives uncover that led them to conclude the item is reported accurately? What certified documents were reviewed as part of the investigation? Provide a full copy of all information shared with the data furnisher during the investigation. What expenses were incurred by your company to obtain the necessary documents for this investigation? Proof of your timely acquisition of certified documents. Did you speak directly to any representative of the company reporting this information to verify its accuracy? If yes : i. Who was contacted? ii. What was the date of contact? iii. How long was the conversation? iv. What was the representative 's position? v. What telephone number was used? vi. What is the role of the employee from your company who contacted the representative? vii. How long has that employee been with your company? XXXX. What specific training was provided to this employee for handling investigations of this nature? ix. Were there any emails or written communications exchanged between your company and the representative? If so, provide copies of all related correspondence and documents proving that a reasonable investigation was conducted. Additionally, please provide : The date the delinquency began. The exact date when this item will no longer be reported. I also request a notarized affidavit affirming that all the information you provide is true and accurate, in accordance with my civil rights under federal law. This matter requires a detailed and specific response, not a generic form letter. My original dispute clearly addressed the account in question, and a template response will not suffice. If you are unable to provide all the requested information within the time frame specified by applicable laws, including the FCRA, I demand the immediate and permanent removal of this item from my credit report. The continued reporting of this erroneous entry is harming my credit rating and has caused significant financial and emotional distress. If you fail to provide either the requested deletion or the documentation supporting your investigation, I will enforce my rights through formal legal discovery and depositions. Please be aware that I am knowledgeable about consumer protection laws and civil/federal court procedures, and I am prepared to represent myself pro se to seek a jury trial if necessary. XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

In XX/XX/year>, I financed a medical device using XXXXComenity. I was told that I would have 12 months interest free and was approved. I received a letter in the mail with my approval, and stating that I would access an account online. From the very first day, I have never been able to set up an online account or access any online services because the website does not load and will not allow me to create an online account. When I called the number listed on the letter, I was told that they could not create an online account, but they could take payment on the phone in 3 month increments. I made an arrangement for a payment amount of {$370.00}. I again attempted to create an online account and set up automated payments, and could not. I received no paper statements, nor did I receive an electronic statements. I then received another phone call from XXXX that the " payment plan '' had ended and I needed to make a " new '' one for the next 3 months. I instructed the representative to again make payments in the amount of {$370.00}. Instead, the representative changed the amount and only debited {$120.00} from my account. When you call the number listed on the XXXX letter, you can not reach a representative. Now, they are saying that I am past the 12 month interest free period, and because the debt was not paid, they added on accrued interest in the amount of {$1100.00}. This has to be some of the most unsavory, unfair, deceptive and abusive practices I've ever seen. They say that you can access the account online, but that's a lie. They say that they will give you a payment plan, and that's a lie. Nobody speaks English when they call you, and when I asked for proof of payments made and how they were applied, I was told I could not have that. I then offered to pay the entire amount due and they said that I could not pay the full amount, I could ONLY make monthly payments. They can not point to anywhere that states there's the inability to prepay, or that there is a prepayment penalty. They are violating my rights under the FDCPA, under the FTC ACT, and they are generally criminal to deal with.
Product: Payday loan, title loan, or personal loan

XX/XX/2019. i was contacted by a representative of Cash Advance that I had a loan payment past due and was in collections.This loan was taken out without my knowledge or consent. 
The loan was taken out XX/XX/2019.
Product: Checking or savings account

In XXXX I opened a XXXX XXXX with a US Bank agent. I open this account for a {$500.00} bonus incentive. When I went to fund the account via XXXX it was rejected. I called US Bank only to learn that they closed the account ( I received a check book for this account ) without my knowledge nor consent. They then reopened the account again without my knowledge. I had to send in the signature card as there is no branch in NY. Then I funded the account with over {$7500.00} & did a direct deposit which was a requirement for the bonus. I fulfilled all the necessary actions for the bonus. I have called numerous times to inquire when I would be receiving the {$500.00} bonus, I was informed that I am not getting the bonus as this new account was opened in XXXX & the bonus was only in XXXX & XXXX. I was scammed as the original account was opened in XXXX & a US Bank agent added a new code ( XXXX ) to my account to insure that I got the bonus. I am a victim of fraud, & US Bank CEO ( XXXX XXXX ) ignored my emails. I would like you to investigate this issue as I am entitled to the {$500.00} bonus ( which is the only reason I opened this XXXX XXXX account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have visited XXXX of XXXX XXXX on XX/XX/2021 to shop for used cars. After I looked at a particular car, I was speaking with the sales agent about the final price. As part of the quotation, the dealer took all personal details from me including SSN. When the sales person requested my authorization to pull the credit report, I have straight away denied it and did not authorize a credit pull. Later after reaching home, I see a hard pull on my credit report from XXXX of XXXX XXXX which I have not authorized. I spoke with the manager at the dealership, who was falsely claiming that I gave authorization just by giving my personal details. More importantly, I suspect fraudulent activity as this was an unauthorized credit inquiry. 

Dealership : XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I was a victim of identity theft. I have disputed and provided the company with identity theft report, police report, and other items.
Product: Checking or savings account

In late XXXX, a person called Chase Bank pretending to be me. They asked for a replacement debit card to be sent to an address not associated with my account, a vacant house and hour away from where I live. This person also asked for the pic code to be delivered to that same address. Once this person got this card and code, they charged over {$1000.00} over two days. I saw these charges and cancelled the card immediately and told Chase that I did not ask for a card and I have never heard of this card 's account number. I made police reports to two departments and provided all of this information to Chase. Chase will not refund my money, even though it was Chase who sent out the fraudulent debit card.
Product: Checking or savings account

I am a XXXX veteran. I have been banking with Navy Federal Credit Union for 27 years. I received a letter saying that due to " unsafe '' transactions they will close my account. There is no explanation, no one will give me any information. I work on bases overseas in XXXX XXXX and use NFCU as my personal and business account. No information has been given about why, and I've been told there is no one who can explain or change this. The only explanation is " sorry ''
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was a mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always followed PayPal 's terms and conditions and have conducted all my transactions in a lawful and ethical manner. Therefore, I believe that this limitation is unjust and should be lifted. 

Furthermore, I believe that the limitation was placed on my account in error. I have not engaged in any suspicious or fraudulent activities, nor have I received any notification from PayPal regarding any unusual account behavior. I am confident that if PayPal re-examines my account activity, they will find that there is no basis for the limitation. 

I would like to take this opportunity to request that PayPal review my case and restore my account as soon as possible. I value my account and the services that PayPal provides, and I would like to continue using them without any interruptions. 

In conclusion, I respectfully request that PayPal re-investigate my account activity and consider lifting the limitation on my account. I appreciate your attention to this matter and thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding their handling of my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). This letter outlines the issues I have faced, which I believe merit your attention. 

Since XX/XX/XXXX, I have disputed inaccurate information on my credit report a total of 36 times. Despite my repeated efforts to resolve these discrepancies, XXXX has consistently failed to reasonably reinvestigate my disputes. Specifically, I have encountered the following issues : 1. Failure to Forward Relevant Information : XXXX has not forwarded all relevant information regarding my disputes to the data furnishers. This omission has resulted in the continuation of inaccurate information on my credit report. 

2. Inadequate Notice of Dispute Outcomes : On numerous occasions, I have not received adequate or accurate notifications regarding the outcomes of my disputes. This lack of communication has left me in the dark about the status of my credit report and the inaccuracies affecting my credit score. 

3. Unreasonable Procedures : XXXX has not utilized reasonable procedures to ensure the accuracy and completeness of the information in my file. As a direct result of these failures, collection companies have updated and re-reported inaccuracies, further compounding the negative impact on my creditworthiness.

4. Failure to Properly Investigate Disputes : Under 15 U.S. Code XXXX, XXXX is required to conduct a proper investigation of disputes. However, they have not fulfilled this obligation. Instead, they appear to be relying solely on the information provided by the creditor or collection company, without conducting a thorough review of my claims. 

5. Lack of Document Verification : Furthermore, XXXX has not pulled actual documents to verify the accuracy of the accounts in question, as mandated by 15 U.S. Code 1681. This lack of due diligence compromises the integrity of the credit reporting process and continues to affect my financial opportunities. 

The ongoing inaccuracies in my credit report have significantly hindered my ability to obtain credit, affecting my financial well-being and opportunities since XX/XX/XXXX. The persistent issues I have faced with XXXX violate the FCRA and the CFPA, as I believe they have acted negligently in their duty to maintain accurate consumer information. 

I kindly request that the Consumer Financial Protection Bureau look into this
Product: Debt collection

They said they are calling from Sunrise debt collection agency for a debt owed to XXXX XXXX for an XXXX XXXX. I asked where they were based out of and they said New York, but their area code was XXXX XXXXXXXX XXXX 
They have been repeatedly calling me without leaving a voicemail. 
I asked who I was speaking with and they wouldn't give me a name. I also asked to speak to the manager and said " hold on '' and never came back to the call. 
I do not own an XXXX XXXX. I asked what other information they had, they gave me an address for me and a date of birth and both were wrong. The only information they had was my name and my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. EQUIFAX MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX