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

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XX/XX/XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

my HOMEOWNERS INS. JUMPED {$390.00} BASED UPON THEIR ADVERSE RISK REPORT TO INS. COMPANY. INITIATED A REQUEST FOR DISCLOSURE OF MY REPORT, ( A HARD COPY ) INSTEAD THEY SENT ME A LETTER WITH INSTRUCTIONS TO ELECTRONICALLY ACCESS REPORT, SAYS THAT I'LL BE ASKED TO ENTER A PIN #, WELL XXXX, NO WHERE IS IT ASKING ME TO ENTER PIN #. 
SO HERE IT IS SINCE XXXX XXXX AND NO INFORMATION!!
Product: Debt collection

Portfolio Recovery agent called today XXXX and asked for me by my maiden name. I asked who is calling and was given the name XXXX XXXX and she said she was calling in regards to a personal business matter and kept asking me to verify my name and I asked what office she was calling from in regards to what and XXXX XXXX was all she would say until I told her the name she was calling for was my maiden name then she told me she was with portfolio recovery. I have never had a voicemail left from XXXX nor have I ever spoken to her on the phone, she misrepresented herself to get me to confirm my identity without ever stating she was calling to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some extensive research on my rights as a consumer, it is to my understanding that you are in violation of the FAIR CREDIT REPORTING ACT on both these accounts. You have violated my rights!

15 U.S.C 1681 section 602 A. States that I have the right to Privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting Agency can not furnish an account without my written instructions. 15 U.S.C 1666B :
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am demanding this account be updated asap to PAID AS AGREED NEVER LATE ( PAANL ).
Product: Credit card

Opened Chase United Airlines Credit Card online responding to an offer for XXXX United points. 
Got card in mail, but it had my nickname on my card instead of my legal name, and the United membership number was also wrong.

It will not allow me to create an online account because of the name problem. NO idea where it got this nickname from. 
Called and they said to change my name to the correct name, even though it was their error, I had to go into a Chase branch. I did just that, and they told me I had to call the number I already called and have a form mailed. I waited for two weeks before I got this form, and they wanted me to use regular mail service to send the form, which contained my account number, all my personal information, and my social security number. I spent {$40.00} to have it overnighted to them. Never heard back, and nothing has been fixed. Then a week ago, the branch asked the escalation department to call me. I spoke with someone who said they would fix everything. Now, 5 weeks later, nothing has been fixed, I probably owe money but have no way to access the account or make a payment, and they probably send my bonus points to an incorrect United account. Nobody has called me, emailed me, mailed me a letter, or fixed the account, so I have ZERO access to my account, and I am sure they will charge me a late fee, but I don't have any way to access the account.
Product: Checking or savings account

Citi claimed they have sent a letter containing my account number on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any letter and I still don't know my account number that I opened more than a month ago.
Product: Credit reporting

I had a credit card with XXXX XXXX which had a charge for a service which I did not receive. I refused to pay the charge and closed the account. They show a charged off account on my credit report. This is a disputed charge for a service I did not receive and it should not be on my credit report. Though the amount was much smaller, XXXX XXXX kept adding interest and late charges and the total charge wound up to be {$550.00}. I was in a local hospital XXXX. During this time, I was XXXX got sicker as a result ... wound up sick for nine week. I called the hospital, complained and refused to pay my share of the bill ... {$150.00}. The hospital sent the bill for collection and it wound up on my credit report. XXXX these items are disputed charges which XXXX XXXX Bank, the vendor involved and the hospital have refused to dismiss even though they were not legitimate bills and should never have been due and payable. I have asked Trans Union and the other credit reporting companies to remove these charges from my credit report, but they consistantly refuse. My credit, which should be exemplary, has been destroyed for uears as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent TransUnion a letter disputing and laying out multiple errors in my credit file pertaining to a credit card account with XXXX XXXX  with an account number of XXXX. The account showed an incorrect balance of {$5500.00}, a past due amount of {$5500.00}, a payment amount of {$0.00}, and a date of last payment of XX/XX/XXXX. In addition, the account failed to note any previous disputes I had made, which is a violation of my rights. In my dispute letter, I included a settlement agreement with XXXX and cancelled checks showing I met the requirements and satisfied the full account balance. I received a response from TransUnion on or about XX/XX/XXXX that said a change was made to the XXXX account ; however, none of the items I disputed showed any changes. The account still showed a balance and past due amount of {$5500.00}, despite the fact I sent them proof showing that to be false. The account did not show any notation of my recent dispute or that it was settled.
Product: Vehicle loan or lease

Tried to reach Bank of America but put on long hold. Im receiving statements which are mailed significantly after the billing cycle ends which gives me little time to make the payments on time. Recent example : the statement date was XX/XX/XXXX but bill was postmarked XX/XX/XXXX. I received the bill on XX/XX/XXXX and the due date is XX/XX/XXXX. This gives me 2 days to get the bill paid!
Product: Mortgage

The below formal complaints are related to XXXX of Washington Federal Bank XXXX locate at the XXXX  XXXX branch, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Complaint # 1 - Releasing Unauthorized Financial Information without prior Consent On the XX/XX/2022 and XX/XX/2022 upon request of the sellers 's agent XXXX XXXX released our financial information without obtaining our prior consent as per the Arizona XXXX XXXX XXXX form Loan Status Update as described in section 37 below of the LSU form but importantly violating the Privacy Act and 6 U.S. Code 485 - Information sharing Complaint # 2 - Discrimination & Unfairly Treatment XXXX XXXX treatment and continued request of additional financial information has been very derogatory and discriminating to say the least. While we have more than over qualified for the loan on the basis of the financial requirements and required amount for the down payment ( nearly 2 times ) after showing our list of assets and bank statements, she and XXXX XXXX kept asking for detailed of outgoing transactions worth {$1000.00} with inquiring to explain what the payments were for instead of focusing on the account balance which shows more than enough funds required to cover the closing costs. In addition during the course of the loan application they have asked for numerous copies of our pay stubs. 

Complaint # 3 - Abusive and Threatening On XX/XX/2022, XXXX XXXX threatened to deny our loan application because I was asking too many questions as I was trying to better understand the requested information and respond appropriately and not just follow blindly their instructions. The same belligerent and abusive attitude toward us have been throughout the loan approval process. She called me on XX/XX/XXXX on my cell phone and in a threating and disrespectful tone to ask me to stop asking questions or risk having my loan application cancelled. 

Complaint # 4 - Lack of Disclosure information and Mis-representation When asked on XX/XX/2022 about clarifying question on the closing cost amount not reflecting the latest closing estimate she stated that the closing costs estimate she quoted in her email included six ( 6 ) months of reserve. However when reviewing the latest signed closing cost estimated none of such information was mentioned. Furthermore when we received the last final closing cost from the bank on XXXX and compared it with the subsequent closing statement from the title company it was completely different by {$850.00}. They omitted many key and important items. Again another mis-representation from XXXX XXXX and XXXX XXXX. 
This deceptive, wrongful and mis-representation was rampant during the loan process.
Product: Credit reporting or other personal consumer reports

I have voluntarily returned and surrendered my car in XXXX XXXX XXXX XXXX XXXXXXXX ( over 7 years ago!!!! ) Account or car was never in the REPOSSESSION Status!!! Account is CLOSED!!!! 
Mercedes Benz sold this vehicle on auction in XXXX XXXX XXXX  and applied last payment in XXXXXXXX XXXX XXXX!!!!! 
My own last payment was made in XXXX XXXX XXXX  (!!!! ) Mercedes Benz and Credit bureaus show account in repossession status and in voluntary surrender mode at the same time!!!! 
Mercedes claims that they have corrected everything to show Voluntary surrender and NOT a REPOSSESION but credit bureaus do not get their corrections Account also is TOO OLD to stay on my report its over 7 years since my last activity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a USPS Certified Letter, dated XX/XX/2018, that was addressed to EQUIFAX, because, on or about XX/XX/2018, I discovered that EQUIFAX had re-inserted two tradelines CHILD SUPPORT ENFORCEMENT and XXXX XXXX into my credit file that were originally disputed and deleted on or about XX/XX/2018. 

It should be noted that EQUIFAX choose to ignore and failed to respond to my initial dispute. To be specific, and according to FCRA 611-15 U.S.C. 1681i, EQUIFAX failed to provide me a letter in writing, a statement that the disputed information has been reinserted, not later than 5 business days AFTER the date of the reinsertion.

Proof that EQUIFAX did, in fact, receive my initial dispute : 1-Dispute letter, dated XX/XX/2018, that was addressed to EQUIFAX ( Page 1 and Page 2 ) 2-One US Postal Service-CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) 3-One One US Postal Service-CERTIFIED MAIL RETURN RECEIPT XXXX XXXX XXXX XXXX XXXX that was signed by EQUIFAX employee XXXX XXXX and dated XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cc : Consumer Financial Protection Bureau https : //www.consumerfinance.gov/complaint/ CC : Federal Trade Commission https : //reportfraud.ftc.gov/ # / CC : Office of the Comptroller of the Currency https : //appsec.helpwithmybank.gov/olcc_form/ CC : New York Attorney General Office https : //ag.ny.gov/complaint-forms I agent XXXX XXXX XXXX XXXX to the principal, XXXX XXXX, sent you a letter : document dated XX/XX/2022 to remove charge offs for accounts listed below : XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You, credit reporting agency, sent a response saying that the accounts were verified XXXX 

Pursuant to 15 USC 1681 ( i ) I agent, XXXX : XXXX, am expressing my consumer rights by demanding a description of the procedure of reinvestigation. In addition, I demand the answers the following questions : What was your method of verification? 
Who did you interview ( neighbor, family members and/or etc ) and what is the contact information ( phone number, email and/or etc ) and what was the interview date? 

Pursuant to 15 USC 1681, you have 15 days upon letter received to provide the demands stated above.

With Regards, Shaniqua-Ayesha : Rogers/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$27000.00} XXXX XXXXXXXX XXXX Balance {$400.00} XXXX XXXX  Balance {$220.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1000.00}
Product: Checking or savings account

On  XXXX / XXXX / XXXX , I received a summ ons from my county fr om  XXXX   XXXX   XXXX ,  XXXX  that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on  XXXX / XXXX / XXXX . A  Wells Fargo  business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open  the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into  the Wells Fargo  business checking account on  XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from   XXXX  on  XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation  session did n't take place.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from this, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts, Equifax has failed to conduct a legitimate investigation and correct false information that continues to be reported on my Equifax credit file. Time and time again, they have ignored me. These errors and FCRA violations are hurting my financial health, and I am demanding they be held accountable.
Product: Student loan

I started payments on the student loans XX/XX/XXXX to the U.S. Department of Education FedLoan Servicing. I was accepted in the PSLF program XX/XX/XXXX. One year later I received an email from XXXX stating that it has been one year since my Employment Certification Form ( ECF ) was approved. Reminding me of the need to make 120 qualifying payments and noted that I was not required to re-submit an ECF annually but said it would be a way for me to keep track of my progress.

Subject : Public Service Loan Forgiveness - Employment Certification Reminder Date : Wednesday, XX/XX/XXXX, XXXX XXXX It has now been one year since your last Employment Certification Form ( ECF ) was approved. Since this was the last approved ECF we have on file for you, we wanted to encourage you to submit a new one as a way to help you track of your qualifying payments toward Public Service Loan Forgiveness ( PSLF ).

As you may know, you will have to make 120 qualifying payments on your loans.

while employed full-time by an approved public service organization before applying for loan forgiveness. Although you are not required to re-submit an ECF annually, doing so will help you keep track of your progress toward PSLF eligibility.

by confirming that you are still employed with a qualified public service organization.

I was asked to submit another ECF even though I was previously informed that it was not required to resubmit annually, I submitted another ECF signed by my HR office in XXXX XXXX, then in XXXX I was notified there was an issue with the electronic signature, and I submitted another form from HR with a handwritten signature. However, my forgiveness date did not return to what was originally promised and Im really concerned as to why!

I have been employed with the Federal Government since XXXX with no breaks in service. I did not think it necessary to keep track of my progress if I remained employed and made regular payments. After forty-eight years of Government service, Im planning to retire soon and would like to know when this loan will be forgiven.

Now, after the loan was transferred to MOHELA, I was asked to provide another Employment Verification Form signed and dated from my HR Office. Also, Im seeing the loan witch I thought was combined into one loan is actually four separate loans for each of the four years my daughter was in school.

With the first one only to be forgiven at this time. And one and two more years for the other three.

Is there any way I can have these loans combined to one and maybe be forgiven. As I mentioned earlier, I am ready to retire.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that the recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing XXXX XXXX Credit Card as a " charge off '' when that account was SETTLED and PAID. Showing the account as a charge off is INCORRECT and fraudulent. Who the XXXX is in charge of TransUnion? XXXX XXXX? It is beyond ridiculous that I have to keep filing complaints against this stupid credit reporting agency that wields so much corrupt power over consumers.