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

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX Opened XX/XX/XXXX for XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX for {$820.00}, XXXX XXXX Opened XX/XX/XXXX {$300.00}, XXXX XXXXXXXX Opened XX/XX/XXXX for {$200.00}, or XXXX  Opened XX/XX/XXXX. 
Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX TX XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact Information	XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXXXXXX  XXXX XXXX XXXX  
XXXXXXXX
XXXX XXXX XXXX/XXXX XXXX  
address: not mine XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Debt collection

I toke out a loan in XXXX of XXXX with XXXX XXXX XXXX in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX XXXX XXXX XXXX ), my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ Global ext XXXX and then {$1700.00} amount from XXXX with Global. I looked on XXXX XXXX XXXX website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXX XXXX has been rude, threatening, and has harassed my family regarding a personal matter.
Product: Debt collection

a credit card opened for {$600.00} USD with capital one credit card was opened, never been paid, became over due with interest fee 's compounding. it eventually went into collection. I tried to dispute this charge and when I call the company they do not have this account on file. I am certain this is fraudulent activity. total fee 's are at {$780.00} USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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 card or prepaid card

I have had the Chase XXXX XXXX card for a little over a year now, and use it for my XXXX purchases. As I do with all my cards, when I make a purchase, I pay it off immediately. I hav never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 

Without notice, without reason, and without response, my account was closed. ( Along with My other Chase accounts ). I am a recent XXXX XXXX, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know exactly how long the account has been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a address added to credit report from credit card company from another state. And credit card was opened to that address. Tried to call credit card company but they would not let me do anything because I did not pass security questions that were entered. XXXX XXXX XXXX. I have already contacted Experian and put a fraud on this account. I have never lived in Minnesota
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian with documentation showing the inaccuracies between the 3 bureaus on XXXX XXXX XXXX, XXXX : in XX/XX/XXXX Experian is Showing 30 days late/ XXXX is showing 60 days late/ XXXX  30 days late XXXX On XX/XX/XXXX the dispute was opened and on XX/XX/XXXX, my dispute was UPDATED and completed with no changes even pertaining to the payment history only a change to the balance which was not even part of the dispute in question. This is a blatant inaccuracy and I am entitled under the FCRA a COMPLETE and ACCURATE credit report. If Experian had done a proper investigation which I don't believe that they even did one, they would have seen this. Anyone with eyes can see this. Experian DID NOT do a PROPER INVESTIGATION which is a FCRA violation I have yet to see the results of their investigation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, IL 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has wrongly reported 2 hard inquiries dated XX/XX/2019. Remove the two hard  inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX XXXX  To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a
) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I closed my account with US Bank however, my employer, on XXXX XXXX deposited a check into that account that I no longer have access to. What the bank was supposed to do was reject that money and send it back to my employer so that I can receive it. However, this didnt happen instead, whoever was in charge of closing my account did not do it properly and they took my money and I had no knowledge of it. So I tried to resolve the problem by calling their customer service and they just keep transferring my calls and hanging up on me. So then I went to a US Bank office where the teller tried to help me and locate my money and he was able to call someone and they told him that the money was somewhere in their system somewhere in their accounts that they had to look for it and basically just dont know where my money is just that they have it. Now I keep calling and asking for update, but they just been very unhelpful and dont seem like making an effort to return my money and the amount of the check was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX  inaccurate reporting of a eviction Case No. XX/XX/2011 XXXX XXXX that was in Fact dismissed this account is older that 7 years. I have suffered the denial of a apartment and fair employment due to the non updated information in the database at XXXX.
Product: Student loan

Borrower Defense Application XXXX - XX/XX/XXXX I received a letter from the Department of Education alerting me that me student loans will be discharged in accordance with Exhibit C of theXX/XX/XXXX XXXX lawsuit that I was a full class member of due to the date of submission of my XXXX XXXX XXXX and the school I attended was on the list of for profit institutions that were being accused of misleading students in their loan applications and job placement assistance. 

I was also a part of the XXXX program and my loans were transferred from first Aidvantage to XXXX in XXXX, then from XXXX to Mohela in XX/XX/XXXX. I applied or XXXX XXXX on XX/XX/XXXX through a third party called XXXX XXXX XXXX which charged me XXXX to file a borrower defense and then input the wrong dates during submission. I attendedXX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX while taking a semester off around XX/XX/XXXX. My notes reflect the correct dates in the XXXX XXXX XXXX XXXX XXXX XXXX application was approved and as of XX/XX/XXXX my student loans are paid off and off my credit report, however I only recieved a {$200.00} check from XXXX for a payment I made them, and not the {$4700.00} I paid through XXXX when I was under the XXXX program. XXXX never transferred my loan payment history to MOHELA, and I never paid anything to MOHELA due to being in Forebearance from XXXX until the loans were paid off in XXXX, and there never had a payment history with MOHELA. 

When I go through the payment history from XXXX they show that amount of {$4700.00} was refunded to me, however instead of issuing a check to me, MOHELA instead applied the refund to the loan balance and lowered the loan balance instead which is in direct violation of the instructions from XX/XX/XXXX XXXX who is presiding over the XX/XX/XXXX XXXX XX/XX/XXXX. All refunds are to be issued in check form from the Department of the Treasury unless a borrower wants it applied in another format. 

I have attached my Borrower Defense Application, XX/XX/XXXX History, and my XXXX XXXX XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was charged off on XX/XX/XXXX but still reports monthly late payments Nordstrom was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX performs their escrow analyses for Minnesota ( and multiple other states ) in XXXX - long before my annual insurance premium and property tax figures are received - and perennially takes MONTHS to effect corrections to my monthly mortgage payment to reflect the changes I report to them.. changes which SHOULD reduce my escrow amounts and ultimately lower my monthly mortgage payment. 

To date - despite multiple calls and online correspondence ( providing ample documentation evidence of the reductions )- they have yet to implement those reductions, and have added a new twist : Subsequent to each escrow correction request I have submitted, XXXX added irrelevant and inflammatory retaliatory remarks to my credit bureau report, which have negatively impacted them by lowering my scores by up to XXXX points - despite repeated pleas to cease-and-desist ... asserting falsely ( via recorded telephone calls ) that they do NOT add such remarks- which is patently untrue, and for which I have substantial documentation from those credit bureaus ( see attached PDF ). 

In one recent instance, instead of removing those remarks, they " doubled down '' - adding a duplicate of the initial offensive remark ( " account information disputed by consumer '' and " consumer disputes this account information '' ) And - at the one bureau where they'd actually deleted the remarks- they " retaliated '' in response to my phone calls and once again added the remarks ... negating the XXXX points previously restored, and once again further damaging my score with another decrease of the same amount. 

I can not believe that I am the sole recipient of such retaliatory actions, which for all intents and purposes appear designed solely to discourage ANY requests for escrow adjustments.. and firmly believe that you may find others who've suffered similarly? 

Subsisting on a social security XXXX income, I can not afford their continued collection of excessive escrow sums... and I most certainly can not allow this continual retaliation and assault on my credit bureau scores to further damage my existing and potential credit accounts! 

Thank you for your compassionate consideration.
Product: Mortgage

XX/XX/XXXX, I filed a complaint against Nationstar. Please see Case number XXXX. In the meantime, the property in question was listed for sale with a local realtor. After over 300 days on the market, we were able to find an interested buyer. Nationstar was informed that a short sale buyer was interested, and the realtor followed the instructions of Nationstar. I also submitted all documents requested by Nationstar. Recently, I was notified by Nationstar that the short sale was denied because the application was incomplete. I have attached a copy of the letter sent by Nationstar.
Product: Debt collection

CMRE Financial Services , Inc has committed multiple violations and mistakes in my credit reports. CMRE has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date opened : XX/XX/2018, original balance : {$2700.00}. 
2. Account number : XXXX, date opened : XX/XX/2018, original balance : {$260.00}. 

CMRE is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill Medicare insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital overbilled and made me agree to take more expensive procedures than needed. 
I was grossly overbilled for what was one hour visit. 
Unfair business practices and negligence. 

I just want a fair solution and get these accounts removed from all 3 credit bureaus asap. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is falsely reporting late payments. 
XXXX XXXX XXXX  has acknowledged this MULTIPLE TIMES IN WRITING Yet continue to falsely report late payments that were NOT and there is PROOF. 
The credit reporting agency is now also liable to falsely reporting this. 
{$1000.00} plus daily punitive and actual damages. Including mental anguish. 
Now ALSO flase reporting to Transunion
Product: Checking or savings account

My husband and I deposited a {$4200.00} treasury check into our checking account via mobile deposit. ( This is a valid check- its a tax refund from XXXX. We used the treasurys check verification system website at XXXX XXXX XXXX to verify it before depositing it. ) Ally placed a 5 business day hold on the check, even though their terms and conditions state treasury checks are available on the next business day. The hold reason states the following : There is inconsistent information on the check you submitted. I called in and asked what information is inconsistent on the check. They told me they couldnt tell me. Later, a different associate told me the check image isnt clear. ( That is not true. I can see all the check identifying information in the image in my checking account. ) I asked if I could send a clearer image. They said no. Two other associates told me that Ally places a 5 business day hold on ALL treasury checks as a general fraud prevention measure. One of those associates told me that even if I mailed the check in ( to an address in Pennsylvania ), the 5 business day hold would be placed. I asked if someone could go to the treasurys website and verify the check so the hold could be released. They said no. I escalated to the highest level I could- in all cases, I was told there is nothing we can do except wait the 5 business days for the hold to removed. ( My husband and I have banked with Ally since XXXX. We regularly receive direct deposits, our account is not and has not been overdrawn, this check has not been returned unpaid, the check was not over the large check threshold, and weve had no issues with our account until now. ) Ally is an online bank. It has no branches and does not accept deposits via ATM so there is no way for me to deposit the check in person. Ally is placing 5-day holds on treasury checks in bad faith whether they doubt the collectability of the checks or not. ( There are many complaints just like mine on the CFPBs website and on XXXX. ) This practice is unethical and goes completely against the XXXX  of XXXX. CC funds availability requirements for government checks. In my case, Ally has no reason to doubt the collectability of the check when there is no indication the check wont be paid and when they can easily go to the treasurys website to confirm this is a real check. Ally is actively harming its customers by preventing them from accessing their funds in a timely manner and is deceiving its customers by stating treasury checks are available on the next business day when their practice is to hold them for five business days.
Product: Mortgage

BBVA Compass Bank has changed my monthly mortgage amount every since loan origination. They estimated my property taxes based off of a parital year payment. When My monthly mortgage went down, I called them up and asked if there had been some mistake. I was assured that there was no mistake and that this was the correct amount for my mortgage escrow. 1 year later I had a {$10000.00} dollar shortage. The bank then blamed me for the mistake and I have been paying off the shortage over a spread of 5 years. Every year I have to submit new documents or the mortgage amount will go up ( which I have done every year ). I recently changed insurance providers and my premium is half of what it was. The bank removed the shortage spread ( even though I have a current shortage spread submitted to them in XX/XX/2016 ) and debited the new amount from my bank account. And so with a reduction with my insurance premium they have INCREASED my monthly payment, removed my shortage spread ( that I was alread approved for ) and debited the money from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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 allege identity theft, not later that 4 business days after the date of receipt.

it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!