23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've been robbed, and my home has been broken into. All of my Identification was stolen. I sent the police reports to the credit reporting agencies to make them aware of the matter. Also, I got on the court docket to inform the court system as well. The judge ordered that these fraudulent trade lines be removed from my credit report, due to identity theft.I submitted a copy of this document to them as well. I 've disputed a judgment, someone wrote a check from my checking account with out my knowledge or consent, at XXXX XXXX XXXX, account number # XXXX. I 'm on my fourth round of thirty day of the dispute process. The supervisor called the court to verify the court document, I submitted, to make sure it was a true document signed by the judge. He indicated to me, that he would take this item off my report, if he could verify the document, and he did. But, as of to date, this item still remains on my credit report. The credit reporting agency " Experian Credit Reporting Agency '' has on file which has been verified from the circuit county courts that this item dose not belongs ' to me, and still they refuse to remove the item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any response from these accounts I submitted for disputes : XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Debt collection

I was informed by one of the employees and XXXX XXXX that that had had computer problem and that they reported old info and paid info to the credit unions on account they should not have. I have also notified them that they were not to call my personal cell and XXXX XXXX continues to call my cell ... .XXXX has informed me that they do n't work with Advanced Bureau of Collections located at XXXX XXXX XXXX XXXX Ga XXXX XXXX.
Product: Student loan

After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up!
Product: Credit card

Sent certified letter like they asked with proveing death of my step father and papa and was told bye a cap one rep late payments would be removed from all XXXX credit company 's on XXXX XXXX he insured me of it a few times
Product: Checking or savings account

I orderd a replacment debit card from Wells Fargo and received a confirmation from Wells Fargo that it was ordered. I escalated to XXXX at the Executive Desk and she is refusing to send a Debit Card. Please send Debit Card and PIN. 

Subject : A replacement card was requested From : Card Services XX/XX/2020 XXXX XXXX Contact Us A replacement for your card was requested A request was submitted online to replace your DEBIT CARD. 
Card number XXXX Requestor name XXXX XXXX Reason LOST Shipped To Address on File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You will receive an alert after your card is shipped. 
If you have questions or believe this request was in error, please call us at XXXX ( XXXX ). We are available 24 hours a day, 7 days a week or contact us by secure email. 

XXXX
Product: Credit card or prepaid card

My Amazon Prime Store Card offers a 5 % cash back for purchases made in the prior billing cycle. After the latest billing cycle that closed on XX/XX/2020, I had earned {$46.00} in cash back, which I decided to apply as a statement credit on XX/XX/XXXX, I got a error message from the website ( https : //www.synchronycredit.com/ - the company is the issuer of the Amazon Prime Store Card ) saying my rewards balance couldn't be applied because of a technical error and to try again later. So I tried again a few minute later, and it appears the system had accept my request to apply the {$46.00} as a statement credit. 

However when I checked the account the next day, it had not been applied. 

So I called customer service ( XXXX ) XXXX ) on XX/XX/XXXX at XXXX and a representative said they acknowledged the issue and told me it would be take care of. 

The next day, it was not fixed, so I called again ( XX/XX/XXXX ) at XXXX and the representative told me they were sorry it wasn't fixed and they see the problem, and will take care of it, and it should be fixed by tomorrow. 

But again the issue was not resolved. So this time I reach out the Synchrony customer service team on XXXX. I was finally able to speak with a representative on their XXXX care team ( XX/XX/XXXX ). I explained the issue again, and she told me they would take care of it and she would follow up with me in a few days. I didn't hear back, I reached out again, and they told me they would call me in 24 hours. They didn't do so. 

Trying to resolve a simple mistake on their end shouldn't take multiple phone calls, and hours of my time to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Target card services on XX/XX/2022 at XXXX after receiving a letter stating that they are denying my dispute claim after their investigation. I reached out to asked what other supporting documents that I can send for proof of identity theft and fraud as I was suffering from XXXX XXXX  XXXX and XXXX during the time accounts was opened in my name by my caretaker 's daughter.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I had a direct deposit from XXXX  XXXX XXXX XXXX in the amount of {$10000.00} for back pay of Missouri Unemployment claim. Transaction ID # XXXX when I attempted to use funds paypal advised me that my account was limited and to send in a copy of my ID and to verify previous transactions on my account, which i provided all information they requested. I was then advised my account has been closed and I would need to wait 180 days before my funds would become available to me. I attempted to contact customer service multiple times which took my entire day. I spoke with an employee named XXXX emp id XXXX who refused to transfer me to a supervisor and after a hour of refusing ended up hanging up on me. I then spoke with XXXX who transferred me to a supervisor that refused to provide me his name and wouldnt answer any of my questions and hung up on me again. Im demanding that my balance of {$10000.00} to be released immediately so im able to move the funds out of that account and permanently close my account with paypal. This has not only caused problems with previously arranged payments but also has caused a problem with receiving payment for multiple jobs. I will NOT wait 180 days until they release my funds when ive not been given a valid explanation of why they are holding my funds. I expect my funds to be released within the 15 days of my complaint.
Product: Debt collection

Capital Services has called myself, family members and friends. Not sure how they got the numbers. Threatening to serve documents and take legal action for a debt.

I called to ask about the debt all they would tell me is it was from XXXX. I asked name of company I owed a debt and he said alphabet company meaning they own lots of loan companies, he would never tell me who I owed. I asked him to mail Me copy of document he refused. He refused to tell me who I owe. Only if I dont pay I will be served. I asked him to verify who he was by asking office location he would not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$470.00}, Account Name XXXX XXXX XXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 report number XXXX 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 or other personal consumer reports

I have communicated with this company on multiple occasions explaining that I did not open this account nor did I ever receive any cards from them. I need this account removed from my credit report immediately as it is hindering me securing XXXX for me and my XXXX children. I am trying to move forward with my life.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have violated many of my rights. To start, there are many inaccuracies in my credit report such as different dates of birth, addresses that I have never been associated with and different addresses for my current address, payment dates and original balances for multiple accounts, payment histories, opening dates etc. I will provide the first XXXX pages of my credit report as an example. If needed I can send the full report. 

I have never received any options or notices informing me of my right to be able to opt out of disclosures and preventing most third party affiliates from accessing my personal information through financial institutions. Not to mention that my transaction history has been made available when it shouldnt have been reported. 

Charge offs still remain on my credit report when I am well aware of the fact that they are now Certificates of Indebtedness and considered income which also should not be on my report. 

These are violations of the Fair Credit Reporting Act, and the Privacy Act of 1974. 
15 USC 1681 A, B 15 USC 6802-6805 16 CFR 313 & 16 CFR 433s 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7 Section 3711 e of Title 31 of the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Mortgage

This is an addendum to compliant # XXXX. 
I have submitted the Sales Offer dated XXXX XXXX, 2016. 
Chase Bank , N.A . has failed to review my short sale request in the required number of days and has been unresponsive to my requests for a representative to contact me regarding the status of the review. I am extremely dissatisfied with the service I have had from Chase Bank. 
I have called multiple times and have had broken promises from the representatives. Nearly every time I call, there is a different person assigned to me. Nobody knows why it is taking so long. They keep saying it is in the final stages of review. They say that they have 5 days to review it and when I call on the 5th day, they say they did not have enough time to get to it. I believer that they are being negligent in having insufficient number of staff, not training staff, not sticking to their SLAs, refusing to have the staff provide me with information requested ( I requested the mailing address for their complaints department and they gave me a fax number. I requested an email, and they said they do not have email, but then they said they would email someone in another department ). They are violating the rules about resolving disputes in a timely manner, rules about prompt decisions on loss mitigation options, and just basic good banking practices. They are running up the servicing fees on my account which is unfair to me. This looks like a UDAAP infraction because I have been misled as to how much time it will take to review my short sale packet submitted in XXXX and it is causing financial damage to me. 
I have not kept up with all of the names of the people they said were assigned to me, but yesterday, I was told that their names are XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Of 2022 I filed a dispute stating that the information was unverifiable an miss informing an its being reported to my credit report without my consent
Product: Mortgage

I am currently building a new house and had authorized my builder and their lending company to perform a hard credit pull back in XXXX ( XX/XX/2021 ) which they did. The problem I have now is they have done another hard pull on XX/XX/2021 without my consent and without informing me. I want this to be taken back and delete the hard inquiries from XX/XX/2021 from my accounts. 

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

I mailed certified letters to TransUnion XX/XX/2022, which was received XX/XX/XXXX at XXXX and XXXX, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have 30-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the FCRA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under the law - 15usc1692cc it states clearly- if a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications.
Product: Debt collection

Midland Credit Management reported a debt of {$840.00} to my credit, and despite reaching out via phone and email, I have received no response. I have disputed this through XXXX XXXX XXXX times and also submitted disputes through XXXX, XXXX, and XXXX XXXX times, requesting validation of the debt and a Certificate of Validation of Collections. Although the disputes have been marked as validated, I have yet to receive any actual validation documents. This issue remains unresolved and has been in dispute for over 60 days.
Product: Debt collection

I sent a letter on X/XX/17 asking this company how they have came up with the balanced owed. I also asked for a contract that i signed with them saying i owe this debt and I did not receive a contract. I have never heard of this company and I do not owe this company. How do a company report late payments in the payment history when you never even had an account with them. This company is taking away my rights and is a violation of FDCPA.
Product: Debt collection

CAPITAL ACCT is claiming that I owe them {$580.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Student loan

I tried to put my loans into the income driven repayment plan before my payment XX/XX/XXXX. They never got back to me about approving it or me not getting approved for it. Instead they totally and completely ignored my request and kept billing me. I 'm up to about {$600.00} now for 2months payments and they keep harassing me through my email. I have n't heard anything from anyone except Your loans are past due and your account requires action. I 'm fed up with these people! It 's going to make me go into default and then be in bigger trouble or force me to go into forbearance which I do n't want to do!
Product: Money transfer, virtual currency, or money service

XXXX of this year I had a bank account checking account ( XXXX ) closed with first United Bank and trust XXXX XXXX Oklahoma XXXX anyways I had done a job for a gentleman long story short you know paying me with a cashier 's check from a XXXX bank anyways I deposited the check on the XXXX of XX/XX/2023 ( it was credited it was credited to my account I left it in there for as long as the bank teller told me to. But anyways as soon as I withdrew a cashier 's check worth {$2100.00} the bank proceeded to call me and tell me that it bounced now I just don't understand that because that machine that they run it through should have caught it right away like I've seen scam checks go through the bank and the bank never credits the account if it's a scam check so my my whole argument but this is why was it in the green why was it credited to my account if it was fraud? First United Bank and trust company XXXX XXXX has been very rude threw this whole ordeal I do construction I don't deal with money like that you know I did a job somebody paid me I deposited it and I spent the money of course it's not my job to catch a scam it's the bank 's job I mean really when you get down to the nitty gritty the bank gets the money from me and any other individual that does business with them so I just I would like this whole deal cleaned up and fixed so I can open a business account and get a business loan and continue my life thank you very much that's all I've got to say if you need my input for anything else you have my credentials
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX where I highlight all the violations on every single account. 

-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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

For my previous complains/requests for US DirectExpress , I requested to get all my money back, then, close my account. On XX/XX/2024, I emailed DirectExpress to ask them to close my account. No response. 
We feel that we should request through CFPB. 

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

XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, transunion, or XXXX due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Finance is reporting inaccurate information to my XXXX  credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate
Product: Credit reporting or other personal consumer reports

RE : Dispute of 30 day late payment Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account XXXX : XXXX XXXX  Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made a full payment on XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing full payment means that I was not late. I kindly request that you delete the 30-day late payment reflected on my report, to accurately show it as payment made on time.