23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We are victim of fraud check due to stolen mail via USPS postal worker ( s ) due to 11 pieces of mail missing on the same day 2/6. 

BofA - Check payee changed ( unreadable ) and deposited to another bank that BofA already know who it is. 
Claim # XXXX XX/XX/23 ch # XXXX {$11000.00} pay to XXXX XXXX. Proof of duplicate of original and the amount is exact to the bill. 

USPS post office has their own federal policing unit. Case # XXXX We were promised full provisional credit ( 3-5days ) but received less than half {$5000.00} until investigation is complete up to 90days. We need our full money back to pay XXXX. Its under their failed system to protect us from this happening. 
They claim to email the affidavit form but I was initially told it was sent to the online messaging. I ask them to resend via email or regular mail but it will take 5-10 business dayswhat a run around! 
We are victims, they know it, we have been valued customers for decades, and this is the service we received. 
Please help! 

Thank you!
Product: Payday loan

I received a payday loan from castle pay day and paid {$370.00} I called on XXXX/XXXX/2015 and asked what I needed to pay to pay off loan in XXXX payments. I was told I could pay XXXX on XXXX and next pay XXXX in next two weeks. Then I was contacted an hour later and was told that I would need to pay another XXXX. 
I do n't have a problem with paying off the XXXX however I do n't think it 's fair to pay twice as much from what I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a debit card for a checking account with chase that I did not open on XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to XXXX and TransUnion on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against XXXX and TransUnion if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND LEXIS NEXIS ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND LEXIS NEXIS WILL NOT OR HAS NOT SEALED MY LEXIS NEXIS REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. 
XXXX XXXX. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. 
AS STATED IN THE FCRA.
Product: Debt collection

Despite sheriff report regarding felony identity theft, which was furnished to Transunion, they attempted to collect on behalf of creditors anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, and 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 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: Credit card or prepaid card

I was offered a credit card machine through XXXX XXXX XXXX for my small business. I was approached with this offer by a salesman at my place of work in XX/XX/XXXX ; I did not seek it out. The XXXX salesperson showed me the cost of the machine, but he did not mention that I would be leasing it from XXXX XXXX XXXXXXXX. I found this out when signing the paperwork.
<P/>In XX/XX/XXXX, XXXX closed my account because my business was classified as a money service business. Nothing about my business practices had changed, so XXXX should have known this classification from the beginning. With the XXXX account closed, I was no longer able to use the credit card machine. However, XXXX XXXX XXXX would not allow me to cancel my lease, despite sending the equipment back in XX/XX/XXXX. My options were to continue leasing a useless machine for three more years or to end the lease by paying an opt-out fee. In order to end the lease, I was required to pay more than five times the total market value of the credit card machine even though I was not the party who had closed the original account. <P/>While I was disputing this with First Data, they sent the balance to collections which put a hold on my business credit line. <P/>In conclusion, I was misled by XXXX bank on multiple counts : 1 ) Leasing the device from a third party and 2 ) my business ' eligibility for an account with XXXX. I was then bounced between XXXX and First Data customer service, and then ultimately frustrated by First Data 's unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiry on my credit report & I've never had any dealings with these companies so something not right & the contact info for Sun Loans is incorrect because the phone number is out of service. The companies or Sun Loan & XXXX XXXX XXXX.
Product: Mortgage

To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial CorpXXXX no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. 

First Franklin Financial Corp., a subsidiary of XXXX XXXXXX/XX/XXXX Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. 

Please note we do not have a Bank of America account number. 

This is added information to the prior complaint that I have filed on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On the dates of XX/XX/XXXX, XXXX through XX/XX/XXXX, I was purchasing a vehicle. The seller of the vehicle had a listing on XXXXXXXX XXXX XXXX stating he had a XXXX XXXX XXXX for sale. In his listing it read 6 month/ XXXX mile warranty included XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXXotally loaded with all options XXXX miles -Clean title -No issues -Runs and looks great -New spark plugs and ignition coils XXXX horsepower {$13000.00} No trades, low ballers will be ignored The car ran fine for the XXXX XXXX and shortly after the sale, the car had problems. I reached out to the man selling me the car when it started having problems. I asked for some money back as I wired money to him through Zelle. He said he would be willing to help me out then blocked me. XXXX finally making the rest of my trip home, I found out from my trusted mechanic, that there was major internal problems with the engine of the vehicle. I didnt reach out to Zelle for help acquiring money back from Zelle XXXX I read that once money is sent, I can not get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Equifax XXXX XXXX has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, i have not recieved any response up to this date. On the other hand, inaacuracies about my Inquiry is continously reporting on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you
Product: Debt collection

XXXX filed a judgment on me that was not properly served to me. I own this company nothing. They are saying I owe them {$990.00}, which I do not. The judgment was not properly served by a HUMAN, I received this in the mail, never receiving any statement from the court system saying when my hearing was scheduled for, so I was not able to properly represent myself. This debt is absolute bull. I owe this company not one penny! They have harassed me, refusing to provide me with proof that I signed a document indicating I owed money to XXXX. This is absolute robbery and I am requesting something to done to these criminals for taking money from hardworking people to benefit their corrupt business.
Product: Checking or savings account

I went to the Union Bank branch in XXXX, CA to close my checking account as the bank 's products and services do not meet my needs at this time. The branch manager told me the teller could close it. I sat down at the teller window and the teller said " okay its closed '' and I left. 
The account was still reflecting as open online so I called the 1800 number and the rep confirmed the account had not been closed. The rep on the phone said he would close it. 
The account is still showing as open online today.
Product: Student loan

I have appreciably {$95000.00} in student loan debt. I have been on an income based repayment plan for many years, and renew it each year by providing my tax returns and/or pay stubs. 

My income increased last year. I filed the paperwork to renew the income based repayment plan, aware that my monthly payment amount would increase. I was surprised to find howeveer that my payment had increased to 400 % of the prior year 's amount. Because I can not afford the newly recalculated payment, and because Navient 's website states that it will work with borrowers who are having trouble paying, I reached out to see what could be done. 

I informed the company that I was willing to extend the term of my loan or look at any other options that would prevent me from defaulting. I was told that my income based repayment could not be adjusted. In an online chat with Navient. was told that I could call the company, make a payment of whatever I could afford in order to exit the income based program, and then the company would help me enter into another payment plan ( such as an extended repayment period ) that would help me afford my payments. I called the company to do so ; and was told that I would need to make an immediate payment of $ XXXX in order to exit the income based plan and to even see what my options would be under another plan. Shocked, I said that I could not afford $ XXXX immediately. The representative suggested I enter forbearance on my loan. Because I could not see another way to avoid default, I agreed to enter forbearance. 

Because I had received conflicting information from two different Navient representatives, I called the company again. I explained that I wanted to make the payments that I could, that I did not want to be in forbearance, and asked that they please help me enter another plan. Again I was told that I would have to pay $ XXXX in order to even see my other options. 

At this point I am still in forbearance although I am paying what I can on a monthly basis so interest does not continue to accrue, but this is not a long term solution as forbearance is limited.
Product: Credit reporting

I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX XXXX at XXXX barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and will be placing credit locks on all bureaus. The following inquiries are fraudulent and not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Attempting to find out information on Citibank and XXXX XXXX XXXX 's policies on loaning firearms manufacturers funds for business continuity. If these institutions are following thinly-veiled threats from anti-Constitutional politicians, how do we proceed to protect ourselves from abuse?
Product: Bank account or service

I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt.
Product: Credit reporting or other personal consumer reports

I request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Debt collection

Hello This company name CBE Group keep calling me several times a day without leaving any voicemail messages. I called the company to ask why are they calling me. The Agent refuses to tell me why they are calling me or what for. I feel i'm being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

my name is XXXX XXXX XXXX i have gotten a letter from bayview loan services # XXXX saying i owe more than XXXX dollards inclue taxes not true i pay off the taxes early this year i do will not pay what they ask i have a new mortage rate signed, notary new amount starting XXXX 2015 rate of 2 % -i am asking that you do your job and check u r suppose to help people but u have done nothing for me if i can every get thru to XXXX radio station i will tell him u have never help me even though he speaks about the company all the time on his show XXXX radio if u do not believe me u try getting thru and speak to XXXX tell the bayview i need them to check their info in system b/4 sending out letters i will only pay new payment, taxes not due till XX/XX/XXXX i will not pay any more if due then i will pay.thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE this INACCURATE information from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, They have 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 an account without my written instructions
Product: Credit card

I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! 
What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. 
I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion concerning their failure to respond to my dispute, which was mailed via XXXX certified mail, tracking number XXXX, and delivered to TransUnion on XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ), TransUnion had until XX/XX/2023, to investigate and respond to my dispute. However, to date, I have not received any response from TransUnion, which is a direct violation of the FCRA. 

The dispute I submitted to TransUnion concerns inaccurate and incomplete public records that they are reporting for me, specifically under the reference numbers XXXX and XXXX. The details of the inaccuracies are outlined below : Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, XXXX amount field, Blank plaintiff field, XXXX internal notes. 

Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, Blank amount field, Blank plaintiff field, Blank internal notes. 

I have made a diligent effort to dispute these inaccuracies in my credit report with TransUnion. However, despite the legally mandated XXXX window for investigation and response, TransUnion has XXXX to comply with the FCRA guidelines XXXX