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 : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan account with XXXX  is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX  loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX  response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that XXXX XXXX has filed for XXXX XXXX bankruptcy as of XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX. Despite this, you are still reporting an account from XXXX XXXX on my credit report with inaccurate information, including late payments. You are required by the FCRA to ensure that all information furnished is accurate, and you can not report this account without proof of accuracy from the company. Given that the company has filed for bankruptcy and has not provided proof of the account 's accuracy, I am requesting that you immediately remove the late payments and update the account to " paid as agreed '' due to the incorrect reporting. lease reference CFPB complaint XXXX to see the company 's response.
Product: Credit card

I made a {$1000.00} retainer payment on XX/XX/XXXX for an appraisal from a company named XXXX XXXX XXXX. Per Uniform Standards of Professional Appraisal Practice ( USPAP ) adopted by Congress in 1989, this entails reporting the findings and/value. I have not received an such report or information of any sort. 

In XXXX of XXXX, I notified Capital One that I wished to dispute the {$1000.00} charge as I never received any product or service. On XX/XX/XXXX, I received a letter from Capital One acknowledging they had credited my account during the investigation. XXXX XXXX XXXX responded. I submitted answers to his responses. On XX/XX/XXXX, Capital One notified me via mail that they had declined my dispute and billed me {$1000.00} again. 

Subsequently, I spoke with a Capital One representative over the phone. He voiced Capital One had sided with XXXX XXXX XXXX because I made the payment unconditionally. My contract reads " For services rendered by us, you unconditionally agree to pay ... '' I am disputing that services were rendered by the vendor, so that second part of this sentence requiting payment is not valid. Despite use of the word unconditionally, the contract sentence has a condition, specifically services have to be rendered. Yes I can agree to unconditionally pay for a XXXX, but it still depends on my receiving a XXXX. I have no evidence of any service being provided and have not seen any appraisal. Capital One does not seem to understand the payment without receiving product or service equates to a scam. 

XXXX XXXX XXXX also answers that he has financial dispute with a third party that I work with called XXXX XXXX XXXX. In his answers, he provides an email to this third party detailing his dispute. I don't feel I need to get involved in this and certainly should not be responsible for a dispute between him and a company not party to the agreement. The signed agreement is only between me and the vendor. His account status with another company not party to the agreement is not of my concern. Capital One wants me to address this. Why is Capital One holding me responsible for another company? 

In the end, the representative says they will not credit my account unless the merchant issues a credit because they have no way of recovering the {$1000.00}. I don't think whether Capital One will be made whole is how to fairly decide the outcome of a dispute process. 

To summarize, I entered into an agreement to pay vendor for an appraisal. I did not receive an appraisal. Capital One is aware of this and sides against my dispute for reason above as explained to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX AUTO ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$170.00} COLLECTION ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$160.00} COLLECTION ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$530.00} COLLECTION ). XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) .Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

my wallet was lost a few years ago and identity stolen someone has been applying for and using my credit for loans credit cards and other items. i have reported those items before and some are still on my report. I now have a freeze and fraud protection on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires on my credit report that I did not authorize. Ive also disputed the account as well. The company said that they will correct it. However they havent done so and will not get back with me. I filed a dispute. After later calling Equifax to check on the status, the rep & supervisor told me that the did an investigation and the other party did not respond but they will not delete the inquires although I did not authorize them and have proof. The rep and supervisor said that the are factual records even though the other party did not respond.
Product: Payday loan, title loan, personal loan, or advance loan

Albert has an instant withdraw from my personal bank at a percentage into their ( my ) account under Savings. When I realized this was happening I contacted them to have this stopped and to have the money transferred back to my bank account- Albert support provided directions on how to transfer it ( ie " link accounts '' ). I attempted to do as directed which was provide all bank statements but it has not worked after multiple attempts. I have told Albert support this and asked to have it transferred back on my behalf which they will not. I have also asked to have Albert send me a debit card on priority with tracking ( because now I do not trust them ) so I can extract the money myself but they will not do that, they still provide me instructions on how to do it. The instructions provided are not true to what I see on the app. I also have Albert Cash which is the loan amount remaining that needs to be transferred out as well since I paid the full amount back. Albert owes me {$3.00} Cash and {$39.00} Savings, totaling to {$42.00}.
Product: Credit reporting or other personal consumer reports

This company is inaccurately reporting on my credit report as my information was updated correctly and then later changed back to a previous status I do have proof of this matter. According to 15 U.S.C. 1681i I do the right to dispute incorrect information on my credit report I will also be getting an Attorny as I have already disputed the inaccuracies with the credit bureaus and the issue hasn't been resolved or the information continues to be reported incorrectly despite efforts, you have violated my rights under the Fair Credit Reporting Act ( FCRA ) under section 609 & 611, you also used defamation by damaged my reputation causing financial harm. I have attached the documents which shows proof that this item was paid using 1099 form and also indicating that you are constantly accessing my report as you went in and corrected the error, later going back in a second time and changing it back to inaccuracies being reported.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate and fraudulent information on my credit report as a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I am requesting the removal or correction of the following erroneous accounts and inquiries, which I believe to be the result of fraudulent activity. 

As a victim of identity theft, I have reason to believe these accounts and/or inquiries are a direct result of unauthorized access to my personal information. This claim is further substantiated by the recent security breaches involving XXXX and XXXX, where millions of consumers sensitive data were exposed to potential identity theft. 



The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed information on my credit report within 30 days of receipt of this notice. In addition, under 1681c-2, I am requesting a block of all fraudulent information resulting from identity theft. I have attached a copy of my Identity Theft Report and other supporting documentation, including : 1. A copy of my government-issued ID. 

2. A copy of a utility bill to verify my address.

3. A copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).

4. Police report confirming my identity theft claim.

In light of these breaches and my circumstances, I also request that the CFPB ensure XXXX and XXXX comply with their obligations under the FCRA to safeguard consumer information and rectify any errors arising from identity theft. 
Please investigate this matter thoroughly and provide a written response regarding your findings and actions. If the disputed items are not corrected or removed, I request a detailed explanation of the investigation process, as required by FCRA 1681i ( a ) ( 6 ).

Thank you for your immediate attention to this matter. I look forward to your response.
Product: Checking or savings account

Wells Fargo sent me an email notifying me that they closed my bank account and that they will not give me a reason for doing so. 

Ive been a Wells Fargo customer since 2003. This is unfair, I need my bank account open. Please help. Dont let them close it Routing number XXXX Bank account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/2021, I wrote to you requesting an investigation into items that I know for sure are inaccurately reporting on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. This was not done ; therefore, I want this information removed from my credit report for failure to conduct investigation within 30 days. Please be aware that you are in violation with not only the FCRA but also the FDPCA FCRA violations 1. Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

2. Failing to properly investigate or reinvestigate a consumers dispute. FDCPA 1. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector Also stop using stall tactics, such as you don't recognize me request or need authorization or I will pursue civil litigation against you!
Product: Mortgage

Chase has egregiously pushed HELOC Acct XXXX into foreclosure to capitalize and profit on the increase in home value. 

When Chase offers modification, it is a balloon modification seeking e.g. {$200000.00} from the consumer to accept the modification. 

Chase has FAILED to provide XXXX loan modification decision by XXXX for Account XXXX as stated in attached Chase documentation. 

Chase has BLOCKED online and telephone access to the account. When I call or write Chase they do not provide requested account information ( modification decision, HELOC loan payment history, etc. ) - Chase must provide HELOC loan modification decision.

- Chase must provide detailed HELOC loan payment history from loan inception to present. 
- Chase must give consumer access & all documentation for account for XXXX See attached documentation for evidence.
Product: Student loan

On XX/XX/2022 at XXXX, I faxed my Public Service Loan Forgiveness application to MOHELA XXXX XXXX. I have not received any confirmation it was received, and the deadline is fast approaching on XX/XX/2022. I tried registering on their website to send a message inquiring about it, but it gave me an error when I tried to register, and you cant send them a message without being registered. I then tried calling MOHELA and their phone system said that due to high call volume they can not accept calls and hung up on me. I have no way of knowing if they received my PSLF waiver application, which would be life changing for me if it is approved. Any help would be so appreciated. Thank you!
Product: Credit card

I was contacted by phone in the XXXX, XXXX area ( phone number : XXXX ) by someone claiming to be a Wells Fargo representative regarding collecting a debt. They immediately asked my for my credit card number, so I hung up.