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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting or other personal consumer reports

I'm the victim of identity theft I've been disputing things for over almost a year now and I'm getting real aggravated with it Victoria 's secret is a fraudulent account that got that my credit was used to obtain it I've asked for validation of debt I've asked for an itemized document of purchases made also they have sold the debt XXXX  XXXX  had sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX sent me a letter stating that I am no I am not obligated I have no further obligation regarding this account and they will close the account and she's collections I have numerous times tried to get XXXX  to get off of my credit report because it is fraudulent and they refuse when I call them they refuse to do anything and they end up acting like they're transferring me and they disconnect my call they can not pull up this account because they said that they sold the debt so it's no longer in their hands they were also double reporting for multiple years XXXX XXXX  Victoria 's secrets and XXXX XXXX XXXX were both reporting negative reports on my credit report over the same account now how is the person to live in this world especially if they're a single mom and they have companies like this that don't follow the laws or investigate correctly I'm very very upset about this and I'm not going to dispute this one more time I have contacted the consumer advocate consumer advocate and they are working with my accounts but it's so frustrating that I try to dispute things with the company itself and they tell me they can't even pull me up because they sold the debt and and this XXXX isn't even mine so then I go to the credit bureaus and I resend my Federal trade commission report my identity theft report through please the report with the account numbers in it and they won't do anything so then I contact the cfpb for help and you guys don't do anything so what's a consumer to do with all this fraudulent XXXX on their credit reports that is going by the book and disputing accounts and filing identity theft reports and police reports and verify my identity and disputing every single month for a year and still nothing 's happening when this should not be on my report
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Money transfer, virtual currency, or money service

I transferred cryptocurrency from Coinbase to an external account/wallet and Coinbase did not raise a flag the destination wallet as part of a scam or on the pattern of buying and sending cryptocurreny when their primary purpose is to enable buy and selling. Below transactions were carried out leading to a loss of {$150000.00} XXXX worth {$48000.00} were sent on XX/XX/year> XXXX worth {$98000.00} were sent on XX/XX/year> XXXX worth {$7800.00} were sent on XX/XX/year> XXXX worth {$2400.00} were sent on XX/XX/year> XXXX worth {$700.00} were sent on XX/XX/year>
Product: Student loan

I have reached out to The DEPARTMENT OF Education to change the incorrect information. I was never late 90 days in XXXX because I was and still am a current student. I had a in school deferment at the time. I have sent this information to the credit bureaus and to Navient/ Dept of Education . Nothing has been resolved yet.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

PayPal case : Dispute Case ID : XXXX Transaction Amount : {$200.00} USD Dispute Amount : {$200.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 2020
Product: Credit card or prepaid card

My capital one account was close and I payed the balance to a XXXX balance. Now I have a balance on the account that I had no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL
Product: Mortgage

I live in a townhome and the home next to mine ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) has been abandoned for several years. The lender on that property is Wells Fargo and they have not completed the foreclosure process on the home. The problem I am having is that the home next to mine is uninhabitable and needs a new roof. Every time it rains the water from next door comes in through the party wall and floods my home. Sometimes I have had about XXXX inches of water running through my living room. Needless to say the dry wall, most of my cabinets and furniture have been ruined. I do not have a water heater because it was damaged with all the water coming in so my XXXX sons and I have been taking cold showers for months now. I also fear that mold is growing in my home. 
The same thing is happening to the neighbor on the other side of this home. We have tried contacting the bank and spoken to reps of the bank that have come to check in on the property all to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, 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 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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 reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed that I have fraudulent accounts on my credit report. Please review these accounts from my report. They are hurting my ability to obtain credit. Thank you!
Product: Checking or savings account

Wells Fargo bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX closed with no notice whatsoever to account holders. I drove by the branch this morning, the signage was removed and a big sign indicating the location was for sale was placed on the property. It is my understanding that regulated banks must give notice of closure to the Comptroller of the Currency before closing. I could find no record of such notice being given before this branch was suddenly shuttered. Wells Fargo continues with its unabated pattern of unlawful behavior.
Product: Checking or savings account

On XX/XX/2022, after 2 failed deposits in different amounts and 1 failed accidentally scheduled a deposit for {$1.00} my account was frozen, and my stock positions sold for a loss. I have called and called the number provided in the message that states the account it frozen. The number goes straight to voice-mail and I've left several messages. On XX/XX/2022 I called every number on the company website until I was finally able to speak to someone. They informed me that my account was frozen and I would have to wait for the risk team to sort it out and I was promised an email decision by the end of the day. XXXX I called again and was informed the account was frozen for 60 days. At this time i.also discovered my stock positions had been liquidated at a loss although my account balance was well above zero before the sale. On XXXX I called again, asking for a reinstatement of my positions or the ability to move my money out. I was informed again that the account was frozen and I wouldn't be receiving my gains previously made, just my initial deposit of {$960.00}, and not for 62 days, vs 60 I was told the day before. There is no reason my account should remain frozen, especially for 60-62 days. They also asked me to lie to my depositing bank and claim.i hadn't sent the {$960.00} in order to speed up the process of the return. I will not lie to my bank, nor will I lose the {$400.00} in gains that I made using the {$960.00}. My frozen account balance is {$1300.00}, and I shouldn't have to wait 2 months and/or lose {$400.00} because of a simple error in depositing funds.I 've cost no one any money, I've done nothing illegal, and I don't feel that selling my positions without my.permission is fair. The sale of all stocks resulted in {$190.00} in losses at the time, and untouched until present would have been a far greater amount of gains, costing me even more. I have begged, pleaded, and threatened legal action to no avail. Simply put, Sofi had stolen {$400.00}, locked up {$960.00}, and cost me and additional {$190.00} in just one day of unwarranted actions. In 62 days my {$960.00} is.supposed to be returned but I received a message today from SoFi explaining that it will take up to 180 days. The potential loss is exponential in 6 months time. I want my money, XXXX {$1500.00} returned to me immediately by check or as a transfer to another trading platform. I shouldn't have to wait 6 months for only a percentage of my money to be returned. I saved for a long time to have this money to invest since I don't have a retirement plan. This sets me back 6 months, but likely.much much longer. Stocks are at historic lows making for a.great opportunity that I'm getting robbed of because SoFi doesn't want to release my funds back to me or allow me to transfer my small investment to another brokerage.
Product: Debt collection

My home and cell phone are on the Do Not Call list. I also submitted in writing a letter of Cease and Desist. I received a call this morning from XXXX from Receivable Solutions, XXXX stated that he saw that I was on the Do Not Call list as well as the letter of Cease and Desist yet called me anyway. This must stop.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXt # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor : XXXX XXXX CREDIT CARD/ Account # : XXXX Wrong Name And Adresses. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide validation method and information for the following account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named " XXXX  '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX  cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX  payment center located at XXXX XXXX XXXX XXXX XXXX, MO XXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX  employee 's signature on the delivery confirmation and the XXXX  employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX  is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX  refuses to correct my credit file to report the status as " paid in full. '' Per the police department 's advice, since the payment is signed for and cashed by a XXXX  employee, I filed a police report with the XXXX XXXX Police Department. A copy of the XXXX XXXX Police report to XXXX, the US Department of Education, and the credit reporting agencies on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and seen accounts on it that doesnt belong to me so I contacted my bank to have them freeze all my accounts until further notice
Product: Credit card or prepaid card

I have been attempting to file a claim with my Chase Sapphire Card in order to be refunded for travel disruptions. I have attempted to use their website but it doesn't work. I have contacted agents and requested a physical form. I was promised one would be sent to me. After 2 months no form has arrived. Every time I call I'm put on hold for long periods of time. Chase is trying to make me give up on filing a claim.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}
Product: Debt collection

I never received validation notice from Waypoint because XXXX never sent them my updated address ... I called XX/XX/2021 and provided my mailing address. They told me the validation notice was just sent yesterday. I am requesting Watpoint remove this from all 3 credit reporting agencies because they failed to provide validation notice. On XX/XX/2021 I let the representative know that I dispute this account. If they do not remove this from my credit report I will retain council. The waypoint account number is : XXXX.
Product: Credit card

My complaint is for the Bank of America XXXX XXXX XXXX XXXX Credit Card. The Credit Card advertises a {$100.00} Airport Security Statement Credit every XXXX years in connection with the XXXX XXXX  or XXXX XXXX  program. I made a transaction with the XXXX XXXX program on XX/XX/year> for {$190.00} but until this day I have not received the {$100.00} Statement Credit. 

I called Bank of America on XX/XX/year> to try to resolve this issue but the representative was unable to help me and didn't even seem to be aware of the statement credit.
Product: Mortgage

In two years of having Sun Trust / Suntrust Bank service our loan, they have twice missed the annual property insurance deadline and also missed paying our county property taxes once. I have spent ~20 hours fighting with different unhelpful agents to get them to make the payments for which they are escrowing money from us. The current property insurance payment is approaching 3 weeks late ( still not received ) and I can not get a clear answered when/how it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.