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
Product: Credit reporting or other personal consumer reports

You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.
Product: Checking or savings account

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Debt collection

I received calls from this organization ( McCarthy Burgess & Wolff ) from as early as XX/XX/year> to now ( i.e. XX/XX/year> ), claiming that I owed money to XXXX from an unpaid bill. After I gave them my financial information in XXXX ( which included my card details ), which then resulted in an amount of {$77.00} being taken from my checking account, I realized later on that I very well might've fallen for a phone scam ( this being after I researched the company online ). After freezing my old debit card and talking with a XXXX XXXX, I was told that I did not owe money to them from a previous independent account I had with them, therefore confirming that I was indeed scammed. 

I've had to freeze my old debit card with XXXX, put in for a new one twice ( in which I finally received my new card today, XX/XX/year> ), and had to file a complaint with XXXX to get my money back.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : 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

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report , and a prior Validation of Debt letter.
Product: Debt collection

TrueAccord reached out to me to pay a debt to XXXX. they offered a discount with just removed their fees. I paid the amount in full and it's been over 30 days and they have not paid XXXX for the debt. XXXX stated they have not recieved payment and the company has stopped returning my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX Balance on XX/XX/2022, {$9600.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$2800.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$4100.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$4800.00} These are four accounts that I have disputed five different times and they will take them off my credit report for a few years and put them back on my credit report when they are sold to another agency. This is not my debt and it is a fraud that has been reported over and over again. It gets removed and then pops up a few years later when another agency acquires the debt. I get 10 to 12 calls a week from different agencies offering to remove this from my credit report for {$350.00} per entry. Sometimes I get calls offering me a 50 % off a settlement to rectify the situation or a call from someone saying that they have a warrant for my arrest if I don't resolve this debt immediately. This is a fraud account, and I am overwhelmed with the harassment. I was totally unaware of the fact that America has the ability to incarcerate someone for a debt.
Product: Checking or savings account

On XX/XX/year>, {$780.00} was charge on my bank account that was unauthorized by me. It was multiple charges, adding up to that amount and Bank of America sent me an alert on the final charge asking if this was fraud. I immediately said yes, this is fraud and called the fire alert department to dispute the charges. Bank of America went silent and never reached back out to me and I called once a week and each time a different person gave me different information. Then today I get a letter from them saying that they would not reimburse me because they can not prove that it was fraud. Those charges happened in a different state that I never been to. I live in XXXX Tennessee, and the charges were somewhere in Illinois. Bank of America saying that somebody had my card number and pin number so theres no way somebody else could use the card. Having nearly {$800.00} taken out of my account surprisingly is putting me in a financial hardship and Im not able to pay my mortgage. 

Police report number XXXX
Product: Credit card

On XX/XX/year>, I called Citi to inquire why my XXXX XXXX XXXX XXXX XXXX XXXX showed {$0.00} when they were {$320.00}. Citi stated they expired due to me not using the card within XXXX  months. 

I told Citi I did not receive any notification my Cash Rewards were expiring. Citi stated it is in the terms and conditions. Citi stated I have been a Citi member for XXXX years and that I probably would not have read the terms and conditions since then. 

I asked Citi why I did not receive an email XXXX mail notice that my Cash Rewards were expiring the same as they send my statements. 

Citi stated they would file a dispute for me to see if they could return my Cash Rewards. 

On XX/XX/year>, I received a letter dated XX/XX/year> stating " Once expired, we are unable to replace the Cash Rewards. '' On XX/XX/year>, I called Citi to see if there was an appeal process and again letting them know it they were using an unfair practice of hiding the expiration of Cash Rewards in the fine print of the terms and conditions and not sending out an email XXXX mail notification. 

Citi told me there was nothing else they could do for me. I told Citi I would file a complaint with the CFPB and they stated they had an entire legal department that is ready to defend their actions.
Product: Vehicle loan or lease

DT CREDIT Address po box XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Checking or savings account

The people at the bank ( both in person and on the phone ) have been either unwilling and/or unable to help me. They promised me a supervisor would call me back but no one ever called. 

I had a FREE checking account with XXXXXX/XX/XXXXand when they were bought by Peoples United Bank I was assurred by XXXX XX/XX/XXXX that the account would still be free. 

The account is seldom used and as of XXXX, 2020 it had {$100.00} in the account. Starting in that month, Peoples United Bank began draining this account down to zero and then closed the account. 

This was all during COVID and I was unable to visit their bank for the most part during this time. 

When I went there in XXXX to close the account is when I learned that the balance was {$0.00} and the account was closed by them. 

This was always a FREE account and I want my {$100.00} back that was taken by Peoples United Bank.
Product: Credit reporting or other personal consumer reports

My account with ( DPT EDXXXXXXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 


( DPT EDXXXX, XXXX XXXXXXXX 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
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Smith and Debnam for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.
Product: Credit card or prepaid card

I was transferring a balance from XXXX to Citibank ( the check was draw on Citibank, I am refiling a dispute again because Citibank lied on the reason why the balance transfer check wasn't honor by Citibank. Citibank 's responded to my filing ( XXXX ) was they never received the check. I contacted XXXX on XXXX and I spoke to XXXX in the billing department. She said the check was return because Citibank said the fund was XXXX XXXX and this happened on XX/XX/2022. 

Balance Transfer amount : XXXX
Product: Credit reporting or other personal consumer reports

I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

On XXXX, 2013 I went to bank to cash at the drive -through window. The teller informed me my backing account was frozen because suspicious activity. I went inside the bank and talked with a manager. The manager could n't discuss the account because my daughter was n't present at time and account was college join account. I immediately called telephoned my daughter and told her check her account. My daughter notice than her wallet was missing and telephone the day. We checked banking activities later that evening online. Several large checks was deposit in her account which she had no knowledge where the funds came from.The bank never informed before hand of any possible fraud activities prior by email or telephone call until I went to branch to cash a check. My daughter did have a bank deposit slip, ATM and with her pin number written on deposit slip inside her wallet. The next day we went to bank and talk with manager about missing wallet and it contains. The manage over the account, told us all our accounts was frozen and all activities would stop. The bank continued to allow deposit checks, ATM withdraws for another 7 days. My daughter and I went to police department filed fraud and ID Theft complaint in XXXX and XXXX Police Department. We also file an report with Federal Trade commission and Attorneys General office.
Product: Mortgage

There was no " real choice '' for my issue. I did a VA refinance with Freedom Mortgage earlier this year. I would give you the exact dates but this part of my problem. Six weeks ago I contacted a lady named XXXX XXXX who works for Freedom. She was the only " hard contact '' I had. I had a working email address for her. I found out that as a XXXX veteran, I was entitled to the return of something called a VA Funding fee. I had filed for XXXX in XXXX and was awaiting the disposition of that case. While waiting I had applied for a VA refinance and was subsequently approved and closed on the loan in ( I am guessing ) around XXXX/XX/XX/XXXX. I have since received word that a part of my claim had been adjudicated and am currently at XXXX XXXX XXXX rate. I contacted Ms. XXXX concerning this and asked how to go about applying for this refund. I told Ms. XXXX I never received a copy of my paperwork from Freedom when I did my refi. They subsequently sold the loan to XXXX. My first payment actually was to XXXX, but Freedom Mortgage DID close the refi and it was their loan. She gave me the number of another lady to call about getting the paperwork. I called this person and was assured I would have a copy within the week. Three weeks later and I have received nothing. I started emailing Ms. XXXX about this and she has continuously deflected my questions. She has said I should have a copy of the paperwork ( I DO NOT have a copy or I would not be wasting my time ASKING for a copy ). The last 18 days has been a continuous stream of emails with me asking for the paper work and her giving me excuses why I do not need the paperwork. In order for me to talk to and discuss this with the VA I HAVE to know what I am taking about ( i.e a copy of the paperwork so I can answer their questions ). It seems every time I contact her I get a lame excuse as to why I can't get the copies of the paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Upstart both have written off alleged debt on my credit report. Both was asked to provide me with a 1099C as required by law. Its been over 90 days and neither company have responded to my request in XXXX of XXXX. Because of their neglect I am asking both accounts be removed from my credit report. 

Please be advised that Upstart Network Inc., nor can XXXX XXXX can not charge off or write off a debt on my credit report and still report a balance on my report, where it says Closed {$20000.00} written off for upstart, and written off {$3500.00} for XXXX  XXXX. The balance owed must be removed immediately. And 15 U.S. Code 1635, and 15 U.S. Code 1629g says you must delete the charge off from Upstart and XXXX  XXXX because its a confirmed charged off. 
In addition, please have removed all late payments from my credit report from Upstart Network Inc, and XXXX XXXX because they are inaccurately reporting on my credit report, and because of the following laws which validates you must remove them immediately with we have these inaccuracies. 
15 U.S.C.1681i, 15 U.S.C . 1666 and 15 U.S.C.1681s-2 ( a )
Product: Credit reporting or other personal consumer reports

Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )
Product: Credit reporting or other personal consumer reports

My credit report hasnt been accurate never. I want to be treated fairly as every human being living in XXXX needs to be treated fairly by these third party companies.15 US Code 1681E, states that I should have maximum accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

These hard inquiries dont belong to me, hasnt being autorized by me has to be removed. 

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, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items. Thank you. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX SSN : XXXX | XXXX : XXXX Attn : Credit Bureaus ( Experian, XXXX XXXX XXXX XXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX  XXXX XXXX XXXX with account number XXXX ( Credit limit XXXX ) This account is listed as being 30 days late ( alleged XXXX late month ). I have never been late on this account. 

XXXX XXXX XXXX with account number XXXX ( credit limit {$700.00} ) This account is listed as being 120 days late ( alleged XXXX late months ). I have never been late on this account. 

XXXX XXXX XXXX with account number XXXX ( credit limit {$500.00} ) This account is listed as being 90 days late ( alleged XXXX late months ). I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

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

Sincerely, XXXX XXXX XXXX