23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016 my Compass Bank account administered by Simple was locked and the funds in the account subject to a garnishment. On XXXX XXXX, a deposit was attempted and denied. On XXXX XXXX, that deposit of {$570.00} was allowed into the locked account. The deposit was not supposed to be allowed, as the account was locked. 

A court order has been issued to release the funds in the account after the initial locking. Simple and Compass are refusing to follow this court order.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department on [ dates of contact ]. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter within the exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2800.00}.
Product: Checking or savings account

Chase closed my account XX/XX/year> and refused to say why, this put me in a financial bind as that was where my money was housed. They waited months to send me the balance from the account at the time of closing. I do not understand why my account was closed, and do not understand why they refuse to provide a reason. All the agents were trained to say I dont have to tell you why, what kind of response is that? When I apply for a new account in which they continuously sending me offers for new customers with the {$300.00} offer every month, yet when I try to take advantage of the marketing offers that are being sent to my email frequently and consistently, I am denied. I want my account to either be reopened or open a new account. I have done nothing wrong.
Product: Credit reporting 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 the 3 credit bureaus XX/XX/XXXX2025, 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 you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$29.00}
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 under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled 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 reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX XXXX 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX Bank : It appears that XXXXXXXX XXXX incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXXXXXX XXXX showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is a bill from a doctor who claims I owe, I disagree. I am requesting an investigation with dates, charges, procedures, insurance notification and insurance charges both, and what this bill is for. I have not been sent a bill, therefore this needs to be cleared and off my credit report because it is causing my score to be lower than it should be, and also getting denied from creditors, plus the only collection on my report. 

Also, in the state of Arizona, where I reside, the statue of limitation is 5 yrs. and this has been on my credit report at least six ( 6 ) years or more. I have disputed this with the Credit Departments with no avail and in hopes you will help me out on this. All they have said is the consumer does not agree and wo n't remove it from my credit report. 

Your attention to this matter will be appreciated and hopefully successful. 

Thank you,
Product: Credit card or prepaid card

XXXX XXXX XXXX credited my account for a return and Amex Serve refused to release funds
Product: Mortgage

I have a mortgage that is in bankruptcy. The court sends me paperwork from the company ( Ocwen Loan Service LLC ) and it quotes my monthly note as {$940.00} as of XXXX/XXXX/XXXX. The quote also list my previous note ( for the last six months ) as {$1200.00}. In XX/XX/XXXX I received a quote from OLS stating that my note will be {$1700.00} beginning on XXXX/XXXX/XXXX and that was the note the six months prior ( that they had previously stated was {$940.00} ). This might not be serious to you, but according to my previous complaint, this is what happened last time when Ocwen decided to do XXXX mathematic and tried to take my house. I thought that we had gotten a good understanding since I was forced to go back into bankruptcy to save my house. I have truly struggle trying to save my house that I only owe {$33000.00}, despict the fact that prior to writing to the banking authority they had me owing {$67000.00}. Even though I owe less principal than I have ever owed, the company is requiring that my note is more than it ever have been. That note is almost impossible for me to pay. I have spoke to the insurance company and they have gone from {$2500.00} to {$10000.00} deductible. They took off the term " replacement cost '' and the house is being insured for regular cost of {$130000.00}. The insurance company is in the midst of refunding part of the money that the company has paid for insurance. However ; even with the additional cost of insurance, the fact that interest rate and index is less than it has been, and the amount owed on the house is half of what it originally was, I do n't understand a note of {$1700.00} monthly. I truly do n't understand how they quote XXXX monthly price to the court and quote me a different amount and back date the information..
Product: Vehicle loan or lease

I purchased a used vehicle on XXXX XX/XX/XXXX. XXXX XXXX XXXX with very low mileage. I had to wait to get the vehicle for approximately 2 weeks while a new engine was installed. At this time I had signed a bunch of paperwork and I was pleased with the service that I got from the dealer. Unfortunately, I may have been given the information about the lender ( contact information ) how who and how to contact the lender. 
I when XXXX  for 90 days of XXXX. I did not take my cell phone overseas for security reason. 
I returned in country around XXXX XXXX and almost immediately had to have XXXX to repair XXXX   XXXX? Soon after returning the vehicle was repossessed later night on XXXX XX/XX/XXXX. Going thru on excessive mail I found some mail from Santander Consumer. I created an account with them and logged in. Their site said that I owed {$1500.00}. I immediately tried to call them, offices were closed until XXXX CST. I called Santander at XXXX XXXX. After going thru their phone prompts I was connected with their representative. After providing with my information< I was informed that once the vehicle was repossessed that only option I had was to pay off the entire {$13000.00} and they would send me the title. At this point I explained my situation and that I had made the due account on their website. I was told that there were no other options except paying off the entire amount due and getting the title. I explained that I paid what their website was due and their reply was " who told you to make the payment? '' I related that their website did. I was told to stop the payment, I was unable to and my bank related that they would have to refund the money. I called back was informed that they would not return my funds and that it would be applied to the due amount. This made my account up to date and has a amount and due date for my next payment on XXXX XXXX! No way to resolve the repossession, no return of my funds and that I am basically XXXX!
Product: Debt collection

On XX/XX/XXXX I received a call from CMRE attempting to collect a debt place with it by XXXX XXXX This was CMREs first contact with me. I stated I dont owe the debt, it was written off and I had proof. I was told CMRE doesnt verify debts, the debt is valid and placed with it in XX/XX/XXXX by the hospital. I asked the the debt be verified over the telephone that moment, and the staff person told me we dont verify debts I will mark it as disputed and she hung up. 

I followed up the phone call with a written request and a copy of the email indicating XXXX XXXX was writing off the debt in XX/XX/XXXX. I asked CMRE to verify and validate the debt as indicated in my correspondence. I made a second written request on XX/XX/XXXX. I have gotten no response.
Product: Credit reporting or other personal consumer reports

Lexis nexis is refusing to correct inaccurate information that is exposing me to identity theft, I sent them multiple letters and provided all the required documentation, they are refusing to correct my information.
Product: Credit reporting or other personal consumer reports

Under 15 Us Code 1681e Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( XXXX ) XXXX
Product: Mortgage

Email sent to them today ... 

On their website it says " Let us know how were doing. 
Share your feedback : XXXX '' That email bounced so it does not even work. Forwarded it to multiple other emails on their website. 


I called last Tuesday regarding the fact that the county told me that I am up on the waiting list of people to help with mortgage assistance. I have 7 days to get them this form signed. I called and asked how to do it. They said attach it on the contact us page and tell them what I need. I did. 

On XX/XX/XXXX I received an email telling me to call in to pay. So they did not read it or even acklowede it. I called in. I was told they saw the form and would " escalate ''. I called on Friday XX/XX/XXXX. Spoke to multiple people. Got a supervisor. Said he would escalate it and if no one has sent me it by Tuesday ( Today ... day it is Due ) to call again and ask for a manager. 

Nothing today so I called. I got XXXX but it is oveXXXX 2.5 hours later and still no word. I need this filled out today or I lose out on the money. Help me help you. 

I lost my job. I am doing the best I can and getting assistance where needed. I need this form filled out to do so. 

The w-9 is not needed that is for landlord. 

Ticket # XXXX Ticket # XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Side note : XXXX was super nice and helpful but she can not fill out the form. It seems no one can fill out a form.
Product: Bank account or service

A Payment for XXXX for XXXX XXXX was denied for insufficient funds from Chase Bank. A DD from SSD was scheduled for XXXX, and payment was made late on XXXX. 
As of today balance of {$390.00} from a {$580.00} DD. Purchases and payments do n't add up. Chase bank is stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with mariner finance that has been paid for 3 months now. Over the last three months my the account has been reflecting open and then closed resulting in my credit score changing by over 50 points each time. This is really difficult to maintain credit and purchase a home because this account keeps reflecting negative and positive ever few weeks. This has affected a job offer as well as home buying process.
Product: Debt collection

Diversified Consultants is trying to collect {$200.00} on behalf of XXXX. My XXXX account number was XXXX. At issue are two distinct matters : ( 1 ) Internet service and ( 2 ) wireless service. I do not owe anything since I canceled both before usage due to the fact that the Internet service never worked and the wireless service was never requested or agreed to and was unwanted.

Internet Service I contacted XXXX last year to request Internet service. XXXX mailed out equipment. The equipment never worked. I called XXXX tech repeatedly but they were unable to solve the problem. I quit XXXX Internet and went to a different company. Because I never had XXXX   Internet service, I incurred no financial liability whatsoever.

XXXX invoices falsely suggest ongoing Internet service. In fact, XXXX never provided Internet service.

Wireless Service During the phone call in which I requested Internet service, the XXXX representative said he would mail out a free computer tablet. This was completely unsolicited and unwanted. It was portrayed as a gift.

This agent never mentioned that he was going to open a wireless account in my name and start charging for it. I NEVER requested wireless service or the free tablet. Both the Internet equipment and the computer tablet were returned. XXXX began sending invoices alleging I owed {$200.00}. This was clearly erroneous since the Internet service never worked and the wireless service was completely unwanted and unused.

I disputed these charges on the XXXX  website. I checked my account on the website regularly until ultimately the account stated XXXX balance. At that point I thought the matter had been resolved. I was astonished when XXXX contacted me stating that my FICO score plummeted because of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$58.00} ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Product: Debt collection

I was contacted by PayPal on XXXX telling me there has been unusual activity on my account. I told them I have PayPal account but I never use it. I was told someone had sent XXXX laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm XXXX  XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from PayPal saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from PayPal for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempts to address the issue of late open accounts on my credit report. 

Despite my persistent efforts and numerous requests, the necessary corrections to the late open accounts have not been made. This inaccuracy continues to affect my creditworthiness and financial standing adversely. 

I urge you to prioritize this matter and take immediate action to correct the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. This accounts should be corrected right away : XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.