23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : GLOBAL 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 XXXXXXXX I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Syndicated Office Systems,XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX CA XXXXhas placed a medical record on my credit report that does not belong to me, they have been informed in writing that i am a victim of Identity theft and i only paid the account, because they said record would be deleted, they have now refused to remove record from my credit. i should not be asked to pay for bills that i am not responsible for, and after payment is made, they still refused to remove collection record
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

EXPERIAN 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: Credit reporting or other personal consumer reports

I was never contacted to check the accuracy of any information on the Experian site. Furthermore I sent a letter on XX/XX/XXXX to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX XXXX XXXX XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act. The list of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian has violated my rights. 15 U.S.Code 1681 Section 602 A.

States I have the right to privacy. 15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. Inaccurate information on payments of account. Per the Privacy act of 1975 " Charge off '' is a certificate of indebtness which is income and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.
Product: Checking or savings account

My account has gotten money stolen out of it from a XXXX XXXX account ( {$1400.00} ) ( XXXX XXXX ). When contacting XXXX, they asked for my information and none of it matched with the account that my money was going to. When discussing the situation with one of their customer care representatives, they said that it was indeed fraud and to have the money refunded through my financial institution. After showing these documents and statements to Current, they still have denied my claim.
Product: Mortgage

Please tell NewRez, LLC that we reject the breach of contract and the new terms including this ridiculous fee schedule flat out and that we only agree to abide by the terms of the original mortgage service contract. 

If NewRez, LLC argues that they are allowed to raise certain fees, fine then we only agree to have our fees raised by a reasonable 5 % in dollar terms. 

Also, if NewRez, LLC insist on a collective {$55000.00} fee for any litigation then we are instituting our own fee of {$100000.00} to NewRez, LLC for any litigation costs regardless of who brings the claim or the merits of the claim. That is just one or our new fees. Please also have the CFPB serve as the document holder for our Fee Schedule.
Product: Mortgage

When I closed on my mortgage with Wells Fargo many many years ago, one of the payment/payback options was bi-weekly payments. Thus, I have been paying bi-weekly for years. However, they never apply my bi-weekly payment when received. They just hold on to it ( thus getting the extra float time credit ). I lose by paying more interest since it does not get applied to the loan immediately. Then, once per month, Wells aggregates all my payments for the month and makes a single payment against my loan, thus applying it at that time against my principle. I personally think this is deceptive/unfair as they get all the extra benefit and I get no relief since they sit on at least half of my payments for at least two weeks before applying it to the loan. Hope that makes sense.
Product: Debt collection

On XX/XX/XXXX I was served with a legal complaint, electronically filed by XXXX, XXXX XXXX XXXX, on behalf of OneMain Financial XXXX, to recover an alleged debt which I believed to have been paid. I began receiving " service '' of purported court filings from XXXX, XXXX XXXX XXXX as early as XX/XX/XXXX, and possibly earlier. The documents were styled as court filings, titled, " Plaintiff 's Notice of Electronic Service, '' and electronically signed by the same attorneys who electronically filed the complaint I was served with on XX/XX/XXXX. In fact, I received XXXX of these exact notices as an attachment to said complaint. 
Upon receiving the first Notice in XXXX of XXXX, and the second in XX/XX/XXXX, I used the online public search function through XXXX XXXX XXXX XXXX XXXXo search for the legal action taken against me by OneMain. I was unable to find any such action either time, which I now know is because no such legal action had been taken. This, coupled with the fact that I believed this debt was paid, led me to believe the notices must be a scam. What was the purpose of mailing fake legal filings to me, if not to mislead? Both the creditor and its counsel are obviously predatory debt XXXX. 
I have included a copy of the Notice received with the complaint so that you can see what it looks like. Again, this is the exact same notice I began receiving in at least XX/XX/XXXX. It's obviously intended to make the recipient believe that legal action has already been filed against them.
Product: Checking or savings account

I placed an order with a company in XXXX on XX/XX/XXXX. I had 3 payments taken out of my bank account. {$600.00}, {$790.00} and {$1100.00}. The items were never shipped and I have been told in an email that they are not shipping. 
I opened a dispute on XX/XX/XXXX, but the XXXX company told me to close the dispute and they would ship, so on XX/XX/XXXX I closed the dispute.. then they never shipped. I tried to reopen the dispute with proof they were not shipping but Chime will not reopen the case. 
I have talked with XXXX, the company that I paid through with my bank card and they have stated that it is fraudulent and my ban should refund the money. I was not the only person this happened to, however Chime will not comply.
Product: Debt collection

I was notified by my bank about a year ago about credit card fraud where the person used my XXXX account and ordered various items on my debit card and/or through my XXXX. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??
Product: Checking or savings account

I was mugged on XX/XX/2020, resulting in my wallet and phone being stolen and my bank accounts being cleared out. I was able to recover most of the funds with help from the police, who also arrested a suspect. However, Chase Bank refused to refund the cash the perpetrator took out of my bank account via ATM because I couldn't prove I was not the one to take out the money. I had the police file a warrant for the ATM footage, and have circled back several times over the past year and a half and have not made any progress and am still missing over {$6000.00}. Police report is attached, along with outline of some charges and identity theft report I filed.
Product: Checking or savings account

I am writing to formally submit my final complaint regarding the financial injury and stress I have endured as a result of ongoing issues related to identity theft with my Wells Fargo account. Despite my repeated attempts to resolve these matters, I have not received adequate support or resolution from Wells Fargo. 

Over the past several months, I have experienced significant financial loss due to unauthorized transactions on my account. This incident have not only caused financial strain but also immense stress and XXXX. 

I am requesting a refund of the remaining reimbursement of {$61000.00} for the unauthorized transactions and any related fees. It is unfair that I am facing the consequences of identity theft, especially when I have promptly reported these issues to Wells Fargo. 

I have also had a credit card from another company be used and maxed out, and someone attempted to take a loan out in my name due to this identity theft. This further highlights the severity of the situation and the urgent need for resolution. 

I expect a swift and satisfactory resolution to this matter. If my concerns are not addressed appropriately, I will have no choice but to escalate this matter further. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid my balance in full and closed the card ( I have all the statements ) The following month they billed me for a misapplied payment ... .after the card was closed and all balances paid in full. They have been accumulating late fees without resolving the problem. I have filed a dispute with them but they have not answered the complaint with any proof that it is my responsibility. The latest statement is now {$110.00}, all late fees and my credit rating is being lowered because of it.
Product: Checking or savings account

This is regarding my cash app account. My payroll direct deposit has not been credited. I have tried to speak with support numerous times. They do not speak with me in really time. They wait about 3 hours each time then give me the same answer. That being, it can take up to 5 days. Its been 5 days, its still is not credited and they still are not communicating with me. Payroll is sent out each Monday. That would have been XX/XX/23. I usually have access to the funds about 2 days later. That would have been XX/XX/23. It is now XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX  XXXX with very XXXX XXXX  and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Debt collection

Columbia Debt Recovery, LLC a.k.a. Genesis is a company I had never heard of before they contacted me via email about a year ago. I sent certified mail asking they provide proof of the debt in accordance with consumer law. They refused to do so. They can only provide a stolen document from an old lease that was paid off a long time ago. This does not suffice as proof of the debt pursuant to consumer law! 
They then reported the account to the three major credit bureaus. I again demanded they provide proof of the debt. They did not. I sent a police report. They ignored the police report. Furthermore, they are attempting to collect on a debt that is older than three years old which is illegal in the state of XXXX XXXXI am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying to buy my first house. Genesis is breaking consumer law, destroying my good name, causing my XXXX XXXX ( who has XXXX from war ) and I significant stress, and preventing us from purchasing our first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I picked up the first few calls to dispute debt, and to figure out what I can do. The first guy I talked to starting saying things along the lines of no wonder why they sent your debt off so quick they dont want to work with you, and other things about my personal life. I asked them to stop calling me and texting and to only email me. They are still calling and will not give me a clear answer to what I need to do. The company is hunter warfare in Florida
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this CFPB complaint to formally dispute the inaccurate information that is currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to XXXX. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to  call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. Thank you