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

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them .I don't have any access to these accounts, i have never sign the contract or agreement with them.
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested XXXX XXXX XXXX $ XX/XX/2024
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : 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  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

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, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late Open : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES LVNV FUNDING-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX  XXXX FRAUD ACCOUNT # XXXX XXXX  XXXX FRAUD ACCOUNT # XXXX XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Product: Checking or savings account

XXXX XXXX resolution specialist with Bank of America blatantly lied in response to a cfpb complaint from me. 
I have attached screenshots with his initial claim that he was unable to contact me. 
I have also attached screenshots of multiple emails between the both of us during the past month. 
I do not believe it is acceptable for someone to report to the cfpb with blatant lies that can be easily disproved. 
I don't understand the lack of respect for the cfpb from Bank of America, but I am used to them breaking the law against me. 
I do think he should be held accountable for this. During the pandemic crisis with people 's lives and on the line, I believe it is unacceptable for XXXX to conduct himself this way. 
There's no way on Earth I find anything he says to be credible because of this egregious lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX XXXX XXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : 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 I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

Sincerely,
Product: Checking or savings account

My husband and I have a Joint checking account with Truist Bank. We spend part of the year overseas where we have a vacation home. When we are overseas we transfer funds from our Truist account to a currency exchange company ( XXXX ) through our US account with them. The XXXX USD account was added to our Truist account as an external account. This had been working fine with no problems. 
A couple of months ago we made a transfer of {$1500.00} to the XXXX USD account but had forgotten they had changed the bank they use. The money was therefore returned to our Truist checking account because our account at the previous XXXX bank was closed. However, for no reason and without advising us, Truist removed both this account and another external account we had with XXXX XXXX from our checking account. This meant we were no longer able to transfer funds from our checking account to pay our living expenses overseas. We have the details of the new bank XXXX uses and tried to reinstall it as an external account, as before. However, there appears to be some kind of block preventing this. I repeat, both accounts are with regular US banks. One is XXXX XXXX and the other is XXXX XXXX XXXX XXXX 
We have contacted Truist multiple times about this, both by email and phone, and they have totally failed to resolve the problem. We receive no replies to our emails and we still can not transfer funds. This has caused us considerable financial difficulties.
Product: Checking or savings account

This has happened multiple times. I'll use today ( XX/XX/2020 ) as the basis for this complaint. This bank routinely pushes checks I have written through my account without ever showing them pend. My paycheck however begins to pend on Wednesdays, however it is not released to me until Friday morning. I monitor my account closely, my wife is always able to go deposit money if something comes through, but I'm never given the opportunity because they run checks through overnight without ever showing them pend during the day. Yesterday and last night ( XX/XX/2020 ) I was closely watching because I knew there was a check in the amount of {$200.00} out, but it never showed up in my online banking until this morning ( XX/XX/2020 ). However, this check has now been dated for XX/XX/2020 and rejected before my paycheck stopped pending and was labeled a deposit. I have filed a complaint with a XXXX at their corporate office who told me this practice is illegal and has previously reimbursed me for the times it has happened. She instructed me to call back if it happens again, this morning when I called and requested to speak to a manger my request was denied.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023
Product: Debt collection

Midland Credit Managment h as a collection under my name for credit card debt in the amount of {$180.00}, which has a settlement offer of {$110.00}. I called to get more information and possibly pay online after proper verification but was not satisfied by their response and their insistence that I pay over the phone. Before hanging up, they asked if they could call me to which I said "  No '' .     After terminating the call I was able to determine that the representative who I spoke with made false claims, including that the collections would be added to my credit report when the debt has already exceeded the statute of limitations and was recently removed from my credit report. Now I understood their insistence and possibly their reason for lying and was not longer going to pay until I was given proper verification.     The following day, I was contacted by the same representative, again claiming that this would add the collections to my credit report. Once I mentioned that I had previously stated that I did not want to be contacted and that I found out that he lied, I was placed on hold because he had " another call ''. After waiting, I explained that I know he lied and that he contacted me after I expressed that  they may not. Both of which I believe are violations of the Fair Debt Colle ction Practices Act.     In summary :   1 ) Midland Credit Managment 's representative lied about actions they would take to affect my credit.
2 ) Midland Credit Managment 's   representative contacted me after explicitly being told they can not contact me.     Further details available upon request.
Product: Debt collection

I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report
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 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never I have attached a copy of my complaint on the following ( XX/XX/year> and XX/XX/year> ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, TransUnion, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681 which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. Accounts in question, ALL INQUIRIES!!
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



Enclosed with this letter are documented proof of the expiration dates of these debts under the statute of limitations. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter.
Product: Mortgage

I received a letter from the Mortgage Banking Executive Office on XX/XX/XXXX, and at that time were in settlement negotiations with the attorneys on my case for JPMorgan Chase, which I have been in since XX/XX/XXXX or thereabouts when an Agent for Chase called and asked if I would do a deed in lieu of foreclosure. As Chase is represented by counsel I felt I needed to obtain authorization from their attorney to discuss this type of matter with them. At that point I contacted their attorney of record and she gave permission for me to discuss this with Chase. My divorce attorney sent and email to the attorney offering to settle the foreclosure action for a deed in lieu. The attorney for Chase sent back and email asking if XXXX XXXX would sign. My divorce attorney said yes on XX/XX/XXXX. We did not hear back from the attorney and on XX/XX/XXXX in a court hearing they moved for and were granted summary judgment against me. 
XXXX of the basic defenses in my case was that no loss-mitigation was ever offered to me. Pursuant to XXXX XXXX XXXX XXXX XXXX v. XXXX. XXXX failure to comply with loss mitigation procedures ( FHA in this case ) created a genuine issue of material fact that precluded foreclosure ( and impacted the foreclosing Plaintiff 's equitable standing ). In my case this is a XXXX loan and I have found guaranteed by XXXX XXXX, which means it was probably securitized in a XXXX pool. 
On XX/XX/XXXX Chase 's attorney informed me that they reason they did the summary judgment was " the investor denied the deed in lieu '' on XX/XX/XXXX. Throughout this entire court matter JPMorgan Chase has represented itself as the owner/servicer. I was unaware of any investor in this matter that had a legal right to deny loss mitigation or settlement. If this " investor '' is the true party in interest, why were n't they before the court in the foreclosure action? The investor was n't XXXX as I have spoken with them and I am in the process of filing a formal complaint with them to deny the guaranty on the loan and have my {$2900.00} that I paid for that loan refunded to me as the servicer for the loan did not follow loss-mitigation required by the XXXX laws, policies and procedures. Banks have a right to collect the amounts they owe, but they also have an obligation for good faith and fair dealing outside of and in court actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end XXXX XXXX plan as late for any purpose.
Product: Checking or savings account

I deposited a check at Chase Bank into my business account. I deposited check and it cleared in 24 hours. I endorsed the back of the check with my personal signature instead of my company name. Because of this error on my part, the bank that the check originated from recalled the check. My customer wrote me a new check and I deposited new check, endorsed correctly and notified Chase about the error and what was taking place. Chase Bank put a 7 day hold on this check and says they will lift the hold if they can verify the check with the check writer. They tell me their system is unable to verify a phone number for the check writer even though the customer of mine has a company website that they can look up and call the number listed on the website. Ive spent hours with Chase Customer Service and have spoken to multiple representatives in the Hold Department and I can not get a resolution. At this point I believe Chase will extend the hold indefinitely if I do not take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
Product: Debt collection

i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them