23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are in the process of selling our home. Our real estate attorney provided a request for the payoff statement for our mortgage from Seterus on XXXX XXXX, 2015. They said that it would take XXXX business days to receive this, even though a typical lender provides this within a few hours or up to XXXX business days. On XXXX XXXX, 2015, our attorney contacted them because she had not yet received the payoff statement. They said they were still within their XXXX business day window and were in the process of obtaining this information for our close scheduled for XXXX XXXX. On XXXX XXXX, 2015, my husband contacted Seterus to find out the status, since we had still not received this, and they told us that our request was declined and that it would be at least another XXXX business days. They are jeopardizing the sale of our home by virtually holding us hostage for a piece of documentation they refuse to provide despite the law in CT being that this must be provided within 7 business days of written request.
Product: Payday loan, title loan, or personal loan

Net creditXXXX XXXX check my credit and made an inquiry XX/XX/2023. I never applied for a loan of any kind in years. This is a fraudulent application
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious matter of identity theft and the subsequent fraudulent actions taken by unknown individuals using my personal information. I am a victim of this crime, and I request your assistance in resolving the issue promptly. 

On XX/XX/XXXX, I discovered that my personal information, including my name and Social Security number, had been unlawfully used to open an account with XXXX XXXX XXXX  without my knowledge or consent. The initial charge associated with this account was {$5000.00}, and it was opened in XX/XX/XXXX. I have taken the necessary steps to address this situation by filing a complaint with my local police station, and they have generated a police report that serves as evidence of the identity theft. 

Additionally, I have reported the incident to the Federal Trade Commission ( FTC ), which has initiated an investigation into the matter. I have attached copies of the police report and FTC complaint for your reference, which was sent to the FTC via certified mail with return receipts. I expect that these documents will aid in expediting the resolution of this matter. 

To compound the issue, the account with XXXX XXXX XXXX was subsequently sold to Acima, a debt collection company, without my consent or prior knowledge. The current outstanding balance on this account is {$5200.00} as of XX/XX/XXXX. I request that you take immediate action to rectify this situation by removing this fraudulent account from my credit report. 

Furthermore, I have recently discovered another fraudulent account on my credit profile, opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This unauthorized account carries a negative impact on my credit score, with an associated amount of {$440.00}. I request that this account be promptly removed from my credit report as well. 

Despite having provided all relevant documentation and information to support my claims, I am disheartened to observe that over two weeks have passed, and these fraudulent accounts have not yet been removed from my credit report. This delay has severely affected my ability to obtain new credit, secure a vehicle, and even find suitable housing. 

I kindly request that you take immediate action to investigate this matter thoroughly and ensure the removal of the fraudulent accounts from my credit report. Additionally, I would appreciate your assistance in notifying all relevant parties involved, including XXXX XXXX XXXX, Acima, and XXXX XXXX XXXX XXXX XXXX  about the fraudulent nature of these accounts and the necessity for their immediate closure. 

Please find attached the certified mail receipts, police report, and FTC complaint for your perusal. I trust that you will treat this matter with utmost urgency and resolve it promptly. I eagerly await your response and appreciate your cooperation in rectifying this distressing situation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 - I sent a communication through the Postal Office, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, XXXX has failed to conduct a proper investigation and rectify the errors in my credit file. I filed a dispute with the bureau. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to inform the furnisher of the disputed information and provide them with all relevant documentation. This legal obligation has not been fulfilled, as the furnisher continues to report the inaccurate information without any verification or correction. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX XXXX : Account number : XXXX, Monthly payment reported on closed account, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Creditor stated they would remove this after payment and its still on my credit report. Update this account for inaccuracy. 

XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

XXXX : Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report.
Product: Credit card

I applied on line for a credit card with Synchrony. After I entered all my information, I received a text saying I needed to verify my identity by clicking on a link on my XXXX so I could send Synchrony both a video of myself and a copy of my driver 's license. I clicked on the link, followed the instructions, but the application did not work and I was told to contact the Synchrony XXXX XXXX, which I did. I was then transferred XXXX times to XXXX different numbers, waiting over XXXX minutes. Eventually, I spoke to the credit card department which confirmed my information and saying that I only needed to get my identify verified and my card would be approved. I was transferred to an IT department. I spoke to someone named XXXX who could not get the verification application to work on my XXXX and said perhaps the problem was my using the XXXX browser and so I should download a different browser. At this point I had been on the phone over an hour and said I wanted to withdraw my application. XXXX said I could not withdraw my application and it would be denied because they could not get their software to verify my identity. I now see that my credit score has been decreased. This seems utterly unfair given that the problem was with Synchrony 's software and not my credit.
Product: Credit reporting or other personal consumer reports

WHEN I SAY THIS ACCOUNT IS INCORRECT MEANING IT IS NOT MINES IT IS FRAUDULENT. I WANT IT REMOVED NOT SURE HOW A ACCOUNT FROM 2021 APPEARED ON MY CREDIT REPORT
Product: Debt collection

I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered
Product: Credit reporting or other personal consumer reports

Clarity Services continue to violate the Fair Credit Reporting Act ( FCRA ) by not deleting inaccurate information from my consumer report after I have provided proof documentation for my dispute. Clarity Services refuse to respond to my last dispute sent via certified mail on XX/XX/2023. Clarify Services continue to report inaccurate addresses, phone numbers, email addresses, inquiries and personal information spelling of my name. I have disputed this inaccurate and Clarify Services continue to violate my consumer rights and the FCRA laws. Please see attached dispute letter with all dispute inaccurate information listed.
Product: Debt collection

XXXX XXXX must stop trying to collect on rent that I did not owe, I was a XXXX old XXXX XXXX when my mom moved in 2021 and bc I was over XXXX I had to be on the lease! I did not sign as a consigner I was just a XXXX kid resident. My part time check did not get me this rent. Please stop harassing me with a {$6900.00} bill. I am XXXX yrs old and this is not my bill- my Moms filed bankruptcy! We don't owe this money- y'all can't make XXXX yr old and XXXX yr olds pay for rent we couldn't afford on our own bc our parents had a hard time! We ain't responsible for our parents.
Product: Bank account or service

Wells Fargo is still sending me letters saying my account with them is still open, even after agreeing to close it when they heard from your agency in XXXX. Their current letter, dated XXXX XXXX, 2016, says they need a social security number to close it, which I will not send. Their representative assured us weeks ago that this was taken care of. We did not open a line of credit with them, nor have we ever had any sort of account with them whatsoever.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXX XXXX 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 card

the amount of balance on Home Depot THD/CBNA. Was account of my husband, he opened account XXXX at some point he added me as only a user. He passed away in XX/XX/year> with in a month this bank changed his name on the account into my name and have been no stop calling me I do not interact with them as the people on the phone have been horrible. This was not my card I feel they had no right to change his credit card into my name some how they got my information and this debt shows up on my credit report. I have no means and it is not my account. this is fraudulent and harassment. I did not want this card. never applied for it..
Product: Debt collection

I received notice that I owe MIDLAND CREDIT MANAGEMENT INC in regards to he account I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$56000.00} XXXX XXXX  XXXX XXXX XXXX : {$5100.00} XXXX XXXX Balance XXXX {$24000.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning but I am still seeing some unauthorized inquiries from my credit report. Please check the documents I've sent in regard to this matter.
Product: Debt collection

I was offered a credit card over the phone about XXXX years ago by XXXX XXXX for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.
Product: Checking or savings account

On XX/XX/2025 PNC bank withdrew {$550.00} from my PNC Bank, N. A. checking account number XXXX based on a Checking/Savings Withdrawal Ticket signed by XXXX XXXX which Ticket listed his account number XXXX. 
This wrongful withdrawal was brought to the attention of PNC on or about XX/XX/2025 and several times thereafter.
Product: Credit card or prepaid card

I am receiving credit card bill from Comenity Bank which was paid off. Comenity is charging me fees on a zero balance from a closed XXXX Credit Card with a Zero balance. I also tried to close account over the phone and a recording said there is a problem with closing my account and the recording told me to please hang up. Also, used their comenity on-line text for help and received email back that the message sent was not received. Sending me fee charges on paid off account and refusing to allow me to stop this nonsense is disheartening and how can this be allowed?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX, I signed into my email account and saw two order  confirmation emails from XXXX saying orders had been placed on my account. One was four a bracelet for {$0.00} and the other for screwdriver bits for {$4.00} using PayPal. The XXXX sellers are XXXX companies shipping from XXXX. I did not place these orders and I don't want the products. I immediately filed a fraudulent activity claim with both XXXX and PayPal - Dispute Case ID : XXXX for Transaction ID : XXXX. By the morning of XX/XX/XXXX XXXX received an incredibly surprising reply that after reviewing the {$4.00} transaction PayPal was denying my case and refusing a refund. My jaw hit the floor because I had previous to this placed a lot of trust in the PayPal money back guarantee and the safety of having my bank account information on file with them. 

I called the company at XXXX XXXX on XX/XX/XXXX to again assert my right to a refund for this fraudulent transaction that I did not make. I spoke with a young man that again denied my claim, saying that their review showed no unauthorized 3rd party access to my account ( They must have a pretty worthless process in place ). He refused to elaborate on the details of this determination except to say that whoever made the transaction knew my shipping address. I tried to reason with him the fact that XXXX and PayPal are essentially the same company and XXXX has my PayPal associated to the account, so if a fraudulent transaction is made by an XXXX seller, who may already have shipped to me on some previous transaction in the distant past then they might have that information. I assured him the transaction was fraudulent and that I had not even visited the XXXX site for a couple months. No amount of reasoning could prevail on this obtuse individual whose only apparent purpose with the company is to deny obvious fraud so as to avoid liability. 

In any case, it is ridiculous what they are putting me through over a {$4.00} fraudulent transaction. If they had any collective corporate brainpower they would just cancel the transaction rather than lose all the future transaction fee volume by alienating a good customer. I told them I would report them to the CFPB. I am a man of my word, which is more than I can say about the vaunted PayPal money-back guarantee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX and Experian for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against XXXX and Experian regarding the inaccurate reporting of information related to my XXXXXXXX credit card account. I believe that these inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXXXXXX credit card has a closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by both credit bureaus, leading to a significant drop in my credit score. Enclosed are my recent credit card statements and screenshots demonstrating that XXXX has deducted XXXX points from my credit score, while Experian has also shown incorrect updated information on my credit report. 

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that XXXX and Experian correct these errors in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I mailed a letter to Chase auto loan disputing the inaccurate information my credit report. 
the credit report state 30 days late, 60 days late, 90, days late, 120 days late, then c/o, and c/o. These are evidently violations which is stated in my claim, as I have also been denied for a house and car due to these false allegations. 
Evidence of claim is attached.
Product: Checking or savings account

I attended a conference at XXXX XXXX XXXX in California. I cleared my charges on XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  ( today ) I received additional charges. I called XXXX and finance manager informed me this change is an incremental hold, it was released by them XXXX XX/XX/year> when I left the resort and an error of the bank to place it today. XXXX finance division provided me with documentation as such. My bank Navy Federal will not release this hold, is saying that it is on the merchant despite the merchant saying they have no holds and released all holds when I cleared three days ago. There is XXXX being held by bank, I have had to move money to prevent my account from going into the negative. My concern is now I will be charged overdraft fees and not having funds to pay other debts due to this error, and getting charged for those fees as well for what the merchant says is error on the part of the bank and the bank says is an error the part of the merchant. That leaves me the consumer with XXXX of my money in essence held hostage with no recourse except to wait a few days.
Product: Credit card or prepaid card

I do not have a government benefits card. However, I received a text message on my work cell phone, from XXXX on XX/XX/2021 at XXXX that reads : BANK OF AMERICA XXXX Your Bank of America EDD Prepaid Debit Card has been temporary [ sic ] suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using. http : //prepaideddcardbanksofamericas.com/reactivateds I did not follow the link ( obviously a scam, note the spelling ), but wanted to report this in case others were alarmed and clicked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act XXXX  account Lockhart, Morris and Mont Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Product: Checking or savings account

On XX/XX/2023, someone had actually stolen my identity, logged into my personal accounts from CHASE and transferred $ XXXX from all of my monies to a joint account, transferred it out to a personal account and into an external account. 

I have reached out to chase to reverse this, but they said that they can not reverse it. 

I have filed with the XXXX Police Department and the claim number XXXX I have four claims to dispute this account with Chase, but one of the claims denied me in reversing this is XXXX. 

Please help me.