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

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It XXXX Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account Name : [ XXXX XXXX RE ] Date Listed : [ XXXX XXXX, XXXX ] XXXX. Account XXXX : XXXX COLLECTIONS Date Listed : XXXX. XXXX, 2023 XXXX. Account Name : XXXX COLLECTIONS Date Listed : XXXX XXXX, 2023 Under 15 USC 1681i ( 5 ) XXXX  A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : XXXX of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply XXXX result in further action to enforce my rights under the FCRA. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

TWO WHOM IT MAY CONCERN I AM REPORTING J P MORGAN CHASE FOR DISCRIMINATION AND FOR CLOSING MY ACCOUNT DUE TO THE FACT OF THERE XXXX XXXX. AND THEY STILL OWE ME MONEY AND THEY KNOW IVE TALK TO THE COMPANY AND THEY WONT DO DO ANY THING ABOUT IT.
Product: Credit card

I was told today XX/XX/2023 that someone showed up at my mother 's house which is also where I live and stated that they were doing a wellness check. 

This is so far beyond outside the scope of any person let alone any business to be doing if they do not know me. It is unprofessional and it is unacceptable for any reason whatsoever. 

I want the information of the person who did this and I want my account to be XXXX  out or I will be taking this information to an attorney due to the mental and emotional stress and having to miss work to go to the commissioner 's office and to the sheriff 's office to figure out what was going on.
Product: Payday loan, title loan, personal loan, or advance loan

I demand that the aforementioned fraudulent items be removed from each bureau of my credit report
Product: Debt collection

Comenity Bank calls me 5-6 times a day, every single day, including Sundays. They also typically do not leave a voice mail. Just calling over and over, all day long. I included a screenshot to show the 8 calls I have gotten from them just XXXX and XXXX alone so far, even. But there are dozens more beyond that, also.
Product: Mortgage

I feel like I was financially damaged by Quicken Loans in Michigan. I told them before the loan was approved that I was on a fixed income and could afford no more than {$550.00} a month in payments. It is an FHA loan and the payments were calculated to be {$510.00} a month. I added the additional to pay down the principal and have paid $ XXXX/mo consistently, never late. Here recently, I received a notice from Quicken that they had miscalculated my escrows, not by a few dollars, but by more than {$1000.00} per year. That made my mortgage payments go up to an unaffordable $ XXXX per month, and then an unaffordable $ XXXX per month after I had to borrow the money to make up for the missing escrows due to their error. This is more than {$100.00} more than I told them I could pay from the start. Had they done the escrows right by HUD regulations, I could have turned down the loan or lowered the amount borrowed at least to make it more affordable. I am on XXXX and ca n't afford those payments and they have substantially jeopardized my ability to keep my home because of the calculation error, and upped the payments more than {$40000.00} over the life of the loan. I informed them that my taxes were going to be around {$1400.00} a year after the homestead exemption was filed, and they based the tax escrows on those of the previous owner who was over XXXX and was only paying {$140.00} a year under a property tax freeze that I do not have. Also, he got an 80-percent reduction on the county school taxes because he is over XXXX, and that amount should NOT have been used to estimate my property taxes. They were supposed to use the amount I gave them and now it has substantially increased my mortgage payments beyond what I can afford on XXXX.
Product: Vehicle loan or lease

I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from XXXX XXXX stating that my account would be charged off within 5 days unless I resolved the issue I reached out that same day to explain my financial hardships. The very next day, I received a communication indicating that I had 30 days to rectify the situation and given a case number. Despite the 30-day notice, XXXX proceeded to charge off my account before the 30-day period had elapsed. 

When I contacted XXXX  to clarify this, I was informed that the agreement was no longer valid due to internal department changesinformation I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today ( XX/XX/XXXX ) on my third attempt to reach out and get a fair resolution I asked to speak to the supervisor but after being on hold was told it would not be possible with no clear reason why, so I asked if they could please have her call me back and they said it was not likely to happen. 

I am requesting that TransUnion investigate this matter thoroughly and remove this inaccurate and deceptive charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not authorize XXXX XXXX XXXX ( XXXX ) or XXXX XXXX XXXX XXXX XXXX XXXX  ) to open any accounts in my name or make any reports to my credit report. This is identity theft. I have NO knowledge of these accounts.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remive these accounts before i seek litigation for defamation of character ) XXXX XXXX  balance {$0.00}, self balance {$280.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX associate balance {$260.00}
Product: Checking or savings account

On XX/XX/2023 I was notified by CapitalOne that my account had insufficient funds for a debit card transaction. I had never used the debit card for this account, so I was suspicious and logged in to the account to check the status. It appeared that someone had managed to drain nearly {$1000.00} from the account through fraudulent transactions. I believe this to be the result of CapitalOne 's negligence for 2 reasons : 1 ) The debit card associated with this account was in my possession, never used and never taken outside the house. The only way the card information could have been stolen is a security breach on their end. 2 ) I have never used this card, and then suddenly multiple large transactions are placed on the opposite side of the country from where I live. These charged never should have been approved. 

I shared this information with CapitalOne immediately and they opened an investigation. While the investigation was ongoing they credited a provisional credit for part of the dispute amount ( {$320.00} of {$920.00} ). On XX/XX/2023 I received an email from CapitalOne stating that they have closed the investigation, apparently in my favor, as they state : " Good news! We finished investigating your dispute ( s ). Any temporary credits we deposited in your account are now permanent, and your dispute has been resolved. '' However, they still have not returned the additional {$600.00} that I had deposited with them.
Product: Money transfer, virtual currency, or money service

An international wire which was initiated on XX/XX/XXXX and had a XX/XX/XXXX value date, has been rejected by Wells Fargo on XX/XX/XXXX despite being told all requested information and documents have been received and fulfilled. 
It seems this bank 's " wire room '' and the " Global Compliance department '' are on two separate planets. My lawyer sent all the documents to the XXXX office back in XXXX, but on XX/XX/XXXX the wire room again said " We need a-z information and go to a branch and submit the document again in person '', I did, and called them the next day to make sure they have it which they said " Yes '', but guess what! Again after the weekend, they said we did not receive the info so we rejected the wire! 
More training is needed here, PLEASE! 
I have called Wells Fargo 's wire room at least XXXX times over XXXX weeks and heard XXXX different replies ( Yes! XXXX of them changed her reply twice in a XXXX call ). They all were courteous but unfortunately, none had a clue about what was going on ( including a supervisor ).
Product: Mortgage

A tornado hit my house, and caused damage. I dealt with the claim through the insurance, and after a number of weeks, had resolved the amount and was going to hire my contractor to repair the work. The mortgage company caught wind, and refused to allow payment from the insurance until I satisfied their documentation demands, which I did. I called to ask why they needed all of the information they were requesting, and they rudely told me it was their money and I had to do whatever they said. I sent the insurance check to them via USPS tracking to be endorsed. They apparently sent the fully endorsed check through standard mail with absolutely no interest in verification or tracking and told me via email that if I wanted security I should have paid for it myself ahead of time, and that it was not their problem if the check was lost or stolen, that I could just deal with the insurance company if that happened.
Product: Debt collection

This collection company "  PERFORMANT '' su bjects me to multiple RoboCalls every week at my place of employment. I work for an   XXXX   XXXX  . On  one occassion  I permitted the RoboCall to connect me with an agent whom I informed they are violating FDCPA rules of how, when, and where bill collectors can contact debtors. That they are contacting me at my place of work, which is a  XXXX , an   XXXX   XXXX   XXXX  , and I also informed their agent my employer does not permit such incoming calls to their employees. And finally, I informed their agent that I had retained an attorney to represent me in Bankruptcy filing and gave her my attorney 's information for all future attempts at contacting me. Unfortunately, the RoboCalls continue every week.
Product: Checking or savings account

Every time I would check my balance there would be a transaction for something from them
Product: Credit reporting, credit repair services, or other personal consumer reports

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX CARMAX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent accounts on my credit report. I submitted a comlaint with the FTC. I have attached my documentation and the report. Please remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been explained to me by all three credit reporting agencies, that they do not work for constituents ... they work for creditors. Their goal is to make one 's credit scores lower, so that the creditors can charge higher rates. 

I have two legittimate loan which have been paid to a company. I have submitted Notarized statements of the significant payments and closure of accounts. Theese belong on my credit reports.

All three have refused to place these on my credit reports for " your creditor is not one of our paying Partners '', They are intentionally keeping significant information of large credit accounts paid in full ( and early ) in order to help their real clients, the creditors to charge larger interest rates. 

I demand they place the attached in my file as positive creditor Activity.
Product: Credit card

I have concerns about how Chase handled a fraudulent purchase on my account. The purchase was stopped ; however we were not notified of a phone number change. They stated they notified us but said they could not provide proof to a customer -- a court order was needed. Additionally, when trying to work with their staff, they appeared to have many inexperienced representatives ; long hold times and pieces of misinformation. XXXX calls, two hours, XXXX rep 's and XXXX supervisors to finally determine what happened and ensure my account was closed.
Product: Payday loan, title loan, or personal loan

I am from XXXX XXXX, I met a guy on XX/XX/2019 around XXXX local time, who claim himself come from New York, and will stay in XXXX XXXX for work for a week. 
We exchanged contact number ( His Number : +XXXX ( XXXX ) XXX-XXXX ) for XXXX XXXX tourist information. 

Today XX/XX/2019 XXXX local time, I got a XXXX message from someone's Number +XXXX ( XXXX ) XXX-XXXX, which display he is from QUICKEN LOANS INVESTMENT, and said I applied for loan. 
I do straight rejected, and tell, I didn't apply for any loan, and ask to close case and delete my number. Then with no reply. 


I hope to protect my number and avoid any cases. 

Thank You
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 Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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: Money transfer, virtual currency, or money service

Good Day to you HELP Reference for family protection & support : Coinbase XXXX XXXX  XXXX # XXXX, XXXX XXXX, CA XXXX Coinbase, Inc. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Well you have to be XX/XX/XXXX before you can be smart! I feel XX/XX/XXXX 
Got scammed from a 3rd party acting as a coinbase customer service XXXX XXXX XXXX XXXX XX/XX/2020 was the date of occurrence ) and remotely trick us out of all our Cryptocurrency acting as coinbase and remotely stole Over ( {$11000.00} US Dollars ) Not even a wear of programs that can allow others to access your account acting as coinbase. How are we to know and over 1.5 years never any communication of security breaches, compromises and scams to be a wear of, be wear updates and protection. Not being able to speak directly with coinbase, no live chat. unknowing and with out any warning the ability to communicate was taken away. 
Countless amount of attempts to contact in any and all means. 
Complete compromise. Knowing this I would at least had a decision to cease or continue to do business. 
No protective measures in place, no customer service, no live chat, taking responsibility and or the notification of the deletion of phone support which was once in place. Customer service are key in financial matters. 
Thank you for your time and any assistance for our family would be grateful. It was a lot of money and needless to say no sleep as late. 
XX/XX/2020 was the date of occurrence XXXX, XXXX XXXX XXXX ) XXXX XXXX : /XX/XX/XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX -- -- - Forwarded Message -- -- - From : XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; Thank you for your interest. XXXX Sent : XX/XX/XXXX XX/XX/2020, XXXX XXXX  PST Subject : Scammed XXXX  acting as coinbase
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX