23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration concerning the presence of fraudulent accounts on my credit report, a clear result of identity theft. It has come to my attention that my creditworthiness is being unfairly tarnished due to these unauthorized entries, and I demand their immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

I remind you that identity theft is a severe crime, and your failure to act promptly may result in further damage to my financial standing and personal reputation. I expect you to conduct a swift and thorough investigation into this matter and take the necessary steps to rectify the situation. 

I demand the immediate deletion of the fraudulent accounts from my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ). Any delay or negligence on your part will be considered a direct violation of my rights, and I will not hesitate to pursue legal action to remedy the harm caused. I anticipate your prompt attention to this matter and request written confirmation of the removal of the fraudulent accounts within [ 15 days ] from the date of this letter. 

Your cooperation is not optional, and I expect a swift resolution to this egregious violation of my credit history. Failure to comply will leave me with no alternative but to escalate this matter further.
Product: Credit card or prepaid card

I need this agency to find the stimulus cares act payment and get the new payment time ongoing in XXXX For my debit card I am working with
Product: Credit reporting or other personal consumer reports

I'm writing to you because I have tried several times to contact kikoff credit services to get this fixed to my understanding per15 usc 1681 ( a ) 2 ( A ) ( i ) that my consumer reports should not solely contain information to transaction and experiences between me the person and kikoff the company further more I have requested that I be provided in writing the reasonable procedure according to 15 usc 1666 b that you adopted to ensure that each periodic statement is mailed to consumer not later than 21 days before payment due date and all information required under 15 usc 1637 ( b ) title 15 and since they have not provided this information I demand this be updated to paid as agreed with no late payments reporting
Product: Credit reporting or other personal consumer reports

I am not XXXX XXXX. I am XXXX XXXX. see case number XXXX attached. Stop with the delay tactics as I have been trying to get my credit report. Stop mixing me up with other people and get my information off of the emails directly if you can't read it as they are clear and in XXXX. I will file a complaint with Congressman XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and let them know your bad faith practices in XXXX  and XXXX Get new printers if you have trouble with your printers. Contact XXXX XXXXXXXX XXXX XXXX  if you have trouble reading it and ask the CFPB for a copy of the certified mail that was verified by XXXX yesterday to help me post a comment on another complaint! your offices have cost me more in insurance due to your mix ups and this needs to stop.
Product: Mortgage

After six months, XXXX & I have requested repeatedly to pay insurance & taxes but mortgage can said there not way.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the following inaccuracies on my credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Upon review, I have identified the following erroneous items : Billing Error ( Violation of 15 U.S.C. 1666b ) XXXX XXXX XXXX  Account Number : XXXX Request : Please remove this inaccurate information from my credit report immediately. 

I hereby request that you conduct a full and complete investigation of the above-referenced items and remove them from my credit report if they are found to be inaccurate, incomplete, or unverifiable, as required under 15 U.S.C. 1681i. Furthermore, as stipulated by 15 U.S.C. 1681i ( a ), I expect the investigation to be completed within 30 days of receipt of this dispute. 

Additionally, I request that you send me an updated copy of my credit report following your findings, free of charge, as mandated by the Fair Credit Reporting Act. Should any of these items be removed, I ask that you notify any third parties who have received my credit report in the past six months of these corrections. 


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

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments.
Product: Mortgage

I recently suffered the loss of XXXX my vehicles along with real estate damage due to a hail storm. I went in to purchase a new vehicle only to find out that my mortgage company ( Ditech ) is still reporting my mortgage in foreclosure despite having cleared the matter 3 months in advance. I was told that even as late as last month they are reporting it in default and foreclosure even though it 's current and has been kept current for 3 months. Little to say, I finally got a vehicle, but because of the continual dings on my credit from my mortgage company, I can no longer get an even half way favorable rate on a loan.
Product: Money transfer, virtual currency, or money service

My chase business account was used for automatic payments to individual credit card accounts at XXXX, XXXX XXXX and a few smaller banks, I did not authorize these payments nor do I know the individual account holders of the accounts that the payments were being made to. This happened over a 6 month period and happened XXXX times as I was not aware this was occurring until we started to run out of money in the account. Chase only helped out with about {$12000.00} of payments. {$54000.00} was in fact stolen over this period of time. The fact that we have the tracing numbers and the transaction details of every transaction, should allow them to contact the account holder of the credit cards being paid, but chase will not help with this. When we tried to contact XXXX and XXXX XXXX, they would not do anything at all to help. Please step in so I can tried to get back the money that was stolen. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I was only applying to one company when I got approved to buy the car. 

I've had CaptialOne credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( 7 ) related to my purchase on  XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : COAF - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 CAPTIAL ONE AUTO FINANCE - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, on XX/XX/ I mailed out a certified letter through US postage seeking a full disclosure of a previous re-investigations on the following negative items on my account which appear as follow ; XXXX XXXX Account # XXXX. Balance {$11000.00}. 

XXXX XXXX credit card Account # XXXX. Balance {$680.00}. 


XXXX XXXX credit card Account # XXXX. Balance {$110.00}. 

A second XXXX XXXX credit card account which appears to be double account with a slightly different account # XXXX with a balance of {$590.00}. 

XXXX XXXX XXXX Account # XXXX Balance {$0.00}. 
XXXX Account # XXXX. Balance {$400.00}. 

This credit reporting agency is in direct violation of the FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states that the consumer may request a description of the procedure used to determine the accuracy and completeness of the information. And shell be provided by the credit reporting agency. 
I also specified in my letter that any automated response or e-Oscar digital verification method would be unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX Bank Account shows on my credit report that should be deleted
Product: Credit card

I bought a ring from XXXX XXXX XXXX of XXXX. I agreed to a payment plan of {$100.00} a month for XXXX  months for a ring that costed {$1300.00} and I paid {$100.00} down. Now I owe {$1300.00}. They say its because of late fees but the late fees are only {$41.00} however, they charge other debits that are around XXXX XXXX  {$130.00}. I was late for a couple payments and the company says its because of the {$41.00} late fees. Which doesnt make sense if I have been paying for almost a year now. They also call me around XXXX  times a day including weekends and they will call me on no caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Debt collection

I have received multiple phone call messages to my cell phone from plus 4 inc. Saying i owe a debt. I called them on XX/XX/19 and XX/XX/19 in an attempt to learn more about this claim as i have the means and always pay my bills immediately. They will not give me any information withour first me giving them my date of birth. I asked if i could give some of that but not all since I'm cautious about being scammed, nor have i received any other verbal or written communication regarding an outdated bill from anyone. They said they would not, and could not, do anything until i gave them my birthdate to verify i am who i am. I am willing to cooperate and want to ensure my credit is not tarnished because of my rights to be properly notified by any party of a debt that they feel i owe. This is unacceptable and will be defended fully. I simply seek to understand what the claim is for and about so i can validate it's true before i provide personal information to this company not knowing if it's a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have sent this company certified mail three times since XXXX and asked for proof this debt was not paid and they never give me the information Im requesting but they keep sending me 100 things in the mail to pay it but are refusing to give me proof. I have all 3 certified mail receipts to prove they in fact received my request.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

May you please assist me. I have accounts that Im unaware of vouch, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day 5 children to feed. please remove this so I can buy our home. Please God Please.
Product: Checking or savings account

I reported a valid fraud claim to navy federal on XX/XX/22. After reporting the fraud on my acct I went use my debit card for a different navy federal acct only to find out my ALL of my debit cards were cut off. I called navy federal on XX/XX/22 to inquire about my debit cards only to find out they locked all of my cards for a year because of suspicions that I made possible fraudulent disputes or fraud claims. Navy federal never asked for any additional info for my claims nor additional correspondence to assist with my claims that they had in question. Navy federal assumed I was lying without allowing me the options to provide proof of otherwise. The rep at a local XXXX federal called me a liar about my fraud claims and even read off my P.I.I in public without my consent when I asked to speak with a XXXX. I was embarrassed as on lookers could hear my issue I was having with my account while speaking with XXXX at a XXXX, Tn location. I have a right to report fraud or even disputes on my accounts and to feel like I will be penalized for doing so is not right. This makes me scared to report possible future fraud or dispute charges with them. I have never had this experience with any other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXX XXXX  TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

I spoke to Credit Corp back on XX/XX/XXXX and asked to cease and desist Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe.

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Attorney Generals office.

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. 

They stoped how ever on XX/XX/XXXX they continued. I will now fill a lawsuit against them for harassment and now demand XXXX per phone call made to me after asking them to cease and desist which is over 50 calls
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XX/XX/2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXXXXXX XXXX,2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 2 days I had 2 hard inquiries on my credit report from Thd/Cbna that were made, that weren't me, and I gave no permission, and am no co signer of any kind! 1 hard inquiry was XXXX, 1 XXXX. The company is located in XXXX Tennessee, I've called repeatedly, but theres no custom service, and no live agent to speak with! I fear this may be identity theft, or possibly a debt collector making illegal hard inquiries on my credit report! The dates of these instances were around XX/XX/XXXX of XXXX separate hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service ( IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX  {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in my XXXX  XXXX account to check my credit score. i saw my credit score drop XXXX points even though i have been making payments on time and i went to check my credit report to see that there was a delinquent charge from collections from a bureau named : XXXX XXXX XXXX XXXX. 
And the original lender is : XXXX XXXX XXXX. 
The loan was the amount of {$740.00} As well i have no memory of this company nor have i ever dealt with them before. 
All i ask is to please help thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XX/XX/year> Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party Owed : XXXX XXXX. 
Amount : {$850.00} Party Owed : XXXX XXXX. 
Amount : {$600.00} Party Owed : XXXX XXXX Amount : {$510.00} Party Owed : XXXX XXXX Amount : {$1900.00} Party Owed : XXXX XXXX Amount : {$250.00} Party Owed : XXXX  Amount : {$1000.00} Party Owed : XXXX  XXXX  Amount : {$3000.00} Party Owed : XXXX XXXX Amount : {$2500.00}
Product: Debt collection

XXXXLetter mailed but no response. Letters were sent to TRANSUNION, XXXX, and XXXX. Please send complaint to all parties.
Product: Checking or savings account

On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. I am happy to additional information regarding our situation at your request. 

On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX, reference number XXXX - which I received the following reply : " We researched your concerns in regard to the {$400.00} promotional bonus that did not post to your checking account ending in # # # #. At Wells Fargo, we pride ourselves on developing and maintaining quality financial relationships and strive to consistently deliver the exemplary service we know our customers deserve. It was difficult to learn that we have not met your expectations. Your comments are very important to us, as feedback is vital to providing stellar service. After a thorough review of your Wells Fargo XXXX XXXX account ending in # # # # our records show that your account did met promotion criteria based upon the direct deposit activity on the account. Your account has received a total of six deposits in the amount of $ XXXX totaling to $ XXXX within the 90 day period. As a courtesy, we have completed the incentive not received form for further review of your account. Once the form is reviewed and determined all the requirements were met, we will provide you with the promotions bonus. Your account will be credited within 10 business days. '' However, I still have not received the promotional bonus to our account nor have I been contacted by Wells Fargo regarding its status. I reached out to Wells Fargo customer service but they do not appear to know how to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house however when I went to review my credit report, I notice some derogatory accounts on my report. I asked them to remove all this information immediately, they sent back information stating this account has been verified but did not send me a purchase agreement or any information confirming it. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 0 2 a ) states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

They just closed my account for no reason after being a loyal customer since 2015
Product: Student loan

Entered into income-based Repayment plan InXX/XX/2011. I was working for XXXX XXXX XXXX so the employer was proper. Last year Navient realized that since I was in the public service loan forgiveness program my loans should be switched to XXXX. My loans were switched. I am not getting credit for any of my payments To Navient. They can not explain to me why. I have submitted requests for review on four separate occasions.