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

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a XXXX  mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXX account XXXX name : XXXX XXXX XXXX XXXX account XXXX, name : XXXX account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren & # XXXX ; t reporting correctly. 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: Vehicle loan or lease

flagship denied my request for a LOAN MOD AND EXTENSION OR DEFFERAL OF PAYMENTS AND WAS DENIED. I LOST MY JOB AND NEED CAR TO LOOK FOR OTHER JOBS.
Product: Credit card

Midnight Velvet is reporting an account on my credit report with account number XXXX. They are reporting inaccurate information between all XXXX credit reports. On XXXX and XXXX they are reporting a balance of {$140.00} while on XXXX they are reporting a balance of {$4.00}. Then on XXXX and XXXX they are reporting a past due balacne of {$80.00} while on XXXX are reporting a past due balance of {$4.00}. On XXXX and XXXX they are reporting the last reported date as XX/XX/XXXX while on XXXX the last reported date is XX/XX/XXXX. This account was also disputed several times and they failed to mark this account on my credit report as disputed which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX is reporting fraudulent amounts of money and information to my credit report.
Product: Debt collection

On XX/XX/year> I paid the amount agreed to in the settlement letter to pay to delete to security credit services through there lawyers XXXX XXXX. Because they took legal action against me and opened a lawsuit against me.they sent me a letter in the mail stating I can pay a certain amount to settle the debt or take a risk of going to court and being sued and losing. I decided with the threats and legal action taken against me to settle the debt out of court. I paid the debt. The debt cleared on the XXXX of XX/XX/year>. But security credit never reported that the debt was paid. The lawyers they had XXXX XXXX. Said I would receive a letter stating the debt was paid but I never received it. And Everytime I have disputed the information as paid and settled and deleted it is never updated by XXXX or XXXX. XXXX XXXX has the debt by security credit services duplicated and on my account twice for the same debt. They are damaging my credit with reporting false information and violating my rights. I would like this information removed. XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX of XXXX. XXXX XXXX president of security credit services and XXXX XXXX. And XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

This is my 3 or 4th complaint about Chase card service. They have treated me like a criminal since my identity was stolen in 2021. I am still fighting with them to close an account that was opened in my name. They finally after almost a year and half closed my 1 account I had with them that had the {$6000.00} fraudulent charges on it. After getting a lawyer. Now they are still giving me the run around with the account that was opened in my name. I have not opened any new accounts with Chase. I only had the one account with Chase. Ive sent the police report, Ive called, Ive emailed and still not closing and removing from my credit report. My score was over XXXX now its a XXXX due to Chase not believing or responding to my identity theft report. I am not paying for an account that is not mine. I didnt open the account with the {$600.00} balance.
Product: Debt collection

I don't know who this company is. They never leave a message and it's a robot when you pick up. They call every day including Sundays before XXXX and after XXXX.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, my Oportun XXXX XXXX XXXX and phone was stolen and was used to make multiple fraudulent transactions which I reported to Oportun the following day after receiving email alerts from Oportun asking me to verify recent transactions which I responded that I didnt authorize. My card was blocked by Oportun and a claim was filed for the the following XXXX charges ; XXXX # XXXX ; {$610.00} XXXX XXXX XXXX ; {$200.00} XXXX XXXX XXXX : {$25.00} XXXX received my new Oportun card in the mail shortly after and activated it but as of today XX/XX/XXXX, those fraudulent charges are still reflected on my account with interest and late fees being charged for the past two months totaling a current balance of {$950.00}. I dont know if my credit score has been negatively impacted either. everytime I called Oportun almost on a weekly basis to get an update and spoke to multiple supervisors, I was told the same thing, just to wait. Until two days ago I found out that Oportun transactions review department didnt finish confirming the fraud that happened in XXXX because along those three fraudulent transaction I posted above, there were other attempted fraudulent transactions which were blocked by XXXX fraud system and they wanted to verify if I was the one making those transactions. I confirmed to them that I indeed didnt authorize any of the attempted blocked charges in question and they apologized that it took this long. It has almost been 90 days and no resolution has been provided. Shame on Oportun
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. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX  - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX  - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOE/XXXXXXXX  - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I filed a claim with my homeowners insurance for damage that was sustained during a storm back in XXXX. The claim was approved and I was sent a check to start having the damage fixed. I come to find out that supposedly my claim is a tracked claim and I am being forced to jump through hoops to get the check endorsed by the mortgage company so that I can have the damage fixed. This company is making it very difficult and now my home has sustained more damage due to their issues. I have XXXX and do not handle situations like this well. They are also forcing me to pay money to have the check overnighted back to me to speed up the process even though they are the ones forcing me to do this. Times are tough enough and having to pay {$45.00} to have this matter expedited is sickening. I am a veteran and they are making it extremely difficult for me just to get my home repaired
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX Subject : Formal Dispute of Duplicate Reporting Account # Ending XXXX Dear XXXX XXXX, I am writing to formally dispute inaccurate and duplicate reporting of my account XXXX  ending in XXXX on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account twice : once as a positive account in good standing and again as a charged-off account. This duplicate reporting is misleading and harmful to my credit score. 
Under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide accurate information to the credit reporting agencies. By reporting the same account twice under different statuses, you are violating this provision.

I am requesting the following actions be taken immediately : Remove the duplicate entry from my credit report.

Provide written confirmation that the error has been corrected and no further duplicate reporting will occur.

If this matter is not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue additional legal remedies to enforce my rights under the FCRA.

Please respond to this letter in writing within 30 days of receipt, as required by law, to confirm that the necessary corrections have been made.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this situation with Equifax on multiple occasions but they are non-compliant and negligent in their reporting of my account they have still after multiple attempts did not remove the inaccurate items listed in the following complaint.
Product: Debt collection

I disputed once before but have not received any info asked for in complaint also original debtor wrote off the debt which makes portfolios harassment illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept of EdXXXX. There are also inquiries on my report that .I know nothing about XXXX, XXXX XXXX XXXX  , XXXX , XXXXXXXX , XXXX XXXX XXXX AND XXXX .
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX  # XXXX 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 reviewed my Consumer Reports and noticed that I had XXXX late payment on an account I was never late for. Consumer reporting agencies have assume a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate public record concerning a XXXX  XXXX bankruptcy from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused me significant financial hardship, severely impacting my ability to provide for myself and my family. I believe that the record has either been inaccurately reported or remains on my credit report longer than is permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Trans Union to verify that my signature ( wet ) was on any of these 7 inquires that's showing on my credit report I have a fraud alert set up on my account that is suppose to notify me of any credit activity. I never applied to any of these companies. Trans Union isn't following the Data Furnishing Standardize Policy by verifying all data before applying it to a Consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a pending investigation into XXXX Uiversity for fraudulent practices. My Navient federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called Navient multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.
Product: Bank account or service

On XX/XX/2016 at approx. XXXX., {$64000.00} from our Real Estate IOLTA account at Wells Fargo Bank was to be wired into XXXX for a closing which took place on XX/XX/2016. XXXX XXXX was the banker who supposedly did the transfer. We have confirmation of Outgoing Wire Transfer Request and confirmation that the money was taken out of our account. Wells Fargo Bank never processed the wire transfer. On XX/XX/2016, I spoke with the banker, XXXX XXXX and bank manager of the XXXX, CT branch of Wells Fargo, XXXX XXXX, where the wire transfer transaction occured. He stated that it was their fault but could not offer any reason as to why the transfer never happened. This has long reaching ramifications for our law office, not to mention the fact that the Seller 's attorney can put a grievance against our firm due to the failure of Wells Fargo to process the wire transfer.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Loan Servicer : Selene Finance LP Selene Finance Agents Spoken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem : Unable to reach a resolution regarding my mortgage that doesn't entail foreclosure In XXXX of 2016, I went on medical leave. By XXXX of 2016, I found myself unemployed while I was still on medical leave. Up until 21 months ago, I was able to keep up with my mortgage payments until all of my savings, checking and XXXX were depleted due to medical expenses. 

I signed a modification agreement in XXXXXXXX of this year. The terms of the reinstatement of the mortgage was contingent upon the settlement I was due to receive. I advised the Selene Finance agent ( XXXX XXXX ) at the time that the settlement would be confidential and I could not guarantee that I would be able to cover the balloon payment. 

The settlement was not enough to cover the balloon payment and I advised XXXX XXXX of this information. He has asked me several times to send the paperwork regarding my settlement to Selene Finance disregarding the number of times I have told him that the settlement agreement was confidential and I can not advise anyone of its terms. 

When I asked Selene Finance who owns my mortgage loan, they would not give me that information. I had to go to the county courthouse to find out. Unfortunately, the owner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX entrusts all of  the mortgage decisions to the loan servicer. In my case, Selene Finance LP. So, I am back at square one dealing with some of the most unhelpful individuals. 

Despite numerous futile attempts to have a mortgage resolution with Selene Finance LP, they remain unhelpful and uncooperative. They have advised me that the investor does not want my home but, they ( Selene Finance ) do not want to work with me to help me stay in my home. 

I have asked if the outstanding balance be tacked on to the end of the loan and the terms of the mortgage lengthened. Their answer - no. I have asked if there is any amount that I could pay besides the outstanding balance to remain in my home. Their answer - no. In my opinion, they do not want to help me at all. 

I am trying to get back on my feet after being sick for the past 3 years and suffering a severe financial loss. All of my efforts to work with the Selene Finance LP agents listed have fallen on deaf ears.
Product: Debt collection

this account is 9 years old, the information that they have in the system is the following " due to the age of this debt, we will not sue you or report it payment or not payment to the credit bureau. 

open date XX/XX/2007 for the amount of {$600.00}.
Product: Credit card

Barclays improperly handled my dispute request against XXXX XXXX XXXX for {$81.00}. They are refusing to remove the charge from my account for merchandise that was not wanted and never shipped.
Product: Credit card or prepaid card

Hello CFPB, I " XXXX XXXX '' had Gap Store Credit card issued by Synchrony Bank, and have used it for few months, around last quarter of 2018. Card Number is XXXX XXXX XXXX XXXX. I have provided a my latest address to card issuer but have never received any statement, or any form of communication at my address. I am holding XXXX card too but had never faced any communication problem with XXXX. However Synchrony Bank ( Gap Card ) seem to be not sending appropriate communication and charged me multiple late fees and put me into delinquency. I didn't even a communication on this as well. 

Recently When I went to XXXX to lease a car, I came to know that my score is very low and I figured out that Synchrony Bank has spoiled my credit history by reporting me delinquent. Now I am holding a credit score of about XXXX ( down from 750+ ). I was not granted a lease, then my husband has to sign a lease for me. 

Please help in addressing this matter with synchrony bank, as I am carrying a bad score and bad credit history because of Synchrony Banks fault. I am hopeful this matter will be resolved in my favor and my Credit history will be fixed too. I want to mention that I made my payments to the bank after speaking over a call, without even receiving any communication from Bank thereafter. 


Regards XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.