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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully requested Equifax for the following actions to be taken. Equifax stated that a investigation has been made but failed to send me documentation and validation of the Inquires I did not authorize : 1.Conduct a comprehensive investigation into the unauthorized credit inquiries mentioned In previous investigation XXXX. XXXXTo notify the relevant creditors of the violations and demand the immediate removal of these unverified accounts from my credit report. XXXX. I asked for you to Ensure that my credit report accurately reflects my financial history by expunging all unauthorized inquiries. The inquiries bellow for they are a result of Identity Theft 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 
The unauthorized credit inquiries listed above potentially violate the following sections of the Fair Credit Reporting Act ( FCRA ) : Section XXXX : Permissible purposes for obtaining a consumer report. Section XXXX : Responsibilities of consumer reporting agencies to ensure the accuracy of consumer information. Section XXXX : Consumer 's right to request and dispute information in their credit report. Section XXXX : Procedures for disputing inaccuracies on credit reports. 
Once again I eagerly await your response and the subsequent steps towards rectifying this situation. Thank you for your commitment to consumer protection. 


Sincerely, XXXX XXXX
Product: Debt collection

Duplicate XXXX account for {$890.00}??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

I visited tcf branch atm to make a cash deposit to my account. The ATM encountered problems and it didnt process the full deposit. The ATM didnt release the rest of the funds back to me. It kept it and told me to contact the branch. It has now been 24 hours and not only am I without my money but I also have hundreds of dollars in overdraft fees because of this matter. I filed a dispute with the bank and Im being told I have to wait 5 business days for the claim to be finished before I can retrieve my money back. Its bad enough Im without a job due to covid so to be without more money and no compensation while tcf correct this issue is wrong.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuite against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXXXXXX - {$3200.00XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} XXXX XXXX XXXX  XXXX - {$180.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Checking or savings account

I want to close my East west XXXX checking account ending in XXXX, I called the Bank on Friday XX/XX/2020 to close the Account, the customer service agent said I will have to go to the bank to close the Account. I don't understand why this Bank makes you go for ever small thing to the Bank, and specially in this Coronavirus. This is crazy. 

Even when I had to apply for the credit card, I had to go to the branch personally. I have already deposited the check in my another Bank Account and all funds will be taken out of East West Bank on XX/XX/2020, I want my Account to be closed by that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 

Also in addition to Sectio

n 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance du
e to this inaccurate information reporting. 

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

Accounts there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Product: Payday loan, title loan, or personal loan

WELLS FARGO is responsible for incorrect billing and/or accounting errors. I tendered full payments for the mentioned accounts ( please see attached documents ), but the amounts were encoded incorrectly. Please correct this information immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX  XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
Transunion LLC reported on behalf of : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30-60 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

In XX/XX/year>, I switched my cellular carrier from XXXX XXXX XXXX to XXXX. In the switch I opted for the XXXX XXXX plus. When my device was received/activated, I had extremely poor service quality with numerous dropped calls and was unable to make/receive calls. After about a week of complaints and working with XXXX technicians, troubleshooting, they determined that it was my device and sent me a replacement device. The signal quality did not get any better and I still could not make/receive calls from inside my house. After much frustration of having no connectivity/dropped calls, I switched back to XXXX XXXX XXXX  XXXX 

After switching back to XXXX XXXX XXXX, I received two ( 2 ) return authorization labels from XXXX for the XXXXwo ( 2 ) devices ( the original and replacement ) that I had. BOTH devices were returned.on XX/XX/XXXX ( Please see attached XXXX XXXX XXXX XXXX XXXX XXXX When the tracking reflected " Delivered '', I called XXXX and was told that yes, they had received both devices on the same day. 

I yet received a bill in XXXX. I called and was told that yes, they had the devices and my account would be updated. Again in XXXX. I received a bill and called and again was told that my account would be updated. Again in XXXX. I received a bill and called and was told that my account would be updated in 48-72 hours. 

In XXXX, I received notification from XXXX that my credit file had been updated with a collection account. IT WAS XXXX!!!! I called XXXX and the automated system directed me to ICSystems ( collection agency ). I called IC Systems and was told to write a letter. I did write that letter ( please see copy of the certified letter return receipt ). They responded with just a copy of the same XXXX bill which XXXX had sent to me. 
In addition, in XX/XX/year>, I filed TWO disputes with XXXX and the issue remained unresolved. 

Now we are up to XXXX and in my continuing to attempt to resolve this egregious allegation by XXXX that I owe them {$1000.00}, I send a letter to the XXXX correspondence address ( please see enclosed a copy of the letter and the copy of the certified letter return receipt ). I don't know exactly when they received the letter, because the receipt is not dated, but today, XXXX XXXX, I have not received ANY update from XXXX and the collection annotation remains on my credit file. 

PLEASE HELP ME! If this doesn't yield any results, the only other thing that I know to do is to file a lawsuit, for harassment and mental anguish. This is seriously taking a toll on my emotional health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, Experian and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates payments will be removed. 
XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Capital one asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. Capital one did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that capital one comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If capital one doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA. 

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXX to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXX should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.
Product: Mortgage

The last XXXX months I have had issue with Statebridge Company, XXXX receiving my mortgage payment in a timely fashion. Once I even sent it XXXX day priority mail and it did not show up until the XX/XX/XXXX. This month I sent it with enough time to be received and to date they have not processed the payment. I believe they are trying to gain late fees on my account along with the others that I see in the list of complaints against them. They told me they can not guess what the post office will do but going from XXXX to XXXX CO should not take 9 days. I believe they are sitting on payments and only processing them when someone calls them to complain. This is not good customer service and I can tell you that they do not care. I know this based on the last conversation that I had with the young lady. She said why did you not mail it on the first, I stated I had to wait on my payday and she said well you need to give XXXX business days for us to receive it so if I get paid on the XX/XX/XXXX and mail on the XX/XX/XXXX then I will be late because XXXX business days is around the XX/XX/XXXX of the month. That is not an acceptable answer and surely they have enough people to process the loans that they have purchased from other financial institutions. I tried for a week to contact them to set up ACH and could not even reach a customer service XXXX Now I want to refinance and know the value of my home is not in a position that I can do that. So frustrating to deal with incompetence and them to tell you its the postal service does not work for me.
Product: Money transfer, virtual currency, or money service

After signing up for a Revolut account and exchanging money to dollars they will not let me transfer the money to my XXXX XXXX account. This company scam discloser tactics should be prosecuted, as soon as you transfer the money they change the terms of the disclosures. Stay away
Product: Mortgage

On XX/XX/XXXX I closed on a mortgage refinance with Lakeview Loan Servicing. They had sent ( I believe ) a third party to my house to sign the closing documents. I believe this was a third party because she could not answer any questions I had for her. She did inform someone would be in touch with me regarding my payment information. 

This was a refinance of a loan that I already had with them. They had my loan after my local bank sold it to them. On multiple occasions, I have checked my online account with them. I could only see my old loan information. I contacted them on XX/XX/XXXX but was not given any answers to the questions I had regarding my account. I was told that I have a new loan number, but was not given the loan number. I was told that my payment is due at the XX/XX/XXXX of the month, but have not been given an amount to pay and no way to pay it. I asked about getting my online account fixed but they told me that I needed to add my new account number to my account. As well as not knowing the new account number, it seems as if my account is locked. I am unable to access my account online, I can only log in and see the old information, but am unable to open any of the menu options. I am also unable to make a new account, as it recognizes my information when I try. 

I explained this to Lakeview Loan Servicing on multiple occasions. I was told on XX/XX/XXXX that a representative would reach out to me. I have not received any information from them since that email on XX/XX/XXXX.

I am trying to pay my mortgage. I want to pay my mortgage, but I am afraid they will not contact me and will only send me a notice when they can charge me late fees and hurt my credit.
Product: Debt collection

XX/XX/2022 I had a debt I never authorized sent to my collections. This was identity theft. I spoke with XXXX  and was told I would owe no debts and my accounts would be removed. I now see I have this debt owe my credit report and its fraud.