23daVinci/CFPB_Complaints huggingface dataset:
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 605B ( 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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. 
What would be a fair resolution to this issue?
Product: Credit reporting or other personal consumer reports

They have not sent ANY information it has been over a year since I asked for this information. Which I was told everything would be removed once they found out there is NO EVICTION from the state of GA for an eviction at all in my name for the dates they are claiming. They said that would take 30 days. That was XX/XX/year>. I also asked for them to show the dates they claimed I attended a court case. I have contacted the courts and there is nothing in my name for an eviction at all, because I was never evicted. 
Either way, the reporting requirements do not comply with fcra 611 ( 15 u.s.c. 1681i ) and needs to be deleted and permanently removed immediately. I do not appreciate having things like this in my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX Dear Experian, my XXXX attempt to write you to dispute the accuracy and validity of certain information that appears on my credit report. Account : XXXX XXXX XXXX XXXX Account : XXXX  Account : XXXX XXXX I am now within my right to request a reinvestigation per 1681i 611 I have enclosed proof that XXXX has XXXX IMFORMATION BECAUSE IT HAS BEEN DEEMED AS INACCURATE AND UNVERIFIAFIABLE. Please send information to support information or take the necessary ACTION AND DELETE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY. I expect a prompt response with all requested documents and the swift correction of my credit report to reflect accurate and verifiable information. NOTE THIS IS MY LAST ATTEMPT, I am in the process of seeking legal advice and I will get results pertaining to every inaccurate inquiry or account on my consumer report.Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX A ) XXXX, XXXX/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to update my credit record in preparation for a mortgage application. Both XXXX and Equifax have reported the exact collections reports from a medical facility. XXXX deleted XXXX reports within eight days and my record is now clear of negative information. Equifax seems to be stone walling my efforts. It is impossible to file an online complaint with Equifax because the site has a permanent screen display that indicates that they are undergoing updates and/or repairs! It is obviously nothing more than an effort to discourage the consumer.If an inquiry is made it is immediately reflected on reports from all CRAs. If XXXX investigates an alleged collection and deletes that collection, why is the same report not deleted from the Equifax record?
Product: Checking or savings account

My mother had written account beneficiaries that provided for a Payment on Death ( POD ) of her accounts. The Wells Fargo legal department approved the designations in XXXX. However, Wells Fargo refused to pay the accounts and release the funds from my mothers various remaining accounts. The failure to pay resulted in delay and cost to my family. My family is seeking reimbursement in the amount of {$5300.00} for costs related to the filing of a Florida probate case to compel the transfers and for the attendant legal fees. Attached is the cost accounting. 
The attached bank statements evince that there are POD beneficiaries which creates a reasonable expectation that all accounts were indeed payable on death. 
There were many email exchanges with Wells Fargo, but they would not release the funds in the above-referenced accounts, even though they released funds from other accounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). The accounts in question are : XXXX XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX XXXX XXXX XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 
Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

Equifax has medical information that has been sent to a third party vender XXXX XXXX XXXX thats has been listed on my credit report since XXXX When I try to dispute it Equifax will drop my credit report almost XXXX points instead of trying to fix the problem!
Product: Mortgage

My financial advisor scammed me in to taking out a reverse mortgage on my paid for home. I have never received any money from this reverse mortgage! I get a monthly statement from XXXX regarding the reverse mortgage it states this is not a bill. I have tried to contact XXXX multiple times but have been unsuccessful. No one ever answers. The financial advisor i mentioned above also took XXXX of dollars from me and left the state where I live. He can not be found last time I sued him!! I need help desperately!!!
Product: Debt collection

Did not hold their parking to the 5 % cashback never got 5 % cashback on the card that I spent with my credit card. They close my account but are still charging me fees that have reached {$1000.00} dollars. Also reached agreement and contract. If customer is unsatisfied with goods, purchased to contact customer service and dispute. Those charges for those charges to be removed with no limitation listed on the agreement or timeframe requested for items to be removed to close out the account that were never removed. The account remains closed but still gaining interest fees I did not ask them to close the account
Product: Debt collection

Portfolio Recovery from phone number XXXX continue to call my personal cell and my work phone. They are trying to collect a debt that was paid SEVENTEEN YEARS AGO. I ask them to stop calling and they become belligerent, hostile and tell me that they will not stop calling until I request they stop in writing. I have not given them my personal cell or work number and have no idea what illegal methods they used to obtain my numbers. They can not collect a paid debt from 17 years ago. They continue to call me a liar and claim I owe the debt and attempt to brow beat me into paying a debt I do not owe. XXXX from Portfolio Recovery just called my work phone at XXXX XXXX on XXXX/XXXX/2017.
Product: Mortgage

PMI removal. Submitted the lender 's appraisal dated XX/XX/21 to PMI group and asked for PMI to be removed from my mortgage payments. Asked for XXXX and XXXX PMI amounts to be applied to outstanding fees on my loan. 

I was told that PMI is paid in arrears. I know for a fact that PMI keeps 2 months of PMI in reserves for each loan. There should be no PMI paid in arrears. 

Requesting the {$210.00} for XXXX and XXXX to be applied/refunded to me. 

The lender 's representative said this was not allowed due to being paid in arrears.
Product: Vehicle loan or lease

This complaint is against Yamaha Motor Finance Corporation USA, XXXX  ID XXXX. 

This company is simply fraudulent. Their 1 star rating and lack of accreditation on the XXXX  website is a testament to that. This is the third time they have randomly tried to assess fraudulent fees for no reason. We have been set up on auto-pay for 8 years, and the amount due is always processed on the due date. In this instance, I have a statement for {$340.00} due on XX/XX/XXXX, and I have a digital copy of the bank payment of {$340.00} on XX/XX/XXXX. Yet, I received an email today, XXXX, stating my payment was overdue. I called and the fraud began immediately. The representative first told me we only paid {$300.00}, but owed {$340.00}. When I told him I'm looking at the digital receipt of my payment for {$340.00} as well as my statement showing the exact same amount due, he immediately changed his story, and said, " Oh, yes, you paid {$340.00}, but you owe {$380.00}. '' After requesting to speak to manager, I was put on hold 3 different times, and it was clear, they were willing to waste as much of my time as it took for me to give up. It's fraud, plan and simple. I've reached out to the XXXX  previously, but this has become extremely burdensome, which is why we are taking this additional action at this time. My wife and I have worked diligently to build credit scores over XXXX, and I will not tolerate fraudulent attempts to undermine that. Any assistance is greatly appreciated.
Product: Mortgage

I have been having problems with finances going back to XXXX  starting with bank accounts with unauthorized transactions connected to bank accounts that I didn't know existed and fake receipts... 
I am finding out problems with my mortgage and with the records at the city of XXXX XXXX department or file. I have been in touch with the mortgage company and also with the city of XXXX. The records department sent me a letter questioning some recent request for changes in the mortgage I contacted them and told them the changes were done without my authority without my permission without my knowledge I did not know of these transactions and changes. 
There was a sheriff sale I posted for my house and it was postponed XXXX times my mail has been forwarded to the wrong address going to XXXX in XXXX XXXX to an address that I never live there. The address used for this is also connected to a insurance policy and they bank account but the information that XXXX XXXX has and with the mortgage company has many issues. 
I don't have the money to be spending on lawyers to investigate a crime and if this is the case and the records in the city of XXXX computer system are tampered with I think I'm putting myself at risk when I bring this to their attention. 
I went and spoke with a lawyer in person this past Saturday and showed him all the documents and there is problems here for him to take action I have to pay him money to get involved with this but that's not the way the law should work if in fact this is a crime I've reported this why is it being ignored I've had nothing but problems and falsified information everywhere and no one has done anything about it and now when I'm bringing this to the XXXX department 's and a lawyer is showing the problems and changes to the records and asking them where the money went .... 
At what point do I cross the threshold of having law enforcement assist with this? 
I have multiple bank accounts with fake transactions fake receipts falsified mortgage records falsified tax records the list goes on and on at what point do I cross the threshold of justice for all... 
It is not a good feeling to know that people can break the law financially ruin me and no one investigates small financial crime... 
Is this the normal process? The citizen contacts the records office where records have been changed somehow and I have to verify this knowing that it's a crime to change the stuff and steal the money that's what the process is? Memes and motivation is money and access to records .... 
I'll wait to hear back from you it's just the rest of my life that's on the line but I have high hopes and the future looks brighter but it will depend on you... 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter to equifax on XX/XX/2019 and i have yet to hear back from them. I also monitor my credit report and havent seen any activity as to whether they have deleted anything on my credit report.
Product: Debt collection

We received a debt collection notice for hospital charges for a hospital that we have never visited. When we contacted the hospital, they were able to quickly confirm that the debt collection notice should not have been sent to us ( the date of birth of the patient is different than my husband 's date of birth ). The debt collection company knew that my husband 's date of birth does not match the patient 's date of birth because they somehow already had his date of birth when we first called them. But, they sent us the notice anyway.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court XXXX XXXX XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). TransUnion is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX  XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to respectfully request the removal of a late payment entry from my credit report, which I believe has been inaccurately reported and negatively affecting my credit history. The account in question is XXXX ( JPMCB - HOME LENDING ), and I am seeking this correction based on the existence of forbearance protections during the relevant period. The late payment was posted on XX/XX/2023. 

The forbearance agreement, effective XX/XX/2023, allowed me to temporarily suspend payments without incurring any late fees or penalties. As a result, the late payment entry on my credit report should not have been registered, as the account was under the protection of a forbearance program. Consequently, this negative mark on my credit report does not accurately reflect my payment history. 

I request that you please investigate this matter thoroughly and remove the erroneous late payment notation from my credit report. Ive attached documentation supporting my claim, including the forbearance letter provided by JP Morgan Chase. 

As a consumer, I understand the importance of maintaining accurate credit information, and I trust that you will prioritize fairness and accuracy in handling this request. A corrected credit report would greatly improve my financial standing and open up opportunities that have been impacted by this misreporting. 

Please respond in writing within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ) and inform me of the action taken to address this matter. If necessary, I am willing to provide any additional information or documentation to support my case. 

Thank you and I look forward to hearing back from you soon.
Product: Checking or savings account

Allowing large amounts of XXXX to come out my account unauthorized & not fixing it
Product: Debt collection

XXXX XXXX XXXX XXXX {$390.00} opened by unknown source on XX/XX/21. 
Disputed on XX/XX/21. Returned response... account information meets fcra requirements. 

I did not open this acvount nor did I.give anyone permission to open an account. 

This account is not mine. I want it remove from all credit relating to me. Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You
Product: Credit reporting or other personal consumer reports

I discovered a fraudulent account from XXXXXXXX XXXX  ending in XXXX, listed on my ChexSystems report. This account, reported with a charge-off amount of {$11000.00} and a closure date of XX/XX/year>, was not authorized by me and appears to be a result of identity theft. I sent a formal dispute to ChexSystems  on XX/XX/year>, requesting a thorough investigation and demanding copies of all documentation used to verify the account, including applications, identification, and internal verification records. I also requested immediate removal of the account if it can not be verified, written confirmation of the investigations outcome, and an updated ChexSystems report. 

ChexSystems repeatedly investigated the wrong account, despite my follow-up letters clarifying the nature of the dispute. After pointing out their mistake, they informed me that my dispute was " irrelevant '' and subsequently discarded my request without resolving the issue. This failure to investigate the correct account and their dismissal of my valid dispute have left the fraudulent account unresolved, continuing to harm my financial standing and violating my rights under the Fair Credit Reporting Act.