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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Formal Complaint Regarding XXXX  Handling of Disputes for Late Payments Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their failure to properly investigate and resolve my disputes related to four late payments on my credit report. Despite my repeated efforts to have these inaccurate late payments removed, they remain on my report, adversely affecting my credit score and overall financial well-being. 

I initially began disputing these late payments in XX/XX/year>, continuing through XX/XX/year>, without any resolution. Frustrated by the lack of progress, I resumed my efforts in XXXX and XX/XX/year>, yet XXXX has continued to mishandle my disputes. Their failure to conduct proper investigations and resolve inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to : Conduct reasonable investigations of disputed items ( 15 U.S.C. 1681i ).

Correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681c ).

Refrain from re-inserting inaccurate information without certifying its accuracy and notifying the consumer ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 
XXXX  repeated negligence in addressing these disputes not only breaches these provisions but also significantly threatens my access to credit, employment, and housing opportunities. This ongoing issue has caused undue stress and has hindered my ability to maintain a clean credit report, which I am entitled to under the law. 

I respectfully request that the CFPB take immediate action to ensure XXXX complies with their obligations under the FCRA. I also ask for the removal of these erroneous late payments from my credit report, restoring my credit score to its rightful state. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to enforce compliance and protect consumers like me from such detrimental practices. 

Sincerely, XXXX XXXX
Product: Mortgage

regarding US BANK, In early XXXX, I reached out to loan servicer to assist with payment assistance and was provided with options on-line. I agreed to payment arrangement but the servicer still is reporting credit bureaus and was not mentioned in the online proposal. I later received documentation that supposedly indicate, my credit would still be hit. The paper work was only sent on XX/XX/XXXX and not recieved until after XX/XX/XXXX which automatically hit my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for Loan XXXXXXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.
Product: Debt collection

Medical debit paid but still effecting credit score ; account showing balance due ( see below ) Account : Account Details Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$370.00} Remarks Placed for collection Creditor Contact Details WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX ( XXXX ) XXXX DATE AND BALANCED PAID : Date paid : XX/XX/XXXX Amt paid : XXXX
Product: Debt collection

I received a phone call stating that I had a debt and that documents were prepared to be delivered to my place of employment. I called and was informed of a debt for XXXX that I had no prior knowledge of. I was told the debt was from 2005 and they couldnt tell me anything about it, besides where it was from. I called where it was originally from, and they stated the amount was {$250.00}. I have been shown no proof of a XXXX dollar debt, and have received no notice of my right to dispute this. I was only told if I could n't make {$90.00} per month payments that legal action would be pursued. I was mailed a consent form to sign so that they could take money fron mt account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have sent a certified letter to Transunion & XXXX XXXX  disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than 45-days with no resolution, from XXXX XXXX. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a single delinquent account on my credit report through Equifax that is negatively affecting my credit. This account must be fraudulent as it has been removed and then reappeared a number of times through Equifax along with XXXX and XXXX. Currently the Equifax website reports that the " Online Dispute Feature '' is unavailable, and the account number shows " xxxx '' on the report, so there is no way to select the account through the phone service. The phone service will not let you speak to a human or provide another solution for disputing an account over the phone. It just hangs up on you after a while. Submitting my dispute through the mail is not a viable option for me at this time. For a company with so much financial power they are completely unfit and provide inadequate service for such an important part of modern society.
Product: Debt collection

In XX/XX/XXXX, CitiFinancial claims I had a personal loan with Citi Financial for {$5400.00}. 
- In XX/XX/XXXX, they stated there was an agreement where a term of no interest, penalties or fees on the remaining balance ( 2 years old ) and monthly automatic payment were withdrawn from my bank account. 
- At some point, the auto withdraw was stopped. I assumed the debt was settled. I never was notified about any other dept or balance. 
- They ( Citi Financial ) told me today that on XX/XX/XXXX, they did charged off for the balance of this account. 
- In addition, they ( Citi Financial ) said on XX/XX/XXXX Citi Financial filed and received a Judgment in the amount of {$5.00}, XXXX. More than the initial debt and no credit for monies paid. 
-I bought three different homes. All three were through XXXX XXXX. Both myself and my load officers contacted Citi Financial and was told no debt was on file and no outstanding debt was owed. These documents were part of my loan closing. In addition, the three credit bureaus removed the information from my credit report. 
- Now, here in XX/XX/XXXX, they are sending me a " Notice of Forgiveness '' for the amount of {$2600.00} ( 9.75  years Later? ). I will be given a XXXX for that debt. 
Should I not have gotten this XXXX when the alleged account was Charged off in XX/XX/XXXX? Or, some attempt to collect in XX/XX/XXXX? How much were the automatics payments taken from my bank account? 
- I am disputing this attempt to issue me a XXXX on the alleged account and the balance of {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX/XXXX, XX/XX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 

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


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I opened an online account with SunTrust in the amount of {$75.00} on XX/XX/XXXX XXXX After being processed I was sent an email days later stating I needed to make a deposit which {$50.00} of the {$75.00} was suppose to go to my checking and the other {$25.00} was to fund my savings .I had not received a debit card nor the check when I made the first deposit of $ XXXX.XXXX. A second deposit of {$79.00} was made on the XXXX and a 3rd deposit of {$29.00} was made on the XXXX. 
Thursday morning as I'm checking to see if the 3rd deposit has post, My account has been restricted and it's instructing me to call the 1800 number listed. With no warning, email or call I find out my account is closed. After speaking with several representatives no one could tell me why my account closed.With no access to my funds I'm left waiting for an investigation on my account and no way to get my funds. I make my money by double gig jobs and that was the only money that I have..That money was to fund grocery for my daughters, and pay the balance a {$30.00} remaining balance on my electric bill .... I don't have anyone I can turn to for financial help ... ... this has really inconvenienced me, as I had already taken a major loss with COVID-19.
Product: Credit reporting

Hello, I called the credit reporting agency and after they confirmed verbally that they have my chapter XXXX information on file they refused to work with me any further saying they have the right to continue to report the account as open even though it has been discharged. 
Creditor Contact Details : XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, Subject : Formal Dispute and Notice of FCRA Violations To Whom It May Concern : I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report.

These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinstatement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within XXXX business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts. 
Request for XXXX XXXX I request the following actions be taken within 5 days of receipt of this letter : 1. Removal of the fraudulent accounts from my credit report.

2. Provision of all documentation used to verify the accounts accuracy and legitimacy during the reinsertion process.

3. A formal response acknowledging your compliance with this dispute. 
Notification of Escalation If the above actions are not completed within the required time frame, I reserve the right to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 
Pursue legal action under FCRA Sections 616 and 617 for willful or negligent noncompliance, seeking statutory and actual damages of {$1000.00} per violation, as well as attorneys fees. 
This dispute pertains to the unlawful reinsertion of previously removed information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION RELATED TO XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OCWEN MORTGAGE. THIS IS A FRAUDULENT LOAN.
Product: Checking or savings account

I opened the account on XX/XX/year> by depositing ( XXXX ) XXXX checks for {$940.00} each. I thought I was depositing a replacement check for XXXX and my XXXX check but instead of sending the replacement for the lost XXXX check, Social Security mistakenly sent me a replacement for my XXXX check. I deposited ( XXXX ) XXXX checks ; XXXX good and XXXX with a stop payment order. Bank immediately put a hold on the account and all attempts to explain and resolve were met with silence. Bank finally closed the account on XX/XX/year> saying they will remit the account balance of {$940.00}. They have not sent the funds a whole month later
Product: Debt collection

XX/XX/2015 in the amount of {$890.00}, I have tried to call and set up payment plans. Before I had a job but now I am not working.
Product: Debt collection

Tried to work with company about giving me information on how I am supposed to owe so much? Not willing to give information called original company refused to give information creating fraudulent charges rude and hung up in my face.
Product: Debt collection

LOCKHART, MORRIS & MONT Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the collection agency recently placed a bill on my credit report from a XXXX XXXX visit I made to XXXX XXXXXXXX. At the time I was a XXXX XXXX  and unemployed so XXXX XXXXXXXX gave me their charitable write off ( not the exact name ). When I disputed the debt the reply they gave only stated the debt was verified as correct, but it isn't correct at all. I don't owe the debt, the problem was timing, it was sent to collects before 30 days, even though the hospital financing dept was sending it for a charity write off. Plus, the collection agency is falsely stating the account was opened XX/XX/XXXX. I haven't been to any hospital, ER since XXXX, so I asked them for a copy of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to you all and I didn't get a response, an you all have at least 30 days to respond, please investigate my dispute, thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX  XXXX XXXX XXXX XXXX Please help
Product: Credit card

My credit limit was decreased. I tried calling customer service and was told two different answers and was given the runaround. I am trying to appeal a decision and was not helped
Product: Credit card

Last month i disputed a transaction on my capital one credit card against XXXX XXXX for {$130.00} and for {$150.00}. Capital one gave me credit for it, at the same time Capital one will conduct a investigation which i understand is a standard procedure. Few weeks past and Capital one send me documents supporting XXXX transaction. i was given ten days to reply by Fax, I did and said none of the documents support that I " XXXX XXXX " authorized the transaction, no location, nothing imply. Capital one re bill me for these transactions, I try to email them asking when will these transaction be credited again but sadly the answer was we dont know. I did not made these transactions and i would like to be credited again. Attach are the documents from Capital One and conversation we had
Product: Checking or savings account

On date XXXX i withdrew {$2500.00} from my other bank account attempting to deposit funds in my Bank of America account via ATM machine, i was unable to as i need a new pin. I was with my fiance whom allowed me to upload funds to his account using his visa debit card ending in XXXX via cash deposit. ATM message stated it stopped counting at {$2200.00} i have message attached, atm did not upload {$1.00}. I put in a claim the following day as customer service was closed. I have attempted to expedite my claim XXXX and was denied. I was told by a supervisor today my funds will not be returned until XXXX. This is a bank error, i am a consumer who is being Denied my funds that the bank has at this point this is fraud! It is my funds that i worked hard for. I am now unable to pay my due bills and not able to celebrate the holiday due to the bank holding my funds without cause.My fiance has gave permission several times on a recording line to access his account regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily CLOSED my XXXX  XXXX  account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.
Product: Vehicle loan or lease

I traded my vehicle in at a car dealership and was approved for a new loan. I received the paperwork and was informed by the dealer that my loan would be paid off. I called my old finance company and informed them that the vehicle had been traded and not in my possession anymore. They continued to call me for payment. There was a delay on the dealerships part in paying off the loan. I receive an email finally that the finale company in question received the payoff after the delay. However they have reported me LATE as well as saying I owe them {$230.00}. ( Im assuming late fees ). I have never missed a payment with them and had an excellent payment history so I am upset that they would report me late and charge me fees for something that was no fault of my own. There was a delay with the dealership for some reason and I informed the rep from my finance company that the car was not in my possession anymore. I would like this late payment removed from my credit report and to be relieved paying these late " fees ''. I also fault the dealership for delaying the payoff. Date of purchase/trade- XX/XX/2017. I would like the late payment removed from my credit. I would also like a letter in writing from the dealership explaining the delay in the payoff and explaining that the vehicle was not in my possession anymore. I also want to be relieved of paying late fees on a vehicle that I traded. I want this complaint to go to the dealership as well as my previous finance company.
Product: Vehicle loan or lease

I purchased car in XXXX  the car should be done paying for the loan company keeps adding fees every time I pay bill
Product: Debt collection

this account is identify theft and would like this account removed from my credit professional placements amount XXXX account was open XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

Trans union / XXXX XXXX are not reporting the same information which is very inaccurate, for the company XXXX XXXX notwithstanding the fact that XXXX not reporting at all THE DATES ALL OPENED " are inaccurate Trans union XXXX XXXX XX/XX/XXXX / XXXX date is XX/XX/XXXX and XXXX shows nothing at all on this report the charge off dates are incorrect Trans union has XX/XX/XXXX experian dates XXXX XXXX, and XXXX shows nothing XXXX you can't charge off twice in 2 different years also the dates of last activity are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting wrong address, in spite of telling them NOT to do many times. 

This is the wrong address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I get two to three robo-calls a day from the CBE Debt Collection Group. When I answer the phone there is no one on the line, just a prerecorded message telling me to call them. I have no one who has claimed that I owe them anything ; I have no one warning me that they are turning a debt over to a debt collector ; I have no outstanding debt ; and I am certain this is a phishing expedition or scam, and I am not going to call the CBE Group to reinforce their manipulative tactics and questionable motives. If they believe the CBE Group believes it has a claim against me they can write me a letter explaining their claim and provide documentation or they can call and talk with me directly, but I will not initiate contact with them. I want their harassing calls to stop.
Product: Debt collection

I have asked for detailed list of payments made by me on this debt. I asked to see the original signature that I put on the contract guaranteeing that I would pay this creditor. I also asked to see if there has been any insurance they ha claim file on this debt, if so i want a copy of it. And lastly, I want to see proof they have chain of title to collect on this debt.
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the 2 inquiries from my Experian : XXXX | XX/XX/2023 XXXX  | XX/XX/2023 They need to be removed immediately I never applied for these and they never permissable purpose