23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you,
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 lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence 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 Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

XXXX XXXX is trying to say a simple clog cost over {$4000.00} in damage, their repair guys said it was the pipes and not the clog, XXXX XXXX is going after me anyway. Hunter Warfield bought my debt from XXXX XXXX and is now harassing me and ruining my credit trying to get as much money out of me as they can. No one is getting a dime from me, the debt is illegitimate, and Hunter Warfield needs to cancel it and move on.
Product: Checking or savings account

Someone has stolen my information. received a letter from XXXX telling me they denied my opening an account. I called them and advised it was not me. I have frozen my credit on the XXXX credit bureaus so guess that's they ran up against. I now have a letter from them showing there was XXXX XXXX XXXX and a deposit and withdrawal. Why can't that be traced back so the person can be caught?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert showing a hard inquiry from PNC BANK that I do not recognize or have authorise. Please correct. Creditor Name : PNC BANK Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please delete all negative history or late payments from my credit report.
Product: Debt collection

I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. 
I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is
Product: Credit card or prepaid card

Hello .... I have filled a complaint on XX/XX/XXXX... 
Claim # XXXX BofA XXXX prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the XXXX Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated ... on XXXX XX/XX/XXXX I received an email from your company saying that my claim with Bank of America has been resolved. On XXXX XX/XX/XXXX I called Bank of America spoke to an agent and a manager and I was told that my claim is indefinitely pending and not reviewed since XX/XX/XXXX. Your company closed my case based on false information from Bank of America. My complaint needs to be reopened. I have tried to refile my complaint with your company I couldn't since I already have an account with you. Please respond and reopened my complaint as Bank of America is reporting to you false and untrue information. Please confirm that you received my email and that my complaint has been reopened. Thank you. Awaiting your response to this matter
Product: Debt collection

I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00}. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.
Product: Mortgage

I was set-up to have automatic withdraw from savings account on the XXXX of each month, money is deposited into the account on the XXXX of every month unless weekend or holiday. On XX/XX/XXXX they tried to pull the mortgage payment which was reversed due to no money in the account since money gets deposited on the XXXX every month. They claim it wasn't set up for automatic payment, but they tried on XX/XX/XXXX to withdraw. My bank then sent them the full payment on XX/XX/XXXX which states repayment. I called them in which I got the run around so I went and did a chat online with them. I got a reference number and told they would research the problem. On XX/XX/XXXX I got a notification that I had received mail from them so I read the message and it stated that they did not receive payment and to make payment and that fees have been added into the late payment. The message stated " read only ' so I was unable to respond to their message.
Product: Checking or savings account

I noticed a hard inquiry on my credit report made by capital one on XX/XX/XXXX. I did not open or attempt to open a line of credit with them or open an account. This was not me and was fraud or a mistake. I called capital one and they did not find an account with my information.
Product: Debt collection

Received XXXX XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. We have XXXX XXXX XXXX  through XXXX ( primary ) and XXXX XXXX XXXX XXXX  ( secondary ). On XX/XX/XXXX I received a Statement from NPAS INC ( a third-party debt collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They service accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX requesting payment of {$150.00}, I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she conducted a 3-way phone call with NPAS, they claimed it was for Co-pay. She explained that bill had been paid in full and due to dual coverage, no co-pay was due. NPAS was sending account for review. Then on XX/XX/XXXX received statement from NPAS attempting to collect {$4400.00}. Called NPAS again, had XXXX XXXX XXXX XXXX member rep on the call with me. She explained once again that bill was paid in full. NPAS again said account would be reviewed. Received another statement from NPAS on XX/XX/XXXX, for {$4400.00} called again with XXXX XXXX XXXX XXXX member rep on the line with the NPAS rep, again explained to them bill had been paid. Also sent e-mail with attached Explanation of Benefits to NPAS ' " XXXX ''. Received statement again from NPAS on XX/XX/XXXX requesting payment of {$4400.00} again. I am writing to you to attempt to get them off my back and stop the harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX has stated they received bankruptcy information from the creditor which is United States Bankruptcy Court, Northern District of Illinois. But I received a letter from them ( United States Bankruptcy Court, Northern District of Illinois ) stating they never gave them this information. I believe this is wrong and unlawful. If they receiving information from third and fourth parties how can I believe the information is true. I asked them to correct it around XXXX XXXX XXXX XXXX
Product: Debt collection

Previously using CFPB we disputed this debt through another collection agency who removed it. On XX/XX/XXXX, XXXX XXXX XXXX added it back onto credit report as a collection. Nothing received again from that company, and the debt has never been shown as mine. Also now calling while at work. I have no idea, as before, what this is.
Product: Credit reporting

I have requested and demanded that TransUnion validate a public record account/federal tax lien from XXXX.. On three occasions I have disputed this account because the information is not accurate because the account has been satisfied. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am overly confident that their entity did not investigate the matter. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. TransUnion has cost me a job that would have supplied my family with a very nice cushion. I 'm stressed, confused, upset because their negligence and unfair practices has ruined my professional career.
Product: Credit card or prepaid card

I drove to XXXX XXXX XXXX XXXX on XX/XX/2022 to go hiking around XXXX. I left my car on the side of the road that is authorized for public parking. I come back to my around XXXX, and it's been broken into. 

I check my wallet and my two credit cards are stolen. I report all fraudulent activity to my banks. 

There were multiple fraudulent charges on my Chase credit card, including, but not limited to, purchases at XXXX XXXX XXXX and XXXX. Chase resolved the transaction at XXXX XXXX XXXX. Chase did not resolve the transaction at XXXX. I had to call multiple times since XX/XX/2022 to inform them that the transaction is fraudulent. Now, they've sent me a report saying that I informed them that the transaction was valid. Chase 's phone records will indicate that I have called multiple times to inform them of the fraudulent activity. 

My driver side door key cylinder and glove compartment key cylinder are damaged. I have claims from my car insurance ( XXXX ) to prove they were damaged. I have video evidence to prove that I was in XXXX XXXX XXXX XXXX at the time of the theft and transaction.
Product: Credit card or prepaid card

I received an active credit card from Bank of America without my permission. I never opened an account with them. I called the Fraud Team at XXXX XXXX XXXX XXXX and they supposedly started a fraud claim.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from- XXXX XXXXXXXX XX/XX/2023 Inquiry from- XXXX XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

On XX/XX/year>, I requested a credit limit increase on my Chase Sapphire credit card, which was not approved despite my consistent payment history and responsible use of credit. The decision appears to be influenced by erroneous information from XXXX, which incorrectly reported that I was delinquent on an account. XXXX has since confirmed the report was a mistake, yet Chase has not reconsidered my request for a credit limit increase. This denial has limited my financial flexibility and could affect my credit utilization ratio, potentially harming my credit score. I request that Chase reevaluate my credit limit increase request in light of the corrected information and ensure that erroneous reports from other creditors do not unfairly impact my account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized account that have negatively impacted my creditworthiness. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized This account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. The following are the specific account in question : SMALL BUSINESS ADMIN XXXX Balance : {$100000.00}. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information.

XXXX XXXX Account number XXXX
Product: Checking or savings account

{$950.00} was withdrawn from a checking account by an XXXX XXXXXXXX. I do not know this person at all. This money was taken by fraud. The bank said I authorized this transfer, but I didn't. The bank sent my husband an alert after the fact. this is Santander Bank. The bank told me they have nothing to do with it. My husband and I have spent many hours with the bank trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XX/XX/XXXX. I received a letter from the FBI n XX/XX/XXXX notifying me of that fact. Then in XX/XX/XXXX I got a letter from American Express informing me that my credit line was being reduced from {$11000.00} down to {$5900.00} and cash advances of {$200.00} the reason and information was based on information provided by XXXX. My credit score was as high as XXXX. During that time I sent several letters to all of the credit agencies to correct my credit files. I tried to make sure that the agencies had accurate information. After reviewing my old letters, I remembered that I also had at those credit monitoring services one with XXXX and one with XXXX and they really did n't catch anything. I lost confidence in the service because one of the crooks was monitoring my account as well. 

To this day ever since I wrote letters to XXXX canceling my monitoring service and complaining about their service, it seems like I 've been placed on their enemies lists. I do n't know if one really exists, but here 's what I mean. My American Express credit limit is still {$5900.00} and {$200.00} in cash advance. I paid the balance off back in XX/XX/XXXX and nothing has changed since that time. Even after I got the police report and became a confirmed victim of Identity theft and I never missed a payment on any account. Wrote several times correcting everything. XXXX was especially slow about updating my files until I sent a letter saying I was trying to refi my home and all of a sudden they cleaned my file up to an extent. Over the years they have continued to play games, 2 years ago I had another back and forth to remove a lien error. The exchange was brief but I sent a few letter and it really was the only negative item on my file other than card balances. I am refinancing my home now and 2 out 3 credit reporting agencies have my credit history as too short or insufficient. XXXX and XXXX. XXXX has my credit score at XXXX and all of the lenders are using XXXX low score to quote me a loan. I got a quote from XXXX they only used XXXX 's score. I got a quote from XXXX XXXX they are only using XXXX 's low score and key factors on credit score form. Which states that length of revolving account history is too short. 

It seems as though XXXX is retaliating against me and keeping my score at the lowest possible range score it can justify and then also obscure my credit history by throwing in some XXXX like " length of time revolving accounts have been established is too short. '' When they know full well I have an extensive credit history. I have filed a similar compliant but once i looked at my old notes I wanted to add more. XXXX is no saint either. They are telling the same lie in attempt to present me as a risky borrower despite my 27 year excellent credit history. Completely unfair.
Product: Mortgage

We have been trying to get a payoff on our mortgage from the lender because we are in escrow and are ready to close on a sale but the lender/services has failed to provide a payoff for several months. There was a " Shared Appreciation '' modification agreement signed in 2012. We need an updated payoff with the correct calculation based off of the agreement and the lender has failed to produce this. They're charging daily interest and we have run out of funds to cover in escrow all due to the lender.
Product: Debt collection

Hello. 

I went on XXXX XXXX and saw that a new collector has taken over my debt. I've sent two emails and called a few times and haven't been able to get ahold of them. I've looked up info on them and everyone seems to think they are fraud. 

I don't see how this company could be fraud if they show up on XXXX XXXX though, right? 

Look, I just desperately want to pay this XXXX debt but I don't to pay some scammers. The company is called Commonwealth Financial Systems. How do I figure out if they are legit? 

XXXX XXXX XXXX