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

I am writing to express my deep concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit card or prepaid card

On XX/XX/2016 Citi Bank allowed an identity theft to open a fraudulent account in my name. I tried disputing this account and they are refusing to remove this account. Their defense is that it was linked to an alleged checking account in my name issued by XXXX  XXXX XXXX. The account with XXXX XXXX XXXX is also fraudulent and XXXX XXXX XXXX is the one that contacted me about the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time Exeter refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. Exeter Finance has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet Exeter refuses to comply to the law. I intend to file lawsuit against Exeter and contact my state attorney general with the evidence I have collected.
Product: Vehicle loan or lease

My car loan was with PNC Bank. The car was purchased before I was married and therefore both the title and loan were in my maiden name. I called them on XX/XX/2020 to express my intention to pay off the loan and to see if I could have the title mailed to my married name or otherwise arrange to pick it up, as I knew the mail addressed to my maiden name would not make it to me. I explained I understand that I need to correct the name on the actual title, but that I needed the mail envelope itself to have my married name. The representative I spoke with said that they could not mail it to my married name but that 1 ) they would mail me the form I need to fill out to legally change my name with them in the event that 2 ) the title bounced back to them. In other words - worst case scenario is the title is returned to sender and they would be able to mail it back addressed to my correct name. I paid the loan in full on XX/XX/XXXX. As expected, neither the title or change of name form made it to me. 

After several calls to PNC in an attempt to address the issue, I was escalated to someone in PNC escalations ( name and phone number available upon request ). I was told that my only option is to pay the 3rd party company XXXX a {$23.00} lost title fee to get a letter of debt satisfaction in the mail. Then I would have to go down to my state office and pay {$50.00} for a duplicate title as mine is " lost. '' They are attempting to pass these costs onto the consumer, including the {$23.00} fee to their third party vendor, due to something I called in advance to try to stop from happening. It seems negligent at best and like a complete scam at worst. Its an absolute joke - especially considering that we as consumers are unable to control which creditor our loan is sold to. I spent over a month dealing with this issue and did not receive a satisfactory resolution. Thank you.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am a victim of identity theft. I am writing to dispute specific entries in my credit report resulting from this crime. The records in question do not pertain to any transactions involving goods, services, or money that I have made or authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} XXXX  XXXX Balance XXXX XXXX {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$970.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}
Product: Credit card

In the month of XXXX Wells Fargo sent me a letter to home address of I, with out regard for XXXX name ; instead used a XXXX  name of another man with same last name. During application process, staff/application refuses to abbreviate US name according to English rules and instead uses a XXXX  name without complete initials to result in denial of application where as XXXX established XXXX name is approved by law for charge card. I have not received a letter written to US name in regard to previous complaint. I need a charge card and consumer account by law. I recently returned a letter from bank.
Product: Credit reporting or other personal consumer reports

I have try to find a common ground on a dispute with XXXX and also requested on reinvestigation with XXXX and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent Barclays a 1099C and they never responded as well. At this point I'm not getting any answers from XXXX nor BARCLAYS BANK DELAWARE. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my XXXX consumer report.
Product: Credit reporting or other personal consumer reports

I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.
Product: Mortgage

In XX/XX/XXXX I got a HELOC loan from Beneficial, I paid it off in XX/XX/XXXX. In XX/XX/XXXX I closed the account due to selling the home. XXXX released for recording on XX/XX/XXXX to XXXX recorder, loan number XXXX. I also got a copy of Satisfaction of Morgage from XXXX XXXX XXXX XXXX. which states it authorize and directed to discharge the same upon the record of the said morgage. Instrument no. XXXX in the records of the county recorder in the county of  XXXX State of Minnesota This Satisfaction of Morgage. It was issued in State of Florida and Notary Public XXXX XXXX.Notary #  XXXX. 
Now comes the issue XXXX went out of bussiness and sold a large group of loans that were not paid off to XXXX XXXX XXXX for pennys on the dollar. My paid off loan got in this mix. The account number with Ditech is XXXX, I have never heard anything about this issue till I was buying a home 4 years later, and have never worked with this company. My paid off loan got in this group of open loans, I am buying a new home and it was in under writing and on all three credit reporting companys it shows this loan is not paid off and still owe XXXX which is what the origanal loan was for. Ditech has copys of the satisfaction of the loan in my file. But will not fix there mistake. I have now lost the home I was buying and have to be out of this rental in 18 days. I am have no idea what I am going to do and I have 2 dogs and 3 cats so a rental will not rent to me with my pets. This has caused me so much stress and making me sick. I am stuck, there is a class action suit filed for the same issues with 100 's of poeple filling lawsuits. I have spoke to an Attorney both for the class action suit and a local attorney in XXXX. I will be filling a lawsuit if not corrected now. I have asked in writing for a complete payment history showing this loan from XX/XX/XXXX has never had a payment made to it. A lawsuit will take years take years and I can't buy a home. 
I beg of you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters stating this information/accounts are incorrect. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willfully non complying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " repair/delete '' the following accounts ; XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX # XXXX. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed. 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of XXXX I sent the first dispute to TranUnion regarding two inaccurate accounts that they are currently rand falsely reporting on my credit report. Initially they ignored my request, so I disputed the accounts again and at that point they're response was that the accounts were verified. In XXXX I disputed the accounts for a third time requesting that they provide me the method they used to verify this inaccurate information ( ie : my signature on a contract, my drivers license or social security #, etc ) and they sent me the exact same response again, that the account was verified ( with none of the proof that I requested ). 

Per the FCRA, TransUnion should not be reporting false information that they have not verified in the first place. Please Help!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to Data Breach Dear : To whom it may concern I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected. 
Remove from my credit report, Transunion, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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
Product: Credit card

On XXXX XXXX Ive ordered Macys gift cards # XXXX {$190.00} e-gift card, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys delivery history,2- 3days ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take 7-10 business days. Than Ive contacted again, I was told wait a few more days. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him Im going to file complaint about Macys, he asked me wait until XXXX XXXX and as accommodation issued {$30.00} Macys XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After 2 months struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).
Product: Money transfer, virtual currency, or money service

I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX Street address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX  XXXX Receiving Bank Information Bank of America Association Address : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX code : XXXX I emailed Bank of Ameria but never got response. I also contacted XXXX but XXXX gave no response either. 

I filed the complaint on XX/XX/XXXX but no action was taken. XXXX states they have been waiting for Bank of America to respond XXXX message. 
The person in charge of this case at XXXX is XXXX, the contact is XXXX ( XXXX ) XXXX. Her extension is XXXX, case number is XXXX.
Product: Checking or savings account

On XX/XX/2020 I received an email from Ally Bank stating that the telephone PIN on my savings account was recently changed and if I did not take this action, I should call XXXX ( XXXX ) immediately. I called and verified my identity. The first customer service representative could not give me any details about my account and stated that I would have to be transferred to Loss Prevention ( " direct line '' XXXX ). I was connected to XXXX. I was asked to verify even more information about my account and the information for another account that I transferred funds from. 

I attempted to log in to my account and was unable to do so because my account has been locked. XXXX stated that they were beginning an investigation into my account and would not explain why. Eventually, he stated that they were 'ending the relationship ' and I confirmed that meant they were closing my accounts. No reason was provided. I still do not know if the funds in my account have been accessed by someone else and I can not verify this myself because my account is locked. 

I requested to speak to supervisor and XXXX stated that he put in a request and I 'may ' hear from someone within 48 hours. When asked about how I will receive my money now that my account is closed, he stated that it would take 2 to 3 weeks. 

I have not been told why my account is under investigation, why I was connected to someone in loss prevention, if my funds are safe, or why my account is being closed.
Product: Debt collection

I received a Scam call claiming to be a debt collector with my full name, birth date, and address on hand. They demanded my social security number, debit card number, and front to back copies of my insurance cards and I.D . I explained that I'm on Social Security and I have XXXX and XXXX in full so I owe no such debt. The representative then became argumentative after I refused and told me to " Go XXXX myself '' and " You'll regret this ''. She then proceeded to immediately terminate the call. This situation occurred on Monday, XX/XX/2020 at XXXX XXXX. 

The number requesting this information called themselves XXXX XXXX and their phone number is XXXX.
Product: Checking or savings account

I logged into my account today and Td Bank check out {$480.00} something about some old accounts that were charged off do you shouldnt be able to go in and take money out now I cant get cash or money or pay my electric bill no one is willing to help me I have {$35.00} left in my name now my current account that I have with them from which two years has been in good standing I stopped by branch office no one wanted to help me there just give me a number to call I called the number and no ones been able to do anything no one wont help me and no one will let me get my money back
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX, two of the major credit reporting agencies, for their failure to accurately report my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute incorrect bankruptcy information listed on my credit reports provided by Experian and XXXX, both agencies have unjustly verified this information, directly impacting my ability to secure loans, credit lines, housing, and employment opportunities. 

According to my understanding, the FCRA mandates consumer reporting agencies to ensure the maximum possible accuracy of the information included in consumer credit reports. It also requires these agencies to conduct a thorough investigation of any disputed information upon receipt of a dispute from a consumer. Unfortunately, Experian and XXXX have failed to uphold these obligations. 

Furthermore, I have confirmed with the bankruptcy court in Virginia that they did not furnish my bankruptcy information to any credit bureaus, raising serious concerns about the source and verification process employed by Experian and XXXX. XXXX, another major credit reporting agency, does not report any bankruptcy information on my credit report, indicating a discrepancy in reporting and a failure by Experian and XXXX to assure maximum possible accuracy as required by law. 

I respectfully request the CFPB to intervene and ensure that Experian and XXXX adhere to the FCRA by conducting a proper investigation into my dispute and removing the inaccurately reported bankruptcy information from my credit reports immediately. The persistence of this incorrect information infringes on my rights and hinders my financial well-being.
Product: Credit card

I sent a letter to the company, and informed them that, due to their actions, in concert with the actions of my other creditors, and the credit reporting agencies, my XXXX XXXX was deliberately downgraded so that I was unable to secure a low-interest, low-payment consolidation loan to pay of my credit cards and get out from under the XXXX XXXX interest rates they were charging. They are refusing my offer to pay the balance off with what I can afford, and the Consumer Finance Protection Bureau improperly closed this complaint without the companies providing a reasonable explanation of WHY they kept downgrading my XXXX XXXX over a XXXX year period. They sent me a letter requesting that I call them because, according to them, the issue of making payments was too sensitive a topic for them to respond via mail or email. When I called them, they only insisted I pay the remainder of this month 's payment ( past due amount ). Nothing else. Their response did nothing to address the issues I raised. The previous complaint number is : XXXX
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
FSTPROGRESS, balance is {$540.00}, and account # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$22000.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX ( Exeter Finance LLC ) I never received nothing from these people they opened a dept in my name on XX/XX/XXXX for {$9600.00} dollars XXXX XXXX XXXX Opened XX/XX/XXXX for {$720.00} dollars it was updated on XX/XX/XXXX Exter Finance XXXX XXXX opened XX/XX/XXXX for {$20000.00} updated XX/XX/XXXX ( Says last payment XX/XX/XXXX paid off 100 % )
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. 
IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV