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

I'm so relieved I received an update from Experian at XXXX today XXXX XXXX XXXX  account has been removed from my credit report. again thank so much now I can move forward with obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letters over 4 months ago to Equifax, XXXX and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Transunion, and XXXX, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, XXXX, Transunion, and XXXX conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by XXXX, Transunion, and XXXX. I promptly filed a dispute by certified mail with XXXX on XX/XX/year>, tracking number # XXXX, Transunion Tracking # XXXX, and XXXX tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, XXXX 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that XXXX failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of XXXX 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by XXXX is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. XXXX 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold XXXX accountable for their actions. I request that XXXX be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.
Product: Checking or savings account

Hello, I filed a complaint later XXXX with the code XXXX Complaint on the consumer finance website against Wells Fargo in cooperation to get {$100.00} monetary relief from overdraft fees that was accepted and we were told that we were going to be refunded for the {$100.00} in overdraft fees on XX/XX/2021. We never received our money and havnt had any updates on when that was supposed to be arriving. 

We would like our money if possible since Wells Fargo already said that we were going to be refunded. Thank you! 

XXXX
Product: Debt collection

I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called XXXX XXXX XXXX this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and XXXX XXXX XXXX think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX     2017  in the amoint of {$150.00}. Can you please help me to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against XXXX XXXX for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

XXXXXXXX XXXX did not provide any answers. It is more than 60 days. 

XXXX XXXX even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

XXXX XXXX  is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.
Product: Credit reporting or other personal consumer reports

I have been distuping this incorrect information on my profile for over 6 months. The information belongs to my father. 

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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to the CFPB ( XXXX ) against Ally in regards to Ally reporting an account past the seven year statute of limitations. Ally responded on XX/XX/XXXX. It had an attachment that contained several pieces of paperwork. In that paperwork it included a payment history of the account. The payment history displayed the first date of delinquency occurred in XX/XX/XXXX. XXXX 's law dictionary defines delinquency as " a debt that is overdue in payment ''. ( XXXX 's law dictionary, n., XXXX, XXXX XXXX. ) XXXX from XXXX XXXX XXXX stated that the first date of delinquency is on XXXX XXXX. She also states that the information will remain on my credit report. This is a direct violation of federal law and Ally is willfully violating federal law. Ally is aware of the first date of delinquency because Ally provided the paperwork with the first date of delinquency. I have attached the letter Ally representative wrote and the payment history that was included.
Product: Payday loan, title loan, or personal loan

My financial situation have not improved, and I am still searching for a full time job without success so far. And, I am struggling to even pay my rent and other basic necessities. As a result of this, I have been negotiating payment plans with my lenders. One of them, namely, CashNetUSA, is being tough with negotiations. I have explained my current dire financial situation with them. And, for the past 2 months I have been begging them to give me an extended payment plan in which I will be paying them {$50.00} per month until my loan is paid off. I also begged them to stop charging additional interest to my balance with them since, so long as they continue charging their high interest to my balance, my proposed monthly {$50.00} payments will never pay off the loan. CashNetUSA refused to consider my request. Meanwhile, my loan with them have continued to accrue interest which they capitalize to my balance, thereby making my balance with them to continue to grow every day. I will be glad if you will assist me in persuading CashNetUSA to consider my request.
Product: Credit reporting or other personal consumer reports

credit.com registered an account using my identity without permission, set up a payment method without my consent, and was on the verge of charging me exorbitant monthly fees for their services if I hadn't caught it. I had to visit credit.com, click on 'forgot password ' as I never signed up there originally, create a new password, access my account, and find how to switch the plan to basic which doesn't require any payments.
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting fraudulent information in my credit report. I reached out to the credit reporting agency and alerted them the inquiries were done without my knowledge and consent. The credit reporting agency has failed to keep my information safe with the fraud alert, so I had it removed. Attached are all the documents sent to the credit reporting agency to resolve this matter.
Product: Credit reporting or other personal consumer reports

I initially disputed these fraudulent items, providing comprehensive evidence that substantiates my claim that these items are not related to my financial history. Despite my efforts and the legal obligation for accurate and fair credit reporting, these items have not been corrected or removed from my credit report. 

I would like to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these fraudulent items continues to harm my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these fraudulent items, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the fraudulent items from my credit report promptly, as required by law, if they are found to be inaccurately reported or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these fraudulent items, and a written explanation for any items that were not corrected or removed. I am asking for your assistance to remove the following fraud items : 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 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 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
Product: Mortgage

We wife and I are experiencing financial hardship as a direct result of the COVID-19 national emergency. I reached out to Freedom Mortgage, who services my loan, and requested 180 days of forbearance in accordance with the CARES act signed into law last Friday. They informed me of the following : -90 days was the maximum period allowed. 
-I would be reported as delinquent. 
-I must submit a 6 page document outlining my complete financial situation to be eligible. 
-My verbal attestation of a financial hardship was not sufficient. 
-The ONLY repayment option is a lump sum payment after the forbearance period has concluded. 
-Adding the payments to the end of the loan was impossible without performing a " Loan Modification '' which would adversely affect my credit. 
-After going through all of this and asking to escalate to someone higher up who could answer my questions, I was conveniently hung up on, with no other recourse except to enter into the phone wait system again which was well over an hour long at that point.
Product: Credit reporting or other personal consumer reports

Credit profile mismatched and keeps changing personal information that does not belong to me. I have enclosed a notarized affidavit of identity so that my name is shown correctly on my credit profile XXXX XXXX XXXX Please update all bureaus
Product: Debt collection

THIS IS NOT MY ACCOUNT, IT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and as I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant already with cfpb XXXX. I recieved a email on XXXX XXXX srating the dispute was complete. I tired acessing the file but was unable. I called Equifax customer service and got the run around thus the reason I involved cfpb. 

I recieved emails XXXX XXXX and XXXX that the Dispute has been completed. I tired acessesing the file and could not. I called in to every number I could find for Equifax XXXX, XXXX, XXXX, XXXX and got nowhere. I tired again and the file opened but there was no information on file. I finally was able to speak to an Agent at XXXX XXXX at XXXX who told me she couldnt help all I can do is resubimt my file online or call XXXX. When i explained I already had a compliant on file she said to call that number because she does not know what to do. Her name was XXXX. How many times must I call in to get nowhere and resolve an issuse that is affecting credit? 

I was denied an application for residency because my income/debt level is too high. However there are several credit cards that are listed on Equifax that are not MINES ... Every credit burea removec them ... Equifax has not and is giving me the run around to disput the claim in a timely manner. I have called, went online, and did everything in my power. This is insanity and unfair. I have included pics of my call logs, emails recieved etc for your documenation to prove I have consistently called and recieved emails from Equifax ...
Product: Debt collection

Please see complaint # XXXX - XXXX. The company 's response to CFPB is that they will cease collection activity. I do not owe this. This is not my account. I want it removed from all 3 credit bureaus immediately. See below for the company 's response. 

XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and requested debt validation for the account placed in our office for collection. The requested information was received in our office and has been forwarded to you at the address provided in your complaint. We have also reviewed our records and there is no indication that CBE was notified of a dispute prior to this complaint being filed. Based on your complaint, CBE has ceased collection activity on the account. Sincerely XXXX XXXX CBE Compliance
Product: Debt collection

I received a mail from TRS Recovery Services on XX/XX/scrub>XXXX XXXX XXXX that I owe a total of {$32.00} from an unpaid balance with XXXX and the Creditor was TeleCheck Services, LLC ( not TeleCheck Services , Inc ). I know that I do not have any unpaid balance with XXXX. I contacted XXXX to confirm this. I believe this started after I linked my bank account to my XXXX app for some purchases. The debt collection detail showed the last XXXX digits of the XXXX number associated with my linked account details. I have since then disconnected my bank account details from my XXXX app. 

I filled in the online form on TRS to indicate that that was not my debt and requested proof of debt but I did not receive any. Later on, I received a different mail on XXXX XXXX XXXX with a whole new debt of {$85.00} from unpaid balances with XXXX with the same details regarding TeleCheck Services, LLC. I filled out the online form on TRS to tell them that I don't owe the debt and requested proof but I didn't receive any. On XXXX XXXX XXXX I received a bunch of sheets from TeleCheck (. This was not proof but rather a " fill-in-the-blank '' document asking me to enter my personal details such as account number and routing, driver 's license number, XXXX and the like. The sheets included some scanned forms that didn't look genuine at all. I did not fill this form because I can not trust it and besides, there was no reference to the TRS debt collection. It just wanted my information. 

Again on XXXX XXXX XXXX, I received two new notices of debt of {$31.00} and {$38.00} from TRS with similar details as described above but not directly related to the previous notices ( as in no references to that ). I don't owe any such debt but they keep sending me debt collection notices. I haven't filled out the online form to notify them because I am skeptical now.
Product: Debt collection

Hi I received a letter stating I have an outstanding eBAY balance of {$880.00}. It references an XXXX XXXX XXXX XXXX. I have not purchased anything from XXXX any time other than a toy car paid for in full XXXX of last year. The letter reference number XXXX that's my CBE Group account number??? Not Sure how this is possible. CBE reference a direct payment website www.paycbegroup.com Can anyone from your accounting team please get back to me? How can I CLOSE my XXXX account??? 

their website www.paycbegroup.com their phone numbers XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX It is not fair to have this company SCAM people out of there hard earned money.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my XXXX XXXX  which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX  correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a XXXX XXXX XXXX  prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the XXXX XXXX XXXX shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a XXXX of identity theft.
Product: Debt collection

I check my credit report then I see Berk Credit & Collections send my name to credit bureau for a company called XXXX XXXX claimed that I owe them money of XXXX dollars. So I called Berk Credit and state I do n't this company and I am not refused to pay if I ever own money to this company because whenever I am ill I always go to hospital not private MD and my insurance always paid. I ask them to give me the telephone and the address of the company who tell me I owe them money or send me to my address the information. Because I do n't want to pay money to funny credit collectors because I encounter a case like that before. Is simple but they was very rude and refuse to give me the address instead any information from my private life will go against me. I know there is no law who state we must pay someone money without knowing where and why you are paying that money. This is a fair practice- I called the hospital who instructed not to pay because if they have a bill for me they will send it to my address not to a collections agency first.And they practice of calling my house anywhere I am is very unfair practice.