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

I am writing to express my frustration and disappointment regarding the persistent challenges I have encountered in attempting to rectify fraudulent items on my credit file. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant harm to my creditworthiness and overall financial standing.

I have attached copies of my credit reports, highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries.

Despite my persistent efforts, the fraudulent items persist on my credit file, causing unwarranted financial stress and potential harm to my personal and professional life. I am well aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors.

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit file. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation.

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO 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

This is a serious issue that requires immediate attention. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have come across these errors multiple times, and they continue to cause unnecessary stress and XXXX. This situation is unacceptable and needs to be addressed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. Below are details of alleged collection item for review. 

creditor : XXXX-XXXX  XXXX  ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.
Product: Credit reporting or other personal consumer reports

someone has been trying to purchase a car in my name. its XXXX inquiries on my credit report that i didnt authorize. XXXX also a victim of XXXX data breach and XXXX is the worst to remove these inquiries. i have sent documents for over 6 months and they refuse to remove these item.
Product: Checking or savings account

I purchased some items from two retail stores. One online at XXXX ( XX/XX/19 ), and one in store at XXXX ( XX/XX/19 ). I used my citibank debit card for both purchases. I later needed to return part of my purchase from the XXXX order, to the value of {$120.00}, and the item from XXXX to the value of {$49.00}. I went in store to return the XXXX item ( XX/XX/19 ) and mailed the XXXX items back to await my refund ( XX/XX/19 ). I then needed to close my Citibank account the following day ( XX/XX/19 ), being told by Citibank that there were no pending transactions on my account and that it was safe to close. XXXX informed me that their refund would not process to a closed account and that it would instead bounce back, at which point I would be able to request them to send the money to a different account. XXXX gave me similar information, that the refund should bounce back and they could then process the refund to a different account. After waiting the requested amount of time by both retailers ( up to 10 business days ) I contacted both retailers and asked if the money had bounced back, however both said that the money had been accepted by Citibank ( and sent their proof/bank response codes, attached ). I then called Citibank to locate the missing refunds, however they informed me that there was no possibility of the money being deposited into a closed account and they did not receive the funds. Since then, I've visited several branches, and spoken to several representatives at Citibank who all said Citibank could not locate funds and therefore the funds were still with the retailers. The bankers even submitted tickets to technical support ( twice, one of these is attached ) which I never received ANY responses to - not even a negative response, I was completely ignored. One banker told me the money would be located within a ledger at the branch that I opened my account in, so I went to that branch and of course they could not locate the funds in the ledger. It has been months and I've spoken to every possible person that could help me from all three companies and no one can locate the funds. Please see attached my final statement from Citibank that shows both purchases highlighted, with no refund amounts from either merchant present on the account by the time of closure.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report I noticed that there were multiple accounts listed that didn't belong to me. I have never had any dealings with these companies. 

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

On XX/XX/2021, I charged the amount of {$100.00} on my XXXX credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. XXXX reported my account to TransUnion as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called XXXX three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from XXXX asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to Trans Union to get resolution through them. 

When I looked into TransUnion, I noted that XXXX reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to TransUnion, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.
Product: Debt collection

XXXX XXXX XXXX $ XXXX/date over 6 years the second one portfolio recovery for XXXX  {$650.00} was victim from fraud in the past 8years ago
Product: Debt collection

Maa impacted my credit negatively on an account that I have been trying to resolve in person and via E-mail. I did not receive the notices they claim were sent and after I tried to reach out to pay, they were not helpful and instead proceeded to end negative information to credit reporting impacting my credit score by 50 points
Product: Debt collection

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor pendrick capital partners.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,
Product: Checking or savings account

XX/XX/year>2025 someone used my information debit card and bought for {$550.00} i didn't authorize any of transactions. That person went once an a Target in New Jersey and Twice in Target in New York. when i contacted the bank, they said the transactions appear to be authorized because a valid pin number was utilized at that time of the transaction.that 's why they not will give me back that money, but i never gave anyone my card and my pin too. Thank you
Product: Checking or savings account

Ally Bank freezes my account on XX/XX/XXXX and they ask me to email them my identity document to their email address at XXXX. Then I emailed them my XXXX passport, my US driver license, and my utility bill. Three days later, they told me they could not verify my identity and they had to close my account. That decision is fine for me so I ask them to return the funds in my account which is more than {$24000.00}. But they told me they need some time to investigate my account. After they confirm all funds are legal, they would close my account and return the funds by check. 

Now, it is XX/XX/XXXX more than one month later. I still did not receive any check. I called them this afternoon, and the customer service said since they still could not verify my identity, so they would not return the funds!!! They would keep them because they thought I was not who I am!!! That is just totally ridiculous! I just need them to mail a check to the address on file. I do not know why they refused. I opened the account with that address, received the check book and debit card with that same address. They never doubt that address is not belonged to me. Now when I ask them to return a check to the same address, they think I am illegal. They doubt I am not myself. The address is on my credit file and the file related to my driver license. All the documents I provided are totally legal and real! 

When I open the account, they never doubt my identity. When they mailed me the materials including the checkbook and debit card, they never doubt my identity. After there were money in the account, they began to doubt my identity. At first, I trust them completely and provide all documents they required. I did everything I could, but right now, it seems they were cheating. I doubt this bank was using customer 's money to do their business. They extend the period for any refunds so that they could use our money longer. That is totally unacceptable!
Product: Debt collection

Please help! I was served with legal papers about XXXX weeks ago. It just has XXXX dates stamped on it of ehen received by court (? ). No other info about what action sm i to take. I'm not sure if calling law firm would be ideal as the deliverer seemed aggressive. She was knocking very hard/loudly on my door and even talking/yelling through my open window. I couldn't get to the door due to XXXX XXXX XXXX. The woman left the openly visible papers ( no cover page or confidentiality ) on my doorstep for all neighbors to see ( apartment ) as they came in and out. This included an XXXX delivery person who took picture of the doorstep with delivered package. It was embarrassing. Please help with who I can contact with being lost, confused, and bullied. XXXX also has image of these legal papers in their data system as well due to picture of the doorstep.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XX/XX/XXXX of 2022 was when it happened XXXX XXXX had used my debit card and our linked bank account to make repetitive withdrawals straight from my Bank of America account the sum for XX/XX/XXXX was $ XXXX and I didn't notice the transactions were made I woke up on the XXXX to find XXXX XXXX and BofA had allowed {$1600.00} withdrawal straight out of my account and into my wife 's XXXX XXXX account that was immediately transferred to Bitcoin and sent God knows where I called the bank immediately to let them know this must be a joke my debit card should not be linked to anyone else 's XXXX XXXX  and they should not be able to make cash withdrawals especially in that amount that many times there were 12 withdrawals one after the other and I told them I had recently had fraud issues with my other account when my phone was lost and as soon as I realized someone had mess with my account before all charges had even gone through BofA told me I would get a new card and they would investigate I filed a police report immediately and tried to show BofA all the confidence I had and upload my documents but they would not let me offer anything until after there investigation. They later about 9 days after the complaint came back with a denial of my claim and a statement that an authorized user must have made the charge but they didn't even check anything I kept calling to let them know I no longer have control of the XXXX XXXX account it has been completely taken over by fraud I don't know we're to turn and I need help they offer none
Product: Credit card

I has apply Home Depot credit card and and I just buy stuff for my new house and right now I can not use the card because bank say can not verify my identity I has no idea way my phone number is get not verified and I has get vicoe maill to talk me I need call the customer service team and provide the 4-digit reference number but this is not working too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported late in XX/XX/2021 for a very small balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( Equifax ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.
Product: Mortgage

I made a payment in XXXX and over paid by {$160.00}. I called to make my payment in XXXX and asked if they could apply the {$160.00} to my current months payment. The representative did this and processed the payment in my account. I then the next week started to get collection calls from them. I spoke with a representative and was advised my payments had not been made. I was then told that there was a glitch in the system and my payments were lost. I have called everyday almost trying to figure out what they did to my payments. I am now told on the call I am delinquent but they are working it out and will now take 20 days to resolve my payment issue. I call them and it takes at least 45 minutes to get someone on the line. They even have the nerve to go over foreclosure info with me like I am about to lose my home due to there error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items should be removed immediately that came in alleged fraud. Please remove the following 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX : I disputed a fraudulent credit card with Experian via Mail on XX/XX/20. The dispute results remained on my Credit Report. 

The item XXXX  XXXX XXXX is inaccurate because I have no knowledge of ever opening this account. This is a fraudulent account and the creditor has made a error which they admitted. Either way I am requesting that the item be removed to correct the information on my report. 

Enclosed are copies of my CA Drivers License, a copy of my current utility bill, and dispute form supporting my position. 

I have spoken to XXXX  XXXX XXXX Frauds Department ( XXXX ) and they have concluded that the account is fraudulent and have closed the account per the fraud XXXX XXXX. Please investigate the disputed item as soon as possible and remove from my credit report.
Product: Payday loan, title loan, or personal loan

I went to ACE Cash express yesterday XXXX XXXX at about XXXX XXXX. I was denied the payday loan because I was in the military. That would of been discriminating, I looked father into it and realized it was the governments fault that I was not able to receive the loan I needed. I needed the money to pay for rent on the XXXX, I would have been able to pay the full amount of only {$300.00} next paycheck but because of the MLA I was denied and late on my rent loan company would of been payed back in full a week later on the XXXX now I 've got problems with the renters. 
Oh on top of that I get charged a XXXX by the loan company just for talking and denying me. 
I want something done about this problem it is not fair for people to be able to get a payday loan that ca n't afford to get one when others that can ca n't get one.