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

Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from XXXX, Equifax, and XXXX for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Experian to have the items fixed on XX/XX/XXXX and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 

The information about my name is not reported accurately. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm challenging inaccurate Inquiries listed below. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a collection letter from CBE GROUP , INC dated XX/XX/XXXX stating they are collecting as an agent off XXXX XXXX , XXXX in the amount of {$5500.00}. I was able to answer one of the many calls made by CBE on XX/XX/XXXX and spoke to XXXX, who insisted that I verify his information but I told him to send it in the mail. I also told him that after CBE GROUP first call there, should have been something sent in writing. 

Affiant do not now and have never had any business, written, expressed, alleged or implied, with CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX and does not, in any manner agree to contract with, re-age, renew, or revive any alleged contracts or agreements upon which CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX may incorrectly claim, allege or presume exists I owe. Affiant 's records  show that CBE First Contact occurred XX/XX/XXXX ( " First Contact '' ) by a robodialed, automated telephone call to a telephone number listed in the name of the Trust. Affiant 's records show that since First Contact, CBE, did, in willful violation of the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) and before mailing collection letter within five days of First Contact, call a telephone number listed in the name of the Trust 15 times. Records show that CBE, being without any lawful permissible purpose did, in willful violation of the FAIR CREDIT REPORTING ACT ( " FCRA '' ) governing permissible purposes, did, before or on XX/XX/XXXX request and obtain from XXXX, XXXX unlawful access in the consumer credit report of the Trust. 

On XX/XX/XXXX, an affidavit was mailed USPS Certified Mail to CBE GROUP, INC and received but have yet to receive a response.
Product: Checking or savings account

My actively funded and primary bank account status was changed unknowingly at the fault of the bank. I was given a new account number and status with lower spending limits that didnt reflect my income level nor my outgoing payments. The lowered limits prevented me from making rent and bill payments on time even though money was available in the account for them. These unfair limitations caused rent and bill payment to be late and caused credit card accounts to be closed and eviction proceedings. My credit took very hard hits because of this bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : PNC BANK Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Mortgage

I SUBMITTED A CHURCH CHECK FOR MY HOUSE PAYMENT FOR XXXX 2017 AND THIS SERVICER INTENTIONALLY DESTROYED IT SO THEY COULD HAVE THE OPPORTUNITY TO FORECLOSE ON ME. THIS HAS BEEN PROBLEMATIC FOR THE LAST SEVERAL YEARS. IN ADDITION, THEY ARE CLAIMING THAT I MISSED MY XXXX PAYMENT, WHICH IS A LIE. THEY ARE WORSE THAN THE WORST. EVERY YEAR THE XXXX HELPS ME OUT FOR ONE MONTH OUT OF THE YEAR AND THIS SERVICER WILL NOT ACCEPT IT, WHICH IS ILLEGAL. I HAVE POSTED THIS COMPLAINT AND IT IS VIRAL AND WILL BE RECEIVING RESPONSES FROM VARIOUS. I WILL NOT ALLOW THEM TO INTIMIDATE NOR THREATEN ME IN ANY WAY AND ACTION WILL PREVAIL AGAINST THEM. 

THEY ARE PENNY MAC AND ARE A WHOLE SALE ONLY. THEY ARE NOT AN INSTITUTION AS THEY PRESENT THEMSELVES TO BE. THEY ARE FRAUDULENT AND THE SERVICES THEY OFFER ARE WITH BLOOD ON THEIR HANDS AND THEY ALL SPEAK WITH FORK TONGUE. THEY HAVE LAW SUITS AGAINST THEM AND THAT TOO, IS ON THE WEB. I WOULD NOT RECOMMEND THEM TO A SHARK. 

THE GOVERNMENT NEEDS TO INTERVENE AND CLOSE THE DOORS, AS THEY CONTINUE TO BE PREDATORS.
Product: Credit card or prepaid card

I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear US Dept of Edu/ Cfpb XXXX I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

7 year old Discover card collection reflected on my credit report has incorrect amount and incorrectly reflects the resolution of the debt. I respectfully request that it be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate information that your company, LCI, has reported to consumer reporting agencies. As a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI is required to provide accurate and complete information to the credit reporting agencies. However, I believe that the bankruptcy information that LCI has reported regarding my account does not comply with the FCRA due to an inaccurate address. The information that has been reported shows an address that is not associated with me, which may have caused confusion and errors in the reporting of the bankruptcy. 

Under Section 1681e ( b ) of the FCRA, furnishers of information must take reasonable steps to ensure the accuracy of the information they provide to consumer reporting agencies. This includes providing complete and accurate information, investigating disputes, correcting errors, and providing notice of dispute. I request that LCI investigate and correct the inaccurate and incomplete information on my credit report as required by this section of the FCRA. 

I also want to bring to your attention that a recent report by your company failed to comply with the FCRAs maximum possible accuracy standard. According to this standard, a report must be both factually correct and free from potential for misunderstanding. It is important for LCI to meet this standard to avoid causing confusion and errors in the reporting of information. 

Therefore, I request that LCI not only correct the inaccurate information on my credit report but also take steps to ensure that all future reports comply with the FCRAs maximum possible accuracy standard. Additionally, I request that you provide me with a written notification of any corrections that are made to my credit report, as well as an updated copy of my credit report. 

As a consumer, I have the right to dispute inaccurate information that has been reported to the credit reporting agencies. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XXXX requesting they do a proper investigation. Contact the school, check IP addresses, match up the signatures, they cant do these things because it doesnt belong to me.
Product: Vehicle loan or lease

XXXX Amount- {$XXXX} Actions taken : FILED DISPUTE
Product: Mortgage

I was trtrying to see my loan on line and was told that I am blocked. From seeing it. Because I am delinquent on my loan and that it will only let me request lost Mtigation information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$14000.00}
Product: Debt collection

I am no long able to pay this debt. I informed the company of this in XXXX 2016 also informed them to take whatever action they needed to take. They have not taken any legal action to resolve this debt instead I am receiving daily phone calls. I have asked then repeatedly to stop calling me. My attorney sent them a letter asking them to stop contacting me and to only contact his office with any further contact. I am still receiving daily phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XXXX XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with WF. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per Wells Fargo request I have opened disputes with the credit reporting agency and last night I received an e-mail from XXXX stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND SBA loan of XXXX that was supposed to close 3 weeks ago.
Product: Checking or savings account

I opened a savings account at Bank of America in XXXX. Upon account opening, I was told that I'm in a tier where wire transfers have no fees. In XXXX, Bank of America downgraded my service tier during the pandemic without notifying me. In XX/XX/XXXX, I had a wire transfer in and bank of america changed me wire transfer fees. I later transferred the wire to another bank for a medical emergency and kept XXXX at BoA XXXX. However, due to the fees associated with the transfers, my balance was below their required minimum of XXXX. So Bank of America started to charge me XXXX dollar monthly fees, starting from XX/XX/XXXX to XX/XX/XXXX, in total XXXX dolloars, without sending me any notice or reminder.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} Late Payment XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX, XXXX XXXX - XX/XX/2024
Product: Credit card or prepaid card

Without my consent, Capital One lowered the credit limit on a card I have had with them for over 15 years, from {$15000.00} to {$5000.00}. As available credit is a factor in credit scores, the lowered available credit amount will have negative impact. 

In this case, I estimated a negligible difference in credit score damage between the 66 % available credit decrease and not having the card at all, so I canceled the card ( thus also saving on the annual fee I have dutifully paid for the duration of holding the card ). 

I have the luxury of having excellent credit, and not needing this particular charge card. That does not make the practice remotely acceptable, however. Lower credit scores lead to higher interest rates, which clearly benefits the charge card companies. This practice should be outlawed.
Product: Debt collection

I don't know what this debt is for .I tried contacting the particular party but couldn't get an answer, they would never answer the phone. I just want to know what company, what was the charge/debt for. They offered me a settlement but I could never reach any one to find out what was what.
Product: Checking or savings account

On XX/XX/XXXX we deposited a Check in our USAA checking account for {$XXXX}. USAA closed the branches in our state so we had to mobile deposit the check. They have now put a hold on the check until XX/XX/XXXX. They are saying there is nothing they can do and its a standard hold. We have deposited checks before from the same place but they are saying it doesnt matter. Our account has had some overdrafts but they are always paid and now we cant access funds because of that. They will not release any of the funds even though the XXXX check has an authorization code. It is now XX/XX/XXXX and I have called my bank everyday since the XX/XX/XXXX and have gotten the run around. The check has cleared but they will not release the funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a XXXX payment for goods that I thought I was purchasing. The merchant Ferrerjewels and I had been in constant contact in regards to a customized order. I then paid her a deposit thinking it would be secure through XXXX. We were in contact on up until XX/XX/XXXX the merchant stop responding. I have emailed, text, sent her messages with no response. I then called my financial institution chase who basically said sorry your out of luck. We dont help with XXXX  transactions its a one way transaction.I was so confused on how that worked. I spent over 2 hours on the phone with them trying to understand how they took me through so much to send money to an actual contact I was XXXX that I XXXX  on a regular basis, however for this circumstance bc its considered a scam & not fraud its different. They also stated they will put in a claim for scammers but they never recover any money so they just close the case right away because they dont want to give out any false hope was the representative response. I then asked to speak with a supervisor after getting nothing. The supervisor was worse than the agent cutting me off at every other word. Lets just say nothing has been resolved and if you use XXXX, XXXX or cashapp to pay for merchandise and you dont get it youre at a lost.
Product: Credit card or prepaid card

Signed up for XXXX Credit card with an offer to receive {$100.00} statement credit after {$500.00} spent. Spent {$500.00} spoke with a supervisor who said spend requirements were made on XX/XX/2023 and should have received credit within XXXX hours. Supervisor said they have to submit a case to dispute. Contacted company multiple times for update since XXXX with no resolution and company continues to attempt to collect amount due. Every agent provides different or conflicting information. No resolution and incorrect information provided.