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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Michael J. Adams PC recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX XXXX They sold the debt to XXXX XXXX, XXXX and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I reported that XXXX XXXX XXXX XXXX was not reporting up to date payments. On XXXX XXXX I reviewed the Transunion. TransUnion deleted the XXXX XXXX XXXX XXXX account. XXXX XXXX was the Customer Service rep for Transunion and stated without a doubt that XXXX XXXX Requested the Account be deleted from my report. I have spoken with XXXX XXXX who assures me that all information. I am also including an updated Credit Card Information Letter, that shows payments are up to date. Credit card is active is being reported correctly. Transunion is at fault for both improper payments as well as deleting of accounts.
Product: Student loan

Advised to consolidate my loans with my parent loans for better payment plan. 
They paid my XXXX XXXX even though it was specified to be excluded as it was free for1800.00 for XXXX. 
Called servicer when i was notified they paid XXXX and told too late too bad nothing I could do. 
After consolidation, turns out now I have unqualified loans and now I can not get better pay plans. 
Placed all in forbearance as could not affordXX/XX/XXXX sent IBR application, debt breakdown and taxes for self and spouse with taxes for payment plan After acknowledging receipt, XXXX advised too old and missing documents, but none were ever requested. 
XXXX Reapplied IBR Spouse and self and payments were now 40 % of our household income. 
CalledXX/XX/XXXXadvised by servicer that I needed to complete another IBR which was doneXX/XX/XXXX and told I need to fill out form to take out of deferment. They would mail form ( form came XX/XX/XXXX ) and told they see the mistake that my spouses loans were not considered when paymnet was calculated and she would send for evaluation. 
Called XX/XX/XXXXfollow up on evaluation and told that servicer no longer automatically calculates payments with spouse even when box is checked because too many people check in error. Advised that we would need to each fax in a letter requesting our accounts be reviewed together. Also this staffer was able to end deferment without a form. 
Bill Came XX/XX/XXXX again wanting 35.5 % of our household income for my spouse and I. 
his dropped from XXXX to XXXX mine is XXXX due in 14 days from notification giving us a total of XXXX due on our ICR plan. 
As of XXXX/XXXX/XXXX no word on if our faxed letters were ever received or being processed. 
Letter came XX/XX/XXXX explaining how they calculate ICR : XXXX or amount repaid annually over 12 years under standard plan multiplied by income % factor with XXXX divided by 12 or 20 % AGI - 100 % of poverty level which the calculate as XXXX however, we calculate jointly as XXXX total. 
We want to pay these loans, but need something we can afford. 
My husband and I work 2 jobs each and if we work a third job each next year the payment will just be higher so we are really stuck. 
We have consistently been provided with bad advice, wrong information, delays in processing which continues to grow interest debt, loans erroneously added to consolidation that was to be left out and inconsistent payment plans by XXXX XXXX.
Product: Checking or savings account

I received a bank statement letter from HSBC in XXXX, 2020. The statement shows that I have an account with a beginning balance of {$750.00}. I have never opened an account and deposited any money with HSBC. I wondered where the {$750.00} came from, so I called HSBC on XX/XX/2020. 

A lady from HSBC talked with my husband and I and misled us into opening the account. When we asked her who deposited {$750.00} in the account, she said it was credit. We were confused by this statement, and grew suspicious. 

We asked her, " Is there a monthly fee we need to pay to claim the money? '' She said, " Yes, if you open an account and deposit less than {$75000.00}, the bank will charge you a monthly fee of {$50.00}. '' Both of us realized that they were committing fraud and I immediately told her to close my account on the phone and protect the personal information I gave to her, but she said closing the account would come at a cost of {$25.00}. I would appreciate it if the CFPB could support me and help me close this account with HSBC.
Product: Credit card or prepaid card

I have a couple of store credit cards issued by XXXX XXXX and tried to pay them all off on XX/XX/XXXX, however, their website was down and they would not answer the phone system. I ended up sending the payment through my bank which took a few days longer. I should not owe interest on those days since it was not my fault their system was down and there was no way to pay my bill off. As of XX/XX/XXXX my bills should have been paid in full. The website shows my payment cleared by them on XX/XX/XXXX when my bill was due for XXXX. In an attempt to regain my interest, I contacted the store XXXX. They tried another customer service number which ultimately did not go through either. Eventually, I was able to log in to the website and send a message, however, the customer service message did not address my concerns and told me to contact them by phone. I tried to contact by phone again on XX/XX/XXXX, but the call would not go through. I have sent another message to get this new problem of a late fee addressed and the old problem of the interest addressed. It is unacceptable to charge people interest and late fees, but provide no way to contact them. This also applies to my other charge card under the store The XXXX also with Commenty bank.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

How I chose to invest my money is none of Capitol Ones business. Their unpublished blocking of crypto currency transactions is unlawful - which explains why they aren't publishing it or warning new customers that their account is worthless. 

For security reasons is a lie. They don't block transactions to/from scammers or 'as seen on tv ' fraudsters. They don't publish how great they are by keeping you safe from cryptocurrency, which would be a big selling point if it wasn't a lie. Furthermore, they themselves offer high risk investments that make bitcoin risk look like a stroll in the park! It is patently an illegal attempt to block their competition. 

It's my money, I will spend/make it how I wish. My bank is there to receive, store, and disburse those funds at my direction, not to hold them hostage  from their competition!
Product: Mortgage

Reference prior claim XXXX You still did not address why your OLB system posted my payment twice. Please listen to all phone calls and note your BBVA representative states that there was an error with your OLB. The multiple payments are proof of the error yet you will not acknowledge the error and possible delayed posting due to the error. Please send documentation showing your research of your online banking system showing that I did not login. Please also provide documentation showing your IT department was involved and acknowledges why the error caused 2 payments to be debited  but in deed couldn't cause the payment posting to be delayed. Please also provide documentation showing the confirmation numbers provided to me via your online banking system were tracked and details of that tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian is violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian to report late payments on the XXXX XXXX XXXX XXXX Account # : XXXX, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attn : Credit Bureau Disputes I reviewed a copy of my credit report and Wells Fargo Bank , N.A . ran an authorized credit inquiry on me on XX/XX/2022. 

I was denied a credit line because Accounts with Wells Fargo were not paid as agreed. 
However Wells Fargo is contradicting themselves because this account was paid in full. I feel my application process was unfair and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Wells Fargo Bank , N.A . and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX  OF XXXX GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX THE HOME WAS NOT ABANDONED BY THE XXXX NOR THE XXXX XXXX XXXX DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS, THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE WAS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY!
Product: Credit card or prepaid card

Im a victim of fraud never applied for this account they keep sending me statements to pay them and its not fair when I didnt apply for this product chase is a horrible bank with a bad reputation
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some unauthorized inquiries appearing on my credit reports. 


XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry XX/XX/2023 XXXX. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

ON XXXX/XXXX/16 MIDWEST RECOVERY SYSTEMS SUBMITTED A DEROGATORY ENTRY ON MY CREDIT REPORT FOR XXXX $ BUT AFTER A COMPLAINT TO THE ( CFPB ) THE ORIGINAL CREDITOR [ XXXX XXXX XXXX XXXX ] RECALLED THE DEBT FROM THEM AND THE DEBT WAS FORGIVEN FOR XXXX $ ACCORDING TO XXXX XXXX XXXX RESPONSE ON XXXX/XXXX/16 .THAT IS A + DIFFERENCE OF XXXX DOLLARS THAT MIDWESTERN RECOVERY SYSTEMS TRIED TO EXTRACT FROM ME ILLEGALLY.I DEMAND THAT MIDWESTERN REMOVE THE NEGATIVE ENTRY ON MY CREDIT REPORT BECAUSE THEY NO LONGER HAVE THE AUTHORITY OR PERMISSION TO ACCESS MY CREDIT REPORT FOR ANY REASON DUE TO THIS DEBT BEING RECALLED FROM MIDWESTERN RECOVERY SYSTEMS AND FORGIVEN.
Product: Mortgage

I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my account from, M & T Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are holding me back from opening new accounts. I havent banked with any of them.
Product: Credit reporting or other personal consumer reports

I've been seeking validation and verification from XXXX regarding a negative account on my credit profile, asking for crucial documentation like an acknowledged agreement and transaction history for the balance calculation. Unfortunately, XXXX has refused to provide any such documentation, yet they've reported this unverified debt on my credit report. Moreover, given that this matter appears to be over the statute of limitations, I believe it's crucial to address this discrepancy. Please assist in forwarding my concerns to the respective companies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To whom it may concern, I have just looked at my credit report and noticed that my ( MBFS ) Mercedes Benz Financial auto loan which has long been closed/settled with on-time payment per my understanding of the importance of maintaining a good credit history, is been marked with XXXX late payment for the month XX/XX/year>. 

I have worked diligently to manage my financial obligations responsibly. This single late payment is uncharacteristic of my overall creditworthiness and has had a disproportionate impact on my credit score. 

In light of my positive payment history and the circumstances surrounding this isolated event, I kindly request that ( MBFS ) Mercedes Benz Financial consider removing this late payment from my credit report
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/ Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verificatio
n, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as inaccurate information.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Equifax and noticed that an account with the number ending in XXXX was incorrectly reported as having late payments. Specifically, the report indicated that payments were made XXXX days past due, which is inaccurate. 

To resolve this, I submitted a dispute to Equifax on providing detailed evidence that all payments were made on time. The evidence included payment receipts and account statements that clearly demonstrate my timely payments. 

In response, Equifax sent a notice on [ stating : " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' This response did not address my specific dispute or correct the inaccurate information. 

Subsequently, I also contacted the creditor associated with the account, providing the same documentation and requesting verification and correction of the reported information. Despite these efforts, the incorrect late payments remain on my credit report. 

The continued presence of this inaccurate information has negatively impacted my credit score, causing me stress and potential financial harm. 

I am seeking the CFPBs assistance to ensure Equifax complies with the Fair Credit Reporting Act ( FCRA ) requirements to accurately report my account info