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

XX/XX/2023 XXXX I got off the phone with experian, I had asked about fraudulent installment XXXX account ending in XXXX inquiry date XXXX that was deleted information that now somehow has been according to experian unblocked and has appeared now again on my Experian credit file while I am currently under home buying contract. over the phone when I spoke with Experian they said it was the creditor that opened a dispute when I asked about disputes showing up on my credit file on an account already blocked and I told him it was unblocked due to information stating disputes i have made on this blocked fraudulent account they have been unblocked. I asked about the account showing up again and showing currently under dispute as well, He said the account is getting removed for reason of fraud. Today is XX/XX/2023 and still moving forward under contract with this now new credit information still existing I have tried to call again today as it still is showing up. I have time sensitive business to conduct but can not tend to as I have to now write this, send a letter to Experian as well. Tried for a long time calling them but first few times the phone machine wouldnt pick up what I dialed for my identifying information. Then I finally got through and the machine said it couldnt assist me in connecting me to a representative unless for specific allowed matters after having asked me if Im calling about membership and my reply being no. Then I finally called again got through to them connecting me somehow to a representative and they picked up and stayed on the line without responding for a long time I hung up once again. Its XXXX XXXX  update XXXX XXXX  and I am behind on a lot I have to do getting no where yet once again with Experian. This is literally real writing this down seems so unbelievable and just terribly wrong plus all I have had to endure for so long due to all this. Money in the thousands will be lost exceeding what amounts one can even file for in certain suits against credit companys, nevertheless, other routes do exist and I am not going to take a abuse from these companies if this goes down that route and they refuse to cease from reporting fraudulent incorrect unverifiable information about an account I did not make and insist on further reporting false damaging information and if so it is that I am affected by this further after stating here and informing them of what their wrongful reporting and further damage has done and they will be doing to me I will take legal action and seek restitution/compensatin/ be made whole. I have been patient for very long and this is unacceptable unfitting of what is called one of the three major credit beuraus of the United States. I dont have this issue with XXXX or XXXX XXXX XXXX XXXX  im going to have to rush the rest of my day and hope I do not fail at completing my tasks due to this.
Product: Credit reporting or other personal consumer reports

{$730.00} XXXX XXXX ESTABLISHED XX/XX/XXXX, CALLED COMPANY ON XX/XX/XXXX THEY CANT FIND ME IN THEIR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$970.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

Lvnv funding is not willing to delete this off my credit report I have offered to pay but they will not assure me that they will submit a deletion. I have tried today XX/XX/2019 to call them about this debt because I was never sent a certified letter regarding this debt. They never properly notified about this deb I am asking for a deletion off my credit report
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

My mortgage was transferred from XXXX to Freedom Mortgage without my knowledge. I believe the transfer occurred in XX/XX/XXXX. I continued to make my monthly payments, on time, directly to XXXX as I always had. 

I made electronic payments via XXXX online billpay for the amount of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX has stated that they forwarded those payments to Freedom Mortgage on XXXX, XXXX, and XXXX respectively. XXXX has assured me that all of those payments were forwarded electronically - not via paper check. 

Freedom Mortgage received the first XXXX payments and applied them to my account, but they did not receive the XXXX. XXXX has not returned the XXXX payment to me and has also repeatedly refused to provide any proof of them forwarding that payment to Freedom Mortgage. Freedom Mortgage has repeatedly assured me that they have not received that payment. Neither company is willing to contact the other to help me resolve the issue, even after weeks of numerous calls and emails to both companies. My mortgage account is now in default, and despite having an impeccable credit history my credit record is now in jeopardy. 

During every single call to XXXX I have asked them to provide a transaction ID for that third payment of {$1500.00} that they claim to have transferred to Freedom. They have refused to provide any unique identifier or proof of payment to help me locate this payment. XXXX stated that the only way for one to find out more information about this transaction is for Freedom to directly contact XXXX processing department. Freedom has refused to do that, and also refused to allow me to conference both companies onto the same call to resolve the issue. I 've launched multiple research tickets with both companies, and they have not made any progress in locating the missing payment nor disclosing any transaction information that would help me to do so. 

It 's also worth noting that I made my XX/XX/XXXX payment to Freedom by check to prevent any further issues with my account, but they incorrectly applied it to the missing XX/XX/XXXX payment. So while they are showing I still owe them for my XX/XX/XXXX payment, it 's the XX/XX/XXXX payment ( which I made on XX/XX/XXXX to XXXX via XXXX online billpay ) that either XXXX failed reimburse or forward that is currently missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXXXXXX Balance : {$3400.00}.
Product: Checking or savings account

On XX/XX/2019 I woke up and found that my account was at a balance of almost zero when I should have been about {$200.00}. I then saw two unauthorized transactions posted to my account. These were ach debits to which I immediately found the form for the unauthorized debits to report them to Navy Federal Credit Union and shortly after submitting one form per a transaction called the representatives to confirm this form was received. Between now and then, I have called 20 times, been give several different stories, been very rudely spoken to, and forced to deal with an issue I did everything to resolve on my end. I was told I would have both transactions reversed within 2-3 business days of reporting the false charges to which would have been the first day on the first and today would be the 3rd and final day per their policies. Today I have not received one of the two transactions that I was told would be reversed by their policy of process. As a final attempt I called to which Im being told they cant tell me much but to call tomorrow to which I find this absolutely ridiculous. Its hard enough having low funds due to unauthorized transactions but to have to track down the people who are supposed to be fixing it is irritably unprofessionally and against their own policies. I expected both to be processed no later than today but out of no where they can not find one of the two forms I submitted? This is more than stressful and I have attempted to get a straight answer for the last 72hours with no break throughs. This facility time and time again had shown that stealing is more important than protecting finances with their customer.
Product: Debt collection

I have filed a police report back in 2019 in XXXX and notified the credit bureaus i did not apply i did not know of or have any knowledge of this account it was for an apartment complex called XXXX XXXX apartments i never lived there i never applied this debt is totally unknown.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX there were hard inquiries made on my account for JPMCB card. 
However, I did not do business with these companies and Did not get anything from them for these inquiries. I would like to have them removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX regarding Bank of America XXXX, which has been included in my consumer report. 

On XX/XX/year>, I submitted a letter to XXXX XXXX XXXX, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from XXXX XXXX XXXX stating that I had previously disputed this record under XXXX  Case # XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX 2024 and that the dispute had been forwarded to Bank of America for XXXX. According to your response, XXXX XXXX XXXX notified me of the results of this reinvestigation on XX/XX/XXXX and XX/XX/year> I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how XXXX XXXX XXXX determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 
Furthermore, I sent a letter directly to Bank of America on XX/XX/year> requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 
To clarify, if XXXX XXXX XXXX and Bank Of America do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 
Violations of the FCRA : 1. Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. XXXX XXXX XXXX allowed negative information to be reported without providing this validation.

2. Failure to Validate Debt : Bank of America failed to provide the requested debt validation, which is required under federal law.

3. Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 
Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency
may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX .
Product: Credit card

i miss a due date by XXXX day and my credit card company increased my rate ... when I had an excellent pay history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 2.Failure to Notify Me of Investigation Results ( 15 U.S.C.
1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Paid loan off with Mercedes Benz Financial Services years ago ( 8 ) and never got release. Husband died ( XXXX ) sent death certificate and Mercedes Benz Financial has still not released lien letter! 
The title ( provided ) has both my name and my deceased husbands name.
Product: Debt collection

XXXX has been irresponsible transferring my cell phone account to debt collectors that don't provide excellent service to my cell phone account. 

XX/XX/2022, I transferred my cell phone number from XXXX to XXXX. 

Doing transfer process, I was waiting for XXXX to help pay for the transfer from XXXX. 

I was making payments on my XXXX account until I receive T-Mobile compensation to help pay on my account. 

Instead of XXXX keeping my account, they transferred over to a debt collector that was unprofessional in handling my account. 

2 months later, XXXX put my cell phone account on my credit report which was {$280.00}. 

XX/XX/2022, debt collector, handling my account, tell me I owe {$330.00}, but I told them that's not what I saw on my credit report, which was {$280.00}. 

They told me it was their added on fee, I didn't pay because XXXX did not warn me it was sending my cell phone account to a debt collector. 

Fall of 2022, my cell phone account was transferred again to a different debt collector. 

This one is Valor Intelligent Processing , LLC. 

They send me two separate letters both saying I owe {$330.00}, which is unfair due to the way how XXXX and these two debt collectors handle my account.
Product: Mortgage

( 1 ) late mortgage payments 30 days and ( 2 ) 60 days on my credit report This payment was mailed and there was a delay in the mail. Check never made it due to Covid and the USPS. 
Once alerted by my credit report we contacted the mortgage company immediately. 
During our call to Fifth Third we paid that payment and explained the situation. 
All payments were made automatically via ACH after We need our credit cleared. 

We have never been late in our entire life. 
This is critical to our financial situation.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit to my Bank of America account in Nj of a check drawn on a XXXX XXXX checking account in CA which I hold jointly with my wife and sister who resides in CA. 
The check was for {$10000.00}, which is not an extraordinarily large amount for such deposit, as the last prior such check was for {$15000.00} which I deposited on XX/XX/XXXX without incident. Altogether deposits from the XXXX account into the BofA account ( including its pre-merger predecessors ) have been made periodically over all of the past 30 years without incident of any kind. 
On this occasion BofA has put a complete hold on the entire deposit for 12 days, despite my sister having confirmed with XXXX that the {$10000.00} check was cleared by them on the XXXX, which I have pointed out repeatedly to BofA to no avail. 
My credit rating is in the 800-850 range and I have had 5 different  mortgages with BofA on 3 different properties in 3 different states, all of which have been paid off or paid timely/never late. 
BofA will not tell me why they persist in this lengthy and complete hold despite having the funds from XXXX for this past week, and only say they have a right to hold a deposit for up to 10 days ( apparently at their whim as this is the only explanation they give me )
Product: Money transfer, virtual currency, or money service

I bought an item last XX/XX/2024 worth {$1300.00} using zelle through my bank XXXX XXXXXXXX XXXX XXXX. The seller 's information ( license ) and zelle accoint matched thats why i trusted him and trusted zelle 's secuirty they wont let fake information use their service. I was wrong. I got scammed. The seller didnt mail the item i purchased. Zelle doesnt want to help me even after i told they the let fraud created an account and use their service. My bank doesnt want to helped me too. Im so XXXX and XXXX  for many days. {$1300.00} is a big amount of money for me. Please help me with this
Product: Credit card or prepaid card

The following transaction on my card on XXXX of XXXX, 2020 is a case of fraud. 
Merchant : Paypal specialtyst XXXX CA Date : XXXX XXXX, 2020 Amount : {$240.00}