23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX mailed dispute method of verification & my drivers licence with my permanent address where I have lived since XXXX to Experian for them to show how they verified the incorrect bankruptcy on my report. 
XXXX received email from Experian stating they stared my dispute. 
XX/XX/XXXX received email from Experian stated they verified the bankruptcy and completed investigation, did not tell how or where it was verified from. 
The record is incomplete and inaccurate for court name, ref number, amount, etc. 
XXXX was NOT able to verify the record due to inaccurate information and removed from my record in XX/XX/XXXX. 
XXXX  was NOT able to verify the record due to inaccurate information and removed from my record XX/XX/XXXX. 
My XXXX file is frozen, they couldn't have verified it from there. 
Per my FCRA rights Experian is in direct violation of my rights, bankruptcy needs to be deleted from my report immediately. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting or other personal consumer reports

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an loan that was paid off in XXXX still on my credit report I have put in 3 disputes and call numerous times to Transunion to get it corrected they have yet to correct anything they said I had to contact XXXX XXXX and so I did they said they sent in a manual payoff information and it still on there Transunion couldnt actually be investigating anything because they would have found it to be paid off I have even sent in copies of the paid off receipt and still nothing
Product: Checking or savings account

Dear CFPB, I received the following email today : " XXXX, Were restricting your Capital One account ( s ) until we can verify your recent account activity. 



Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within XXXX business days to the address on file. 



If you have questions, please give us a call at XXXX, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX 



Thanks for choosing Capital One. 




NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX. 





Products and services are offered by Capital One , N.A., Member FDIC. XXXX  Capital One. '' After receiving it, I called Capital One to verify its veracity hopefully resolve the issue and get access to my money again. The representative I spoke to claimed that the bank conducted an internal investigation and found suspicious activity on my account between XXXX and XXXX. They would not specify what exactly they were referring to, though I suspect that they were talking about checks belonging to my mother which she asked me to deposit on her behalf. After informing me that the bank 's decision was final, I was immediately locked out of my checking account, CD and various savings accounts. 

I have tried to call back to seek clarity on when my money will be sent back to me but now they won't speak to me and just ask me to leave a voicemail and don't even let me do that. I am reaching out to CFPB because this is my Social Security money and my savings which I need to survive and pay my bills. I've already opened an account at a different bank but I have no access to my money being held at Capital One. 

Thanks for your help and I look forward to a speedy resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. XXXX XXXX.
Product: Mortgage

Dear CFPB- I have been informed by HUD/FHA directly that I am eligible for a Unemployment Special Forebearance due to Hurricane Harvey and living in a Presidentially Declared Mandated Disaster Area. 

The agent, XXXX XXXX XXXX Escalation 's Team from HUD has reached out on two occasions to CMS on or about XX/XX/XXXX and XX/XX/XXXX to no avail. As of this letter and speaking with her just yesterday ( XX/XX/XXXX ) C.M.S. has not responded via any type of communication to HUD 's query. 

My RMA application was marked complete by CMS on XX/XX/XXXX and summarily rejected on or about XX/XX/XXXX albeit CMS should be fully aware that per FHA/HUD guidelines I am eligible for this Special Forebearance for a multitude of reasons under HUD 's XXXX XXXX and afforded even additional help per HUD Press Release below : PressRelese Releasehttps : //www.hud.gov/XXXX Also, at this point per FHA/HUD guidelines I am supposed to have a Single Point of Contact to be speaking with to discuss remedies and all available options to save my home .... '' This has not occurred ''. 

I have also filed an appeal with CMS which I am entitled to and heard nothing back on that as of yet. 

But what is most disturbing is they will not respond to FHA/HUD 's query after two ( 2 ) request with CMS knowing knowing full well that time is of the essence and each day counts, literally at this stage. 

Very truly yours, XXXX XXXX Loan No XXXX
Product: Credit reporting or other personal consumer reports

The FDIC gave XXXX XXXX XXXX a consent order in 2023 saying the bank participated in unsafe and unsound banking practices relating to fair lending laws and XXXX XXXX XXXX failed to establish and maintain internal controls, information systems, and prudent credit underwriting practices ''. I am a VICTIM of these unsafe and unsound lending practices. This account is not mine and needs to be removed ASAP. 

I have attached the FTC identity theft report here. I have notified BOTH XXXX  AND XXXX multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. 

Both XXXX and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :
Product: Mortgage

My mortgage was originated by XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX, who sold my loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, who placed my Dept of VA loan into the XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they used XXXX procedure of endorsing the Mortgage Note in Blank making XXXX XXXX the owner of the Note, however not owner of the debt as they did not and could not purchase the debt. 

XXXX when out of business on XX/XX/XXXX, when the FDIC declared it a " failed bank '' at that point in time no payments should have been collected as a financially interest party was owed anything. Wells Fargo Bank started servicing my loan on XX/XX/XXXX, as part of the servicing deal between XXXX XXXX Wells Fargo Bank ( Wells ) on XX/XX/XXXX. 

Wells had an outside legal firm in XXXX XXXX XXXX create a fraudulent document in the form of Assignment of Deed of Trust on XX/XX/XXXX forged by Attorney XXXX XXXX performing fraud as Asst Secretary for Mortgage XXXX XXXX XXXX XXXX ( XXXX ). XXXX made it appear as if Wells purchase the loan debt on XX/XX/XXXX from XXXX XXXX XXXX who had already sold the loan back on XX/XX/XXXX to XXXX. No one but the " holder in due course '' has the right to place a lien against the property for a mortgage loan debt. 

Wells has in several writing has stated it purchased the loan and then admitted that it was not the owner and was working for XXXX XXXX. Wells or XXXX XXXX are not the owners of a mortgage debt I owe and as with ever single loan placed into a XXXX XXXX XXXX it is done by separating the Note from the debt by the blank endorsement! 

Wells needs to provide me with a bank wire transfer or cancel check showing that either they or XXXX XXXX purchased the debt. Wells could not legally deliver and have recorded the Assignment of Deed of Trust in their name. 

I enclosed the Note which show the blank endorsement and assignment plus the letter from the FDIC verifying the sell of the loan from XXXX to XXXX of XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for Experian. Experian, XXXX and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.
Product: Debt collection

I had emergency XXXX XXXX. I had XXXX XXXX  insurance. They paid for the XXXX but not the XXXX. I contacted Optima Recovery Service at ( XXXX ) XXXX, to resolve the bill or get a copy of the bill so that I can get help paying it. I spoke with XXXX he told me to shut up. hung up on me twice, would not let me speak to management, and when I called back and he spoke to me a third time he said he had nothing else to say to me. The company was not trying to help me resolve the bill at all, instead they were rude and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report. 

Account XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. 

The list of accounts below has violated my federally protected consumer rights. 

The Credit bureaus stated my account was properly reported and investigated but how is that possible if the open date is inaccurate, the last active is inaccurate, payment dates are not correct, and the last reporting date is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the rights 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Subject : Dispute of Inaccurate Late Payment Report XXXX XXXX Compliance Dear XXXX XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit file under the XXXX XXXX format. Please review the following account for compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards for accuracy and completeness : Account Name : XXXX XXXX  Account Number : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/year> Reason for Dispute : [ Briefly explain why the late payment is inaccurate. Example : " The late payment reported on [ date ] is inaccurate as I made the payment on time. Attached is proof of the timely payment. '' ] Request for Investigation : In accordance with the FCRA, I request an investigation into this matter and ask that any inaccuracies be corrected or removed promptly. The XXXX XXXX format mandates that reported data is complete, accurate, and reflective of the consumer 's payment history. 
Supporting Documentation : I have enclosed the following documents to support my dispute : [ Bank statement showing timely payment ] [ Copy of account statement ] [ Any correspondence with the creditor regarding this matter ] Desired Resolution : Please investigate and correct this error, removing the late payment from my credit file if it is found to be inaccurate. Additionally, I request written confirmation of the actions taken. 
Thank you for your prompt attention to this matter. I look forward to resolving this dispute and maintaining the accuracy of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On the morning of XX/XX/XXXX I received a notice only device that my Apple Card had been used to make a purchase at a XXXX in XXXX, FL in the amount of {$74.00}. Ive never been to this XXXX, I did not make the purchase. It is fraud. I immediately contacted the Apple Card support and reported the fraudulent charge. I had the physical card canceled and thought it was done. It is evident that the card had been skimmed and cloned as someone attempted to use it again at the same place the next day. There has been a rash of skimming at local gas stations here. 
Yesterday, XX/XX/XXXX, I received notice from XXXX XXXXGoldman Sachs that I had lost a dispute over the XX/XX/XXXX charge. I tried to contact Apple Card support and tell them that I had not disputed the charge but rather reported a fraudulent charge. I was passed through three different representatives and then received no response from a fourth.
Product: Bank account or service

Deposited a paycheck in a chase checking account. 
My employer showed that the money was withdrawn from his account onXXXX XXXX,2015 and our account showed that the money was deposited but chase locked the account and we were unable to withdraw, wire transfer or use a debit card to access the money.
Product: Checking or savings account

I purchased a cameo silhouette off of XXXX XXXX XXXX XX/XX/2020 never received my product asked for a refund never received my refund. I disputed it with my bank my bank found no error and told me I was not receiving my refund. There's almost a year later and I still have not received my product or my refund
Product: Credit card or prepaid card

I have written to Discover on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies under 15 USC 16c-2. Specifically, the hard inquiries were not authorized by me and negatively impact my credit score. Kindly remove them as soon as possible.
Product: Debt collection

I am writing to formally dispute and request the removal of a fraudulent collection account that has recently appeared on my credit report. This account is inaccurately affecting my financial score and overall creditworthiness. I have serious concerns regarding the accuracy of this information and request a thorough investigation into the verification process that led to its inclusion on my credit report. 
Upon reviewing my credit report, I discovered the presence of a collection account that I do not recognize and believe to be the result of fraudulent activity. 
XXXX XXXX XXXX  XXXX DELETE!!! 
Furthermore, I question the verification process that led to the inclusion of this collection account on my credit report. It is crucial for the accuracy and fairness of the credit reporting system that a comprehensive and transparent investigation be conducted. Please provide me with detailed information on the steps taken to verify the accuracy of this collection account, including the source of information and the date of verification.
Product: Student loan

My 4 private student loan amounts are increasing and the interest rate is going up. I took the loans out in XX/XX/XXXX, each of them have more amounts than the original loans. All 4 loans as of XX/XX/XXXX is more than the original loan amount. 10 years of payment, how is it possible?? I was few times late due to high payments, trying to juggle family, XXXX kids car payment, rent, Insurance. So many years of payment should count for something. I want to get out of thia situation and refinance but, it is impossible. I am set for failure. I will have pay this for the rest of my life.
Product: Debt collection

The company has never sent a communication or called informing me of the debt so I was not given the right to request information related to the debt I was said to owe. When I found this information on my credit report I contacted them and was told they no longer had the account ( although they are reporting it ) but a sister company has it, I then called the next company to be told they did not have it either, and the last company that claims to owe the debt will not provide me a fax number nor address to send a formal request for verification. This account was not opened by me and needs to be removed yet they continue to verify it belongs to me. I have asked all XXXX companies for a statement by mail or something showing that I have the right to dispute the debt. They have all refused. I have mailed dispute/validation requests to XXXX of the companies that I have been able to obtain the mailing address for. If the XXXX and XXXX company claim to longer own the account and have made no effort to collect on the debt, the information must be reomoved from my credit report or give me the formal notice of collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX is reporting as a delinquent student loan account across all 3 bureaus experian, XXXX and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX in XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

I have been calling Barclay since XX/XX/2021. Including today. My payment in the amount of {$3300.00} was drafted twice from my account of XX/XX/21 I have been fighting to get that money back. Every time I call I get told something different. From too bad you don't get it back, the check is in the mail, it will be credited back to your credit card as a credit, it will be re-deposited into my bank. Today when I called they didn't even have my case number on file. I am frustrated. That is a lot of money for them to not return Any help would be appreciated. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a really common name and stuff gets added to my name and now i need all negative stuff removed due to fraud and data breach. If it is not removed I will be forced to take legal actions.