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

In XXXX, XXXX, the following companies were provided w/a " Manual Remittance Payment '', from the IRS, on behalf of the Affiant, XXXX XXXX XXXX , to pay in full, the credit card account ( s ) with said company ( ies ). These companies are : 1. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Said payments were either : A. Received, but not credited to the account, or B. Received, not documented, and not credited to the account, or C. Received, not documented, not disclosed as received, and not credited to the account, etc., etc. 

Since having received whatever documentation and payment from the IRS that was authorized and requested by me, the companies involved proceeded to pursue collection action ( s ) against me, and have fraudulently and falsely reported the so-called " unpaid '' balance ( s ), as " debt '' that I still owe.

These companies have failed to properly " discharge '' the alleged " debt '' due to their refusal, and/or inexperience or education " accepting '' a properly tendered payment, and have continued to be in dishonor. 

These companies refuse to provide proper documentation based upon GAAP, and simply provide copies of statements ( not bills ) as " proof '' of an alleged " debt ''. They have falsely reported the said accounts as " unpaid ''. 

Finally, these said companies, by providing false and misleading information to the CRA 's, have severely damaged my credit, which prior to XX/XX/year>, was in the XXXX range, and, have not properly disclosed, as per agreement, whether ALL payments and/or credits to the accounts in question, were either credited, or returned as " undocumented '', " un-accounted for '', or simply " lost ''. 

I am therefore, requesting a re-investigation of this matter in its entirety, so that Justice may prevail. For the record, I have all documentation related to the requesting of, and mailling to the relevant IRS offices, of said " Manual Remittance Payment '' requests to support the foregoing information.
Product: Checking or savings account

It came to my attention on XX/XX/XXXX that XXXX large Electronic withdrawals had been taken from my US Bank savings account.The total amount of all XXXX amounted to {$41000.00}. 

This is a savings account I opened in XXXX  XXXX after the death of my husband. I have never withdrawn money from this account, never transferred money from this account, it was just my nest egg. The first withdrawal was dated XX/XX/XXXX. This amount appeared at the very bottom of my XX/XX/XXXX ( which I received XX/XX/XXXX ) statement as a small XXXX line entry. Because I have never touched this account I admit I overlooked this. This Electronic withdrawal and the following XXXX others all went to XXXX XXXX. The next months statement I did not receive, at the time I was receiving paper statements from the bank. By the time I received the XXXX statement I could not believe what I saw. My savings was considerably lower. I immediately went to my bank and began the process. 
Thankfully I received all my money back EXCEPT the original {$11000.00} which my bank tells me I waited more than 60 days to notice so they can do nothing. Fraud is fraud. They know where this money went. I trusted US Bank with my savings. Never received an alert or notice or even a phone call or e-mail of any kind about unusual activity. I want my funds back. 

I have provided any and all paperwork the bank required. I want US Bank to fulfill its fiduciary responsibility to me and return my money. I thought it would be safe to deposit money in a bank, but US Bank has proven otherwise
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX 2025 RE : Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Investigation and Verification of Accounts Dear CFPB, I am writing to formally dispute the accuracy and completeness of certain items on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts to verify their accuracy and validity.

The accounts in question are : 1. XX/XX/XXXX acct XXXX 2. XXXX acct XXXX 3.XX/XX/XXXXXX/XX/XXXXacct XXXX 4. XX/XX/XXXX XXXX XXXX acct XXXX 5. XXXX XXXX acct XXXX. 
6. XXXX XXXXXX/XX/XXXXacct XXXX 7. XXXX acct XXXX. 
8. XX/XX/XXXX/ Imagine acct XXXX 9. XXXX XXXX acct XXXX My personal information that needs to be corrected and updated is as follows : My current address is : XXXX XXXX XXXX XXXX MI XXXX As well as. 

I have never worked for XXXX XXXX XXXX This needs to be deleted from my credit report. 

I have reviewed my credit report and believe these accounts contain errors or inaccuracies. I request that you investigate these items, verify their legitimacy, and provide me with documentation supporting their accuracy. If you can not verify the accounts as accurate and complete, I request that they be removed from my credit file immediately. 

For your reference, I have attached copies of my credit report with the disputed accounts and beginning account numbers, as well as any supporting documentation. Additionally, I have enclosed a copy of my identification and proof of address to verify my identity. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report, I request that you send me an updated copy of my report reflecting those corrections.

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe allowed by law. If you require any additional information, please contact me at the phone number or email listed above. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing regarding the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. Copy of the XXXX showing where you took the write off I kindly ask that you provide this information as soon as possible. IF you refuse to provide me with the XXXX showing the charge off as my credit report indicates, I will file a lawsuit for statutory damages. I also want the account removed from my credit report immediately. Please feel free to contact me at XXXX or XXXX if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX 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  XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  # XXXX XXXX : # XXXX has violated my rights. 
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. 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: Checking or savings account

Hello. 
I had XXXX! unauthorized charges on my Health Savings Account from Optum Bank posted on XX/XX/XXXX. 
Here is a screenshot : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- All on the same date and the same location. Two of those were for the same exact amount of {$200.00}. 
I called immediately as I found this out. After that I had some, not all, charges reversed, except a double charge for {$200.00}. 
I called them several times since, but nothing is happening. They will kick me around to different " representatives '', and/or keep me on hold for long time. Each time I have to spend around 40min to an hour trying to explain again and again on what's happened to another person on the line. It is like talking to a wall. I am getting nowhere with this. 
Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX... 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

: This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXX XXXX XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I have tried numerous times to explain to your agency that SPS Portfolio XXXX is discriminating against me and tying up my clear deed and title to my property. Now Im explaining to you that SPS Portfolio XXXX is using my title and deed to my property to charge me after my insurance company has paid off my mortgage. My house completely burned on XX/XX/2022, my homeowners insurance company paid off my mortgage and I am still fighting this SPS Portfolio to get the clear title and deed to my property so that I can get my house cleaned up, hauled off and rebuild. I have XXXX XXXX and I have had to cut my medical treatments back to keep my paid off mortgage out of foreclosure. This company has been a problem and my homeowners insurance company told me that they would back me 100 % in lawsuits against this company. Im highly upset that this company is allowed to do this and its tying up my necessary health treatments and my finances dealing with my completely paid off mortgage. My insurance adjuster told the people at the company that she had recorded every conversation she had with them and that my insurance company was going to support me in filing lawsuits against the company. I have enough to handle and need someone to help me. My insurance company doesnt trust this company and has them continuously lying over and over again. Now I have enough to deal with and these people are are making it worse
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX a charge was placed on my Barclay 's forward XXXX for {$650.00} from Home Depot.Com this is a unknown charge I have not authorized, nor have I given any such individuals use of my credit card. 
Upon receiving my billing statement I immediately called Barclay 's customer service number to notify them of this fraudulent charge and immediately cancel my account, and then open up a new account with a different card number.

I was assured by Barclay 's customer service I was protected from fraud on my card with their Zero liability on unauthorized, unknown charges to the cardholder.A conditional credit was issued for that amount mentioned above, until it became Final and closed by Barclay's.This letter was dated XXXX XXXX stating, After conducting our investigation you are not responsible for the fraudulent activity on your account.Then received a letter from Barclay 's dated XXXX XXXX that is was reversed and the charges will be billed back to XXXX appealed their decision in writing, then appealed their denial once again, have sent numerous letters to XXXX 's even XXXX a letter to the office of the President of the company as well. 
XXXX XXXX XXXX XXXX XXXX # XXXX, response received a few days ago, after two attempts, NO response from Barclay's.Also did a dispute via telephone with XXXX Conf # XXXX XXXX XXXXAlso placed fraud alert with XXXX as well as a online dispute with XXXX with the help of XXXX XXXX.com they noted the dispute meets FCRA only listed on XXXX XXXX side of credit report.XXXX  is now reporting me past due on this fraudulent charges that Barclay 's has reported.It seems that somebody hacked into my phone with and somehow got this account number. 
I also submitted a complaint to XXXX at The Federal Trade Commission on XX/XX/2022 Complaint # XXXX. 
Please assist me my Credit score is over XXXX and this Company refuses to comply with their policies and Federal consumer protection laws.I can furnish what ever you need from me upon request, I would gladly forward them via email.Please I have endured some much stress from a fraudulent purchase done by a cyber hacker. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Vermont XXXX Home Phone- ( XXXX ) XXXX Voice mail only-NO Texts
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with these people at the XXXX customer service disputing this fraudulent student loan for months.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Equifax credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus XXXX & Equifax but both state that its accurate
Product: Mortgage

I switched hazard providers, and sent to Ditech Escrow department the balance of the escrow refund from previous provider with instructions to apply toward escrow. Ditech incorrectly applied these funds. The amount sent was {$1700.00}. Part was applied towards a payment and the rest towards escrow. This resulted in a much higher monthly payment. I called 6 times, spoke with a representative / manager and each time was told that this was recognized and corrected. It has not been corrected and when I now make my monthly payment, it ends up in an " UN-applied funds '' account. This has made me delinquent and causing negative credit reporting. No one has been able to correct my account, included manages that have promised my confirmation call or email to verify the correction of the misapplied funds. 
HELP!