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

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/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 reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, 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 attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Debt collection

Dorough & Dorough LLC a debt collector for XXXX XXXX XXXX was ordered to cease and desist in XXXX for charging astronomical fees and interest and threatening foreclosure to residents without XXXX board approval .They went on to disrupt XXXX meetings and even filed garnishments against homeowners after the cease and desist order was issued and in place. Protests by residents led to them being fired .They further continued refusing to turn over files to a new contracting debt collector and disrupting continuation of operation of the XXXX. 
They somehow reappeared in XXXX without a meeting informing owners of their presence. Dorough & Dorough consistently uses threats and not above board practices like adding additional fees and interest to an initial debt from XXXX even after payments have been made that far exceeds the initial debt. Inability to furnish complete details for charges being assessed, and garnishment against homeowners. In particular, although we agreed via a legal settlement document in XX/XX/XXXX that they would remove the judgement and Writ of Fifa consistent with the agreed payment schedule they have reneged on the settlement agreement and instead have fabricated additional amounts of interest and fees and is now attempting to extort additional monies for removal of the Writ of Fifa. A copy of signed judgement settlement contract and proof of payment is attached.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. 

I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. 

I urgently request the following actions be taken : XXXX an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution withinthe exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. 

Failure to address this complaint promptly XXXX necessitate escalation to regulatory authorities, and I XXXX seek legal counsel to uphold my rights as a consumer. 

I trust in your commitment to upholding fair and accurate credit reporting standards and expect an immediate and decisive resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Opened XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had a Chime account with around {$200.00} in it. I had a negative balance on my Credit Union checking account and used my Chime account to transfer funds to bring it out of negative balance. On XX/XX/2022 i sent {$40.00} from my chime checking account to my Credit Union checking account to bring it out of negative balance. My bank declined the transaction because I was suppose to send the money to my savings account instead of my checking to remove the negative balance. Chime suspended my account because my bank declined the mistake i made. When I contacted Chime they asked for documents to prove any suspicious activity. After giving them the documents they never unsuspended my account. I contacted them again just for them to tell me to send the same documents again. After the second time I got the same repeat email about sending the same documents. I call Chime a few times only to be told they cant do anything. I asked them to close my account and send me my money by check and they told me they cant until i send the same documents again. Chime is sending people in circle just to keep people money and it seems like they are using this money for something else maybe investing or something illegal and thats why they keep people money without returning or until they can pay you back it is a shame these companies are allowed to operate like this
Product: Debt collection

My dispute is regarding a collection account showing on my credit report from Collins Asset Group , LLC in the amount of {$4400.00}, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I never received an Explanation of Calculation of Deficiency and requested a copy from the original creditor showing the amount owed. They have refused to provide said letter. I will not pay until I receive proof that I in fact owed the {$4400.00} they are attempting to collect from me. Please note that this situation have negative impacted my credit and created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've pulled my report and find an XXXX  Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Bank account or service

I have been the ongoing victum of account minipulation, and excessive overdraft fee 's. Recently Citizens bank charged me an extra fee, for no traceable reason, and was hesitant to rebate the funds back. Citizens only allows one rebate per year, even if the fee was wrongfully issued to the account. I then spoke with XXXX, the supervisor for the call center, and after much debate was rebated back the fee. XXXX was not willing to work with me on any other fee 's incurred over the past year, despite my awareness of account minpulation. I have paid over a XXXX dollars this year, aswell as last year, in overdraft fee 's. I am opted out of overdraft protection, so the banks minpulates my account, in efforts to collect a fee through preauthorized debates, and checks. The bank does not give me continuous accurate account updates, and the bank will hold items for long periods of time before clearing them. The bank also states that they subtract items from highest amount to lowest, but this is not reflected on my account. Each time i speak with a call center representative, they seem to have a different set of posting rules to suit there fee 's. In short, anytime my account is low, or if i write multiple checks, the bank will find a way to post fee 's.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of FCRA privacy laws, inaccurate and 7 year statue of limitations on my Consumer Files. XXXX XXXX XXXX XXXX accounts XXXX & XXXX have been illegally RE-AGED after Dispute XX/XX/year>. They also have taken over 30 days to resolve the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXEquifax after I purchased a credit report with IdentityIQ After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX XXXX  days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency and Can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account Under an open and consumer credit plan late for any purpose purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 items 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 ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I renewed my CD over the phone with Bank of America. 

They said I would get a CD receipt in the mail. 

None came. I went through several people - but never got the CD. 

Apparently the button on the computer they pressed no longer works and all said they could not print it themselves. 
I filed a complaint XXXX with you. 

XXXX XXXX called and said she could see the CD on her computer screen. She said she would print it and send it to me. 

But almost 2 weeks later I got nothing. I assumed she was going to print her screen and have it mailed to me. But now I think she used the same button that all the others used - resulting in nothing. 

Then I was surprised to see her response to you that she sent it and closed the complaint. 

I feel this complaint should remain open until I actually receive the CD. 

Something is wrong with the button they are pressing- it should be simple for whomever sees it on their screen to print the screen and place it in an envelope - should not take 2 weeks.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B obliges us to remove any incorrect accounts from my credit report. Can you check the documents? Some accounts listed have inaccuracies in the reporting, including incorrect amounts and dates.
Product: Credit reporting

Experian keeps putting unwarranted and unauthorized Extended Fraud Alerts on my credit file because I keep challenging their reporting of inaccurate items. They are doing this to simply discourage me or make me angry. They have done this now twice within the last month after I told them to stop. They are in violation of the FCRA by not addressing my concerns on my credit file. Instead they want to put fraud alerts on my file to get out of removing items. Not once have I asked them to do this. Not once have I disputed an item rather I have asked them to provide verification based on Section 609 of the FCRA for items that I believe to be inaccurate and they refuse to do so. I am requesting that they remove the Fraud Alert and Stop putting them on my file unless I notify them by writing to do so. These guys need to be fined as they are not obeying the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a method of verification letter to Equifax regarding 4 accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask them to provide me with the following : description of the procedure used to determine the accuracy of the information, name/address/telephone number of each individual contacted regarding these accounts, copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. The dispute has been completed ( if a dispute was actually done ) and I am pleased to see that one of the accounts was deleted ( XXXX XXXX ). However as of today I have not received any type of documents from Equifax or the furnishing companies XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX providing proof that the accounts belong to me and are accurate. The only documents I have received are my dispute results from Equifax. I have been disputing these accounts every since XX/XX/XXXX and Equifax has not provided me with substantial proof of validation that they claim they've received. In light of the recent investigations brought upon Equifax, I feel that my consumer file is being irresponsibly tampered with. Just recently, I had to dispute an account because it was listed on my equifax report twice. Equifax is intentionally and willfully being neglectful in handle my affairs. This is ridiculous and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my credit report, I found an account that isn't related to any transactions done by me and I have no knowledge of this account. This is an error or a result of malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and noticed that a account was opened under my name which I have no knowledge of.
Product: Debt collection

Before the debt was sent to court. I called navy federal and requested alternate ways to pay off debt or if all my debt could be placed as XXXX total and I pay monthly and I was told no one time then another time they told me they would transfer me to the department who help with past due debt. I was given the run around, getting connected to agent to agent. NO SOLUTION. I called another time around and was told that my debt was charged off and sold to a third party called XXXX XXXX XXXX XXXX never contacted me about the debt or any resolving alternative. Just a few days ago I get a certified letter in the mail from the XXXX XXXX XXXX XXXX XXXX XXXX with a complaint " Navy Federal Credit Union XXXX XXXX XXXX  How is it fair for Navy Federal to sell the debt to someone and then turn around and sue me for it.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX # XXXX, # XXXX have 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 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: Debt collection

I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.
Product: Credit card

This is what I wrote to my card company. 

I am writing to formally contest the denial of my fraud dispute regarding unauthorized transactions made on my debit card ending in XXXX. On XX/XX/XXXX, I noticed 13 fraudulent charges at XXXX, totaling {$6800.00}, which were not authorized by me. These transactions took place in XXXX Nevada, XXXX XXXX New York, XXXX XXXX New Jersey, XXXX New Jersey, XXXX XXXX New Jersey, XXXX XXXX New Jersey, XXXX New Jersey, XXXX New Jersey, XXXX New Jersey, XXXX New Jersey, XXXX New Jersey based on my online banking these charges were made at locations where I was not present at the time. 



Upon discovering these fraudulent charges, I immediately contacted your customer service team on XXXX XXXX & XXXX 2025 to dispute them. However, I was informed that my dispute was denied because my card was allegedly present during these transactions. This is impossible, as I had my physical card in my possession at all times. Given this, I suspect my card information may have been cloned or compromised. 



To support my case, I have taken the following steps : Verified my location and whereabouts during the transactions, confirming I was not in the area where they were made by attaching my XXXX billing call history with my location & my travel details. 

Contacted XXXX, which may be able to provide further details on the method of payment ( e.g., chip, tap, or swipe ) and security footage, if necessary. 

Reviewed my transaction history, confirming that I did not authorize these charges. 

Witness statement about my whereabouts between the XXXX to the XXXX of XX/XX/year>. 



Under Regulation E ( for debit cards ) and Regulation Z ( for credit cards ), consumers are protected from fraudulent transactions, and financial institutions are required to conduct a thorough investigation. I believe my case was improperly handled, and I am requesting an immediate reconsideration of my dispute. 



Requested Action : 1. A detailed explanation of how my card was allegedly present for these transactions in all locations.

2. A formal review of my dispute, considering the fact that I was not in the location where the charges occurred.

3. A reversal of the unauthorized charges and restoration of my funds.

4. Any necessary fraud investigation steps to prevent future unauthorized use of my account. 



If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and my states Attorney Generals office for further review.

I expect a response within XXXX business days. Please confirm receipt of this email and provide an update on the status of my case.
Product: Mortgage

I experienced the same with JP Morgan Chase. Chase requested numerous documents and called the wrong phone number. They messed up my refinancing and it took more that 130 days for them to process my refinancing. " XXXX subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes, '' CFPB Director XXXX XXXX said in a statement. " Consumers were kept in the dark about their options or burdened with excessive paperwork. '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being a loyal customer and credit card holder for over 30 years at XXXX, they reported me as having a late payment when I was affected by XXXX XXXX on XX/XX/28, while staying on XXXX XXXX, as my home in XXXX has been under construction. I was forced to evacuate, had no service, etc. I made the payment as soon as possible, the account is current, but it caused my credit score to drop by XXXX pts. This is egregiously extreme and unfair. I contacted them and disputed the reporting through XXXX, but they're refusing to do anything as my home address was not considered to be an area that had a direct hit. However, I was not at my home at the time, I was in the middle of a hurricane on XXXX having to be evacuated. I feel this is not fair and was hoping for some type of resolution to this issue. 

Thank you, XXXX XXXX