23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TO WHOM IT MAY CONCERN XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX # XXXX Inquired that is not mine XPXXXX B XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XP/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Charge-Off Dispute Compliance with the FCRA Dear Sir or Madam, I am writing to formally dispute the incorrect reporting of a Charge-Off on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

Details of the disputed account : Creditor Name : FNB OMAHA Account Number : XXXX Account Status : CLOSEDXXXXCHARGEXXXXOFF Amount Reported as Past Due : {$4800.00} Last Payment Date : XX/XX/XXXX Verification Date : XX/XX/XXXX Reason for Dispute : The information reported does not accurately reflect my credit history for the following reasons : The Charge-Off has been inaccurately reported. I have attempted to resolve this issue with FNB Omaha, but they have failed to correct the error.

The debt may be disputed or partially paid. I need verification of the accuracy of the reported amount. 
The creditor has failed to provide proper debt validation as required by law. 
I have not received a Form 1099-C as required by the IRS for canceled debt. If the debt was forgiven or charged off, the creditor is legally obligated to issue this form. Their failure to do so raises concerns about the accuracy and legitimacy of the reporting.

Request : Under FCRA ( 15 U.S.C. 1681i ), I formally request that : A formal investigation be conducted regarding the accuracy of this information.

The creditor provide valid and verifiable proof that this debt was reported correctly.

If validation can not be provided, the Charge-Off be removed from my credit report.

The creditor issue the 1099-C form if the debt has been legally canceled or written off.

I have attached copies of relevant documents supporting my claim. I appreciate your prompt attention to this matter and expect a written response within the 30-day legal timeframe. 

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

Information is inaccurate and company didn't comply to FCRA verification guidelines, and these inaccurate items are causing me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 
fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list
Product: Mortgage

I submitted my XX/XX/2019 payment on XX/XX/2019, they cashed my check on XX/XX/2019. They did not credit my account for the payment. When I called to inquire about my account after they called my house saying they did not get my payment, they said I was missing a payment in XX/XX/2019. 

I sent them a copy of my check I received from my back, and faxed it to the telephone number they gave me ( XXXX ), the Cashiering Department. Now they are saying they did not get the copy of my check that I faxed to them. I have a fax report that said it went thru successfully. 

I want them to credit my account for my payment, and correct my credit report where they said my payments were late, my payments were not late, but early. 

I also want the person who diverted my payment to be disciplined.
Product: Checking or savings account

On XX/XX/2023, I received XXXX certified letters from Huntington National Bank stating that they were closing my XXXX bank accounts on such and such date. I called Huntington Bank in an attempt to discover why they would be closing my accounts seeing Ive only had them opened for a short period of time but they refused to answer the question outside of telling me that I was a risk. They would not elaborate upon what type of risk I was/am. This has led me to believe that they were falsely promoting/advertising the {$400.00} offered to new customers within 90 days of opening a Perks Checking Account with them and decided to close my accounts so they wouldnt have to pay as promised and advertised as a promotion. Additionally, I went to Huntington National Bank by me and spoke with the XXXX and he couldnt discover any reason why my accounts should be closed. My transactions are legit and traceable.
Product: Credit card or prepaid card

I have not received my new Destiny Mastercard replacement card. I been waiting on a replacement card for over 1 month. I want Destiny Mastercard to mail me my new replacement card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX
Product: Vehicle loan or lease

Hello, I am a XXXX XXXX in Colorado. 
I have an auto lease loan with Chase. 
I have never been late in the last 3 years of my lease. 
I was 2 days late, and it was reported to the credit agencies. 
With that being said, we are in our fifth surge of XXXX, and I thought I had scheduled a payment for XX/XX/2021. 
I work in a local XXXX, with bed capacity issues and working with patients on a daily basis. I totally forgot. My mind wasnt focused on my car lease. It was focused on saving lives. 
I contacted Chase and they would not help me. Im looking for a withdraw of my delinquent payment history from my credit reports. I sincerely appreciate any help you can give me. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX today at XXXX CST letting her know that i received a letter from XXXX XXXX XXXX/XXXX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XXXX/XXXX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. XXXX needs to remove all of these accounts immediately.
Product: Debt collection

Debt was paid in the amount XXXX. Please remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Mortgage

I applied for a forbearance plan under the Covid-19 Cares Act rules. I called the loan servicer Mr. Cooper and spoke to 7 people over the course of and hour and 20 mins and no one could help me. The customer service people that answered the phone were, XXXX, XXXX, XXXX, XXXX, XXXX ( the nicest person I spoke to ), XX/XX/XXXX, XXXX,. I spoke to XXXX he said he will be able to take care of the forbearance and then he said he needs to transfer me, he did to XXXX, and XXXX said he could not help me and he needed to transfer me again to XX/XX/XXXX/XX/XX/XXXX, and then she put me on hold and put me back in the cue again and the next guy that picked up asked me exactly the same questions XXXX asked and then was quite rude in asking questions to qualify me for the forbearance and said that the investor does not have to follow the rules that were set up under the Covid-19 rules for forbearance. The longest time frame he had available was 3 months, I asked for 6 mths and he said I was telling him how to do his job and then I asked for his Supervisor and he at first would not give me his name and then I insisted and he gave me the name of XXXX XXXX as his supervisor, I asked to be transferred to him and XXXX transferred me to a different department and not to his supervisor. I have been on the line for 1 hour and 53mins so far and still have not had the forbearance plan put in place for me. This servicer is a prefect example of servicers that have no respect for their clients and till I applied for the forbearance, I had not missed any payments and never been late 30 days.
Product: Debt collection

I am writing to file a complaint against PORTFOLIO RECOVERY regarding an issue with an account that has been reported on my credit report. I believe this report to be erroneous, and despite my efforts to resolve the matter directly with the company, no action has been taken to address the situation. 
Upon reviewing my credit report, I noticed an account reported under PORTFOLIO RECOVERY with the account number XXXX I am not aware of ever opening an account with this company and have no recollection of any transactions or communications with them. 

I contacted PORTFOLIO RECOVERY on XX/XX/year> and provided them with the account number listed on my credit report to seek clarification and request the deletion of this erroneous entry. 

The company informed me that the account number I provided does not exist in their system. Despite this, they refused to take further action to delete the entry from my credit report. 
This inaccurate information on my credit report has negatively affected my credit score and financial standing. The lack of resolution from PORTFOLIO RECOVERY has caused undue stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$880.00}
Product: Checking or savings account

Kept receiving overdraft notifications a eventually had to close account.
Product: Credit reporting or other personal consumer reports

I signed an income based repayment in 2013 as a struggling XXXX. It was to be $ XXXX for 10 years resulting in paid off. It is only increasing showing differed and accruing interest! It has been well over 10 years! I want this XXXX balance and closed out as paid. Im struggling to get a home and car loan for my 3 children and myself because of the significantly high balance and differed status. I want it fixed immediately please I do not make enough as a teacher and 3 children to keep up. Ive struggled for over 10 years with this.
Product: Credit reporting or other personal consumer reports

The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to Fifth Third, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. Fifth third was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX  CA XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX OF L XX/XX/2021 EQUIFAX Collection : XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

My name is XXXX XXXX I am a full-time XXXX student, I recently bought a washing machine from XXXX XXXX after canceling the delivery 3 times they came with the product for delivery, as soon as they put it in my unit and tested it the machine started to make a clicking sound and the dryer shakes horribly. So I asked the tech to take this back he said he can't I will have to make an exchange request and they will come and replace it but he will go and inform the relevant department to come and schedule. when I didn't hear anything for a week I contacted XXXX XXXX and they said it's been over 15 days SINCE THE ORDER so now they can't take this back all they can do is replace and exchange. i was already frustrated with their service so I told them I need u to pick this up .. because I can always order from XXXX and get the same product delivered the next day. the present condition of the machine is I can't explain as the tech said not to use it as it will be replaced.. but I still did to see what was going on the washer makes a loud clicking noise as in something inside is broken and the dryer shakes horribly during drying. I want them to take this machine back and give me my refund. i was not able to submit my response without a picture ( problems are mechanical and a photo won't capture ) so am attaching a random picture just for the response to go through. 

on XX/XX/XXXX I opened a dispute with XXXX, Just today they contacted me with the decision saying " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we did not receive valid proof or tracking that you returned the merchandise '' i have sent them so many screen shots with my conversation with XXXX XXXX they are not responding to my concerns at all they have promised 2 times they will comes to pick it up but they did not. i have a broken washing machine and dryer now and it is of no use. 

I did my part as a customer to involve my bank as soon as possible and kept them updated. the bank asked me to send them a tracking number, I explained how XXXX XXXX works is they deliver and take returns by them selfs how can I take a whole washing machine and a whole dryer and ship it myself and provide the tracking number? i don't even have the XXXX XXXX address I sent them my conversation with the XXXX XXXX where I asked for the address because I want to send the merchandise back they did not respond. Please Please help me. XXXX does not even have any one I can speak to on the phone they only do messages dor the dispute department and that takes for ever. PLEASE HELP ME I AM A STUDENT I DONT HAVE MONEY FOR BROKEN MERCHANDISE PLEASE PLEASE. 

case number : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

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