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

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social XXXX Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Consumer Financial Protection Bureau Re : XXXX XXXX XXXX Continued from Case Number : XXXX Account Name : XXXX XXXX ACCEPTAN Account Number : XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( ACA ) continues to report inaccurate information and does so deeper and deeper, without doing adequate research In the statement that you yourself sent me ( ACA ) it contains obvious errors that you are unable to correct, Why do you not report all XXXX payments in the payment history that I have reported to the XXXX? Why do you only report from XX/XX/XXXX if the account was opened in XX/XX/XXXX? The FCRA establishes that every lender that reports information to the CRAs must be accurate and COMPLETE, my question is why do you report inconvenient information? 

Why when you send me the contract you do not send me the scheduled amortization? 
Why do you have a balance higher than the contract that I ORIGINALLY signed? 

Why is the date XX/XX/XXXX repeated in the statement twenty-three times? It is absurd, they continue to report INACCURATE information despite being notified by the client ( XXXX ) ON REPEATED OCCASIONS Why is there a balance of XXXX when in payment # XXXX there should be XXXX, according to my original contract? Why are you trying to charge me more? I have sent the contract with the scheduled official payments and its balance does not match what it should have. Fix this or delete the entire account Do not send me more forms or silly letters, explain why you are charging me more in the balance, if the balance is not updated to what corresponds according to my original contract, I will have no choice but to escalate this to the courts for theft and not take action on the disputes that have been sent to XXXX XXXX. I HAVE ENOUGH EVIDENCE TO SUE THEM I sent the scheduled amortization and here my original contract is ignored with the payment numbers and the exact amounts on each occasion. I demand that the balance be updated or the entire account be deleted. 

Sincerely XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submitted a transaction dispute for {$600.00} back in XXXX when I XXXX XXXX XXXX a web design company that I hired failed to provide the service I paid for and completely ignored my emails following up with whether he was able to complete the task. USAA asked me to submit additional information, but I didn't see the emails and they took the temporary deposit back. I called to find out why they had taken the money back and they explained that I hadn't provided them with information. I asked for the dispute to be reopened and they told me I had to mail the paperwork in. I mailed it and gave them a until XX/XX/2019 to do the investigate. I didn't hear anything back them so I called again. The USAA rep I spoke to told me that he saw the documentation, and that nothing was done with it and that I would need to resend the paperwork and a letter requesting the dispute be reopened. He said it was their fault for not following through back in XXXX until XXXX. So I sent it immediately that day and waited again. I called yesterday, XX/XX/XXXX and they once again never did anything with the paperwork and told me that I had missed the window. The vendor that I paid {$600.00} to did absolutely nothing and I've done what USAA told me to multiple time to get my money back. Each of these conversation were record, I ask the USAA rep I spoke yesterday. I just want my {$600.00} refunded back to me as the vendor did not do any of the work he was contracted to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ). 2. A personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ). These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/202XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX  Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX XXXX as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo has charged me overdraft fees for when my acc is low. They also charged me {$10.00} when my account reached below {$500.00}
Product: Credit card

A 3rd party towing company promised to pick up a vehicle at an agreed rate. I payed via Discover Card. The tow never arrived, after several failed attempts to contact the company, they called back and said that they found a driver to pick up the vehicle. In order to do that I would have to give the driver {$100.00} additional cash. I declined but was stilled billed the original amount of {$240.00}. I contacted discover and explained what happened. They opened an investigation, but closed it and re-billed me for the {$240.00}. I sent proof from the local police department that the vehicle was left abandoned but Discover Card will not help me resolve the case.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$7000.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3800.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$1400.00} XXXX  XXXX XXXX Balance {$2800.00}
Product: Checking or savings account

I deposited a XXXX check that my father in law wrote to me XX/XX/XXXX. The next day my account was restricted. Citi bank asked to verify the funds, his bank wrote a letter to them. They accepted the funds and withdrew the full XXXX from his account XX/XX/XXXX. They told me they closed my account and will be issuing a check of the amount that is owed to me. To be on the look out for 30 to 60 days- the soonest I would receive a check would be XX/XX/XXXX, the latest XX/XX/XXXX. It's now XX/XX/XXXX, they're telling me to wait another 30 to 60 days. This couple months have been extremely hard on my family, we had to asked for donations for XXXX because of this situation. I'm barely making rent.. and because of all of this I'm literally on the edge of being evicted- I am falling behind on bills because they are holding my money XXXX. I have XXXX beautiful children under the age of XXXX whom I have barely been able to support. I want everyone aware of this situation. I don't wish this on my worst enemy. This is wrong. I truly don't know how they are in business. 

I have countless interactions with the business and the department that is handling my issue. As of XX/XX/XXXX they were waiting to hear back from the " back office '' regarding the release of my funds and they would be sending a check asap. But come today- mind you- it's been the first time I've heard my account was closed TODAY and now I have to wait 30 to 60 days for my XXXX check. I can not wait any longer. I need this resolved. It has caused so much distress on my family and my children. 

I have contacted the XXXX  i am waiting for a response. I have contacted the XXXX. And I have reached out to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple issues with my credit report, including incorrect account entries, an unknown collection, unauthorized credit inquiries, and reporting discrepancies. Your support is essential in resolving these matters to safeguard my financial well-being.
Product: Mortgage

I HAVE APPLIED FOR A LOAN MODIFICATION WITH WELLS FARGO. WELLS FARGO COMMITTED MANY ERRORS IN THE LOAN MODIFICATION PROCESS AND FORECLOSURE PROCEEDINGS WITH MILLIONS OF HOMEOWNERS. WELLS FARGO SETTLED WITH STATE & FEDERAL XXXX AND PROMISED TO CLEAN UP THEIR ACT. THE HORRORS CONTINUE. WELLS FARGO HAS DELIBERATELY INFLATED MY INCOME IN ORDER TO ISSUE A DECLINE AND TAKE MY PROPERTY IN FORECLOSURE. WELLS FARGO ISSUED A DECLINE LETTER AND BACK DATED IT TO XXXX XXXX, 2016 AND I RECEIVED IT XXXX. MY INCOME IS MY WAGES $ XXXX, XXXX XXXX {$720.00} + XXXX SOCIAL SECURITY {$830.00}. THIS TOTALS {$3000.00} PER MONTH. WELLS FARGO INFLATED THE INCOME TO {$4200.00}. THIS WAS AN ARBITRARY ACT & THE INCOME THEY FABRICATED IS WITHOUT SUPPORT
Product: Debt collection

I ordered a Electronic exactly from the company I owed towards. The electronic ended up getting stolen/lost while I was at my friends house. Now these people are saying I owe for somthing that I have no presence of even having it. I called them very rude and pushy on the phone lines. They say I called them before and promised I was going to pay them which also isnt true cause they called me multiple times while I was at work and I told them I would get back to them and they repeatedly are pushing for money. 


NOTES * This debt payment was requested back on XX/XX/XXXX and I just received my first notice today from them which is XX/XX/XXXX and there saying im overdue without giving me a notice back in XXXX. 

XXXX Very pushy on the phone lines begging for money that I dont owe. 

* Also the address they have listed as the agency address is Fake cause I checked XXXXXX/XX/XXXX and the place is a clothing store plus a clothing store websit and they also asked me to send my dispute to a place that doesnt even exists. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ma XXXX ( CLOTHING STORE NO DEBT PLACE AT ALL ) PHONE : XXXX ( Pushing for money Seems Fraud )
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not XXXX  % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.
Product: Credit card or prepaid card

I unthawed my credit as I prepared to request and increase of my XXXX & XXXX XXXX credit limit, on the morning of the XXXX of XXXX. Previously when I've requested a credit limit increase with a XXXX & XXXX XXXX card I received a confirmation or denial within 48 hours both to my personal email, any account, on the card issuer 's site, and a mailed copy of the decision. This is my first time trying to request a limit increase with Comenity 's Payboo card. After receiving no response I called their customer service line and was told credit limit decisions can be emailed or mailed but not both. That is the most asinine rule I ever heard instituted by a financial institution mandated to keep scores of records. The agent said she could additionally send an email copy of the decision and that it would show up online in the " message center '' of my Comenity account. I wake up the morning afterward and there's no such message. I continue checking for the next week and see nothing still. I checked my credit the following Wednesday and see that Comenity ran a credit inquiry on the XXXX. This would've been the day AFTER my credit thaw expired and multiple days after the agent I spoke with told me some type of mail correspondence was sent out which went out prior to the digital correspondence she said would've been sent. I have no messages or correspondence digital or mail but I'm told some type of correspondence was definitely made. It feels like they're playing games and being less than honest, I don't particularly appreciate that coming from anybody social security number in their records. Moreover it's arbitrary and nonsensical to pointnof malice to demand consumers accept purely digital correspondence or purely mail when every time I log into your company 's website and create a password I can immediately log out and type in that very username and password and the site won't remember it! This morning when I attempted to access the account message center, I reset my password because the website said it didn't recognize it even though I reset it days prior. When I went to check the message center not only was nothing there, the page glitched and then crashed. I tried to refresh. I visited other parts of the site and tried to click back on the message center and the page was still crashed every time. It's absolutely disgusting a credit card company that makes what Comenity does, is this negligent and indifferent with handling customer services and communicating with customers. Moreover somebody is lying to me because their bills seem to be getting through the mail perfectly fine. I don't like my credit score, financial information, nor my time being played with.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2018 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

TransUnion lowered my credit score XXXXXXXX points this morning because they claim I'm not carrying enough debt. Do you believe that? I haven't had a missed payment in at least XXXX years ( and that was because a bill got lost in the mail ). TransUnion has held my score at XXXX ( like XXXX ) for years. And during that time, I've had the same XXXX credit cards, I've banked at XXXX XXXX XXXX  for XXXX years, and now Transunion claims I need to carry more debt, put purchases on my credit cards, apparently make minimum payments, so they can justify not XXXX my XXXX XXXX. Priceless. I've been on the phone with them several times today, and they hung up on me XXXX times. I guess that's how they resolve complaints. Please help me solve this dispute because I'm not going to get any from TransUnion. Thank you in advance.
Product: Checking or savings account

On XX/XX/2022, two charges were made to my account that were unauthorized ; one in the amount of XXXX and the other XXXX. These were charged by XXXX XXXX. I contacted XXXX on that date to find out what was going on ; they told me no charges were made to my account. I contacted Schools First to file a claim ; I was given a provisional credit while they investigated. I gave them everything I had regarding the transactions. On XXXX these fees were reversed. I was asked to provide additional information from XXXX XXXX which states I did not charge this to my account. I do not have confirmation because I did not make the transaction ; it was fraud! XXXX states they did not charge my account. On XX/XX/XXXX I contacted XXXX again and was told I had to file a complaint online but it could take 30 days. The confirmation/ case # is XXXX. I am filing this complaint because it is close to the 60 day mark in which the transaction was made. I just want this problem resolved and my money back.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.
Product: Credit reporting or other personal consumer reports

I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!
Product: Credit reporting or other personal consumer reports

XX/XX/year> I am writing to file a complaint against TransUnion regarding an incorrect collection account Account Number XXXX on my credit report. The account, listed under File Identification Number XXXX, was marked as " VERIFIED AS ACCURATE and UPDATED '' on XX/XX/year>. However, TransUnion did not conduct a proper investigation into this account. 

The collection account is inaccurately showing a balance and a past-due status, and it is incorrectly reporting monthly payments despite being in collections. Despite my attempts to resolve this issue directly with TransUnion and the creditor/collection agency, no proper validation or correction has been made. Furthermore, TransUnion has prevented my online account access since XX/XX/year>, making it impossible to dispute any information directly. 

Attached are copies of my credit report, dispute letters sent to TransUnion. I request that the CFPB investigate this matter and ensure that TransUnion removes the account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$65.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Hi my name is XXXX XXXX my last XXXX numbers of my social are XXXX, I am writing to formally dispute fraudulent accounts with Bank of America and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. I did not authorize these accounts, and I demand their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX/XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX