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

I am writing to formally complain about the several unsuccessful attempts I have made to have fraudulent items removed from my credit report. The continued presence of these inaccuracies is causing severe distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my financial stability and creditworthiness. I first identified these discrepancies and have since made several efforts to rectify this situation through your organization. Regrettably, my attempts have been met with frustration and a lack of progress. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not stress enough the serious consequences these fraudulent items have on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and decisive action to correct this situation. I expect a thorough investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to sell a XXXX XXXX bag on XXXX. I was trying to sell a bag for XXXX ; instead of making a profit, I was scammed out of XXXX. I was sent messages from someone posing to be a XXXX customer service representative that demanded me to send money and threatened to have the FBI arrest me. First it was a {$100.00} admin fee to get the money to transfer and then it was {$200.00}. Then, they demanded {$700.00} as the last payment. Unfortunately, I was a fool and sent them the {$700.00}. Then they demanded me to go to a bitcoin machine and purchase {$1500.00} worth and that's when I realized I was definitely being scammed. I have lost XXXX and been behind on all my bills because I needed that money. The whole reason I wanted to sell my XXXX XXXX is because I am broke and needed the money. 
I spoke with Wells Fargo customer service that day and filed three separate claims since there were three separate transactions. 
Unfortunately, the people investigating my situation denied my claims and now I am struggling to pay my bills. 
Now, my credit and deposit score are both tanked. Wells Fargo sent me a letter ( Sent XX/XX/XXXX, received XX/XX/XXXX ) informing me that they are closing my account " to manage risk in their banking operations '' and that my account is expected to close by XX/XX/XXXX or sooner. My account is in the negative and I haven't made any purchases. Furthermore, I can't check my banking activity because they XXXX my online account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX AND XXXX have all been deleted as proven in the attached documents. Equifax has failed to remove the issue even when provided with the correct documentatio. This is a Violation of 607.Compliance procedures [ 15 U.S.C. 1681el ] B ). The Accuracy of report of my report has been incorrect for XXXX months now with a failure to investigate for XXXX months straight. These accounts should be erased as they do not belong to me. These accounts have been removed from XXXX when they ran the correct investigation but equifax has failed to do so. Equifax has repeatedly failed to run FCRA INVESTIGATIONS
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and XXXX  of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided XXXX  so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a XXXX XXXX XXXX in order to delay processing letters from a consumer. If you do not process my letters in a XXXX manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : 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: Mortgage

My husband and I purchased a house in XXXX of 2013. We used a VA loan through XXXX XXXX XXXX XXXX. They told us what realtor to use. That realtor only wanted to show us properties his agency had and when we did choose a perfect property VA denied it because it had no fridge. They approved the house we purchased however even though there was no fridge. During the purchase the realtor would call us to his office to sign papers XXXX inches thick and told us he was on a deadline he had to send them back immediately. We needed to sign now and read it later and would not allow us time to thoroughly read everything before signing. He was pushing everything through as quickly as possible. We paid {$81000.00} for the place and a week after closing the other houses on the street started selling for $ XXXX {$65000.00}. We found out that our place was only worth XXXX. Now we owe XXXX more than the property is worth. There are a number of repairs that were supposedly done. None of them were done properly. Our local XXXX XXXX Fixed a few thing for us. There is so much wrong with the place that it is going to cost about $ XXXX {$200000.00} to properly fix it all. We have applied for and been denied for every government program out there. I feel like my family has been screwed. We have no options with the bank who owned the property before us. We were told we have owned the place too long. We are a low income family and ca n't afford all that this house needs. I feel like it is going to fall down around us. XXXX of the more expensive issues is that the house is sinking. There are springs that run under the houses on this street. The support columns do n't even touch the house because they have sunk into the ground. The floors and walls are cracking, the stairs are pulling away from the wall. It needs jacked up and stabalized. Is there anything we can do?
Product: Credit reporting or other personal consumer reports

XXXX  Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX Closures in Last 4 Years : {$000000000.00}
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I was monitoring my credit report the other day and got shocked from the fact that someone applied for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute following account from my report. Dispute and remove following account from my credit report. XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX have reported collection accounts that are medical bill 's on my credit reports as active collection accounts with a balance due. The accounts were discharged in a chapter XXXX bankruptcy in XXXX XXXX Iowa in XX/XX/XXXX. I have repeatedly sent them copies of the bankruptcy discharge notice from the Federal Courts and they refuse to remove the items from my credit reports. I spoke with XXXX with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX I told XXXX about the accounts and he told me I was correct the balance due on 2 of the accounts were zero and they should not be on my credit report and that they would have the accounts removed. I have had this exact same conversation with XXXX XXXX XXXX accounts on several different occasions yet the collection accounts are still on my credit report. Everytime I contact them I am advised that they update reporting once monthly and they will remove them and it never happens. I have also contacted XXXX on XXXX separate occasions to have this removed from my report and they wont respond to my request at all. XXXX just keeps saying the information I have provided is inaccurate and they are unable to assist me. I've been struggling with this issue for several months. I want the items removed from credit report immediately as they are not active collection accounts, I owe nothing and I'm tired of getting the run around from these two companies. If the items are not removed I will be contacting my attorney to file suit against them both for inaccurate reporting, damages and attempt to continue to collect on debts that have been discharged by the Federal Courts. I would appreciate assistance in getting this matter resolved once and for all.
Product: Debt collection

Even though I told them to stop calling and written communication only they still call. They never sent me a debt validation letter like I requested and then they threatened to throw me and my family in prison for a bill, but they won't even tell me what the bill is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHELLPOINT is reporting inaccurate information on my credit. I recently checked my credit and noticed I had a few late notations on my file. I applied for forbearance and was accepted. I was advised by a representative of SHELLPOINT that no lates would be reported due to the forbearance status. These lates are inaccurate! I have had multiple accounts with you and have never been late. Also, under the CARES Act you can not report year 2020 lates. I have been a long time customer and am very disappointed about this. I need this removed ASAP!
Product: Credit reporting or other personal consumer reports

GS bank USA and showing account closed. I didnt have an account with this provider. I am disputing this on my credit report.
Product: Debt collection

Alltran Financial LP is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.
Product: Credit card or prepaid card

On XX/XX/2022 I opened a dispute with Netspend regarding a service I paid for that I did not receive. I paid for the service on XX/XX/XXXX, Im the amount of {$2000.00}. 


The company refused to refund my money, I submitted text messages, voice recordings and a timeline of of events to Netspend of communication between myself and the individual/company. 

Netspend did not honor the provisional credit while on my dispute results, I was told to call back in 10 days. ( XX/XX/XXXX or XXXX ) I called back and Netspend told me to call back XX/XX/XXXX and that I did not qualify for the provisional credit. I could not get a clear answer on rather or not they attended a chargeback on the individuals/company account.
Product: Debt collection

XXXX was notified of fair reporting act, Spring Oaks Capital LLC continue to park this old debt on my credit report, sabotaging the credit score on various occasions, the debt is to old to be on the credit report, and disputed this twice with XXXX. This debt was closed XX/XX/2014, reopening on different collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas, XXXX SSN : XXXX D.O.B : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please investigate and remove this account from my credit report. Due to Inaccurate reporting of information. 

XXXX Date opened : XX/XX/XXXX Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

I also request that you please send notices of corrections to anyone who received my credit report in the past sixmonths.

Attached is also and example of inaccurate reporting of opened dates on my report. Which deem this report inaccurate and must be remove by Law Failure to Remove will Result in Heavy Legal Action.

Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I set up an account with remitly.com for the purpose of making an international money transfer in the amount of {$300.00} US. I received an email receipt for the transaction, then I received an email notice stating that my transaction had been cancelled due to " suspicious activity '' on my account. 
I tried to email this company for an explanation. The reply I got advised their email customer service was unavailable, as is their telephone customer service, which I also tried. 
I went through a lengthy wait time to speak with a representative on the company 's on line chat application. I was told basically the same thing as the email stated. In addition, I was told that I was barred from ever using their service. When I asked for a detailed explanation of the nature of the suspicious activity and an explanation for their decision, They refused to provide either, and referred me to their user agreement, which provided no specific information about this denial of service except for reasons not applicable to this situation. 
As a consumer I believe I have a right to know exactly what the reasons are for a complete denial of service.
Product: Debt collection

Apparently I had a credit card from XXXX visa back in 2008. I know for sure my credit limit was no more then {$500.00}. I received a letter from the city clerk of the city north tonawanda XXXX XXXX of niagara today saying I 've been sued for {$3100.00}. They stated I have 20 days to make first payment, which is XXXX % of my total wages or their gon na contact my employer and go through them. I 've Google the credit card company XXXX, who I apparently had soo long ago, 8+ years ago and I found out this is happening to so many people. This company went bankrupt in 2008. Please I need help resolving this asap. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to TransUnion and XXXX. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is displaying a balance of XXXX dollars on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX dollars on all my reports. This has been this way for months, this unacceptable and false information.
Product: Credit reporting or other personal consumer reports

I changed my method for payment one month prior to the payment online with XXXX XXXX and the company billed the wrong account and wants to charge me acquired charges for their error in billing mistake
Product: Debt collection

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and  notarized to XXXX, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and  XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to Midland Credit Management. Midland Credit Management responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they  validate the debt and a billing statement. Midland Credit Management continued to report this Unverified Account.

Midland Credit Management, XXXX, XXXX and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation.

XXXX, XXXX  and XXXX has NOT provided me with who verified these accounts?
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 

XXXX, XXXX and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
Product: Credit card or prepaid card

In XX/XX/2020, Barclays Bank DELAWARE ( BANK ) put a Hard inquiry in my credit report for a credit card i never received. I never got accepted into the bank credit card and would like this hard inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX, and XXXX for their persistent failure to address my disputes regarding unauthorized accounts on my credit report. I believe that their actions are in direct violation of 15 USC 1681e, which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

Despite my repeated attempts to dispute these unauthorized accounts, both TransUnion, XXXX, and XXXX have neglected to investigate my concerns adequately. They have failed to provide me with a clear explanation of their investigation process for disputed accounts, as required by law. This lack of response and failure to adhere to the law has caused significant distress and financial harm.
Product: Checking or savings account

I am writing to express my concern and frustration regarding an unauthorized withdrawal that was made from my US Bank account on XX/XX/24. The amount of {$620.00} was withdrawn to settle a US Bank debt incurred by my ex-husband, While my ex-husband is listed on my checking account, we are divorced. He does not contribute any funds to it. This account is primarily used for depositing my work income and managing my personal expenses. The withdrawal of funds for his debt has caused significant financial strain on me, as this money was meant for my living expenses.I kindly request that you investigate this matter urgently and provide a resolution. When I visited the branch today, I explained everything. The person helping me out said I could file a dispute but then when she noticed the debt was from US Bank, the same bank, she said I couldn't do anything about it. I had been with US bank for years and was very disappointed that the US Bank did not offer me a resolution. I am seeking the immediate reversal of the withdrawn amount. I can send all the proofs, the divorce decree, my work direct deposit information or whatever you request. I look forward to your prompt resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Correct name XXXX XXXX. I do not identify by any middle name.