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

This is my XXXX CFPB complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting agencies are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the items are verified by the Data Furnishers themselves. However, as my request indicated in my previous CFPB, the Credit Bureaus should send me copies of proof of verification or proof of ownership bearing my signature, in which they have failed. The Credit Bureaus have continued reporting the disputed items claiming to be verified. This action of the Credit Reporting agencies is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to remove the disputed items from my Credit File as soon as possible.
Product: Mortgage

Bank of America has denied efforts to assist with a loan workout or modification of homeowners line of credit. Refuse to assist in refinancing or repayment plan, we have made several efforts to contact Bank of America to get needed assistance to stay in good standings. Instead of helping with other options or programs they consistently are harassing the elderly and are now threatening a XXXX year old senior citizen with foreclosure.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payments were made on time, but XXXX XXXX system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect XXXX XXXX to Account XXXX : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was included in Equifax 's data breach this year. I do not want to waive my right to sue, but the company offers no other choice.
Product: Debt collection

On XX/XX/XXXX I ordered a XXXX XXXX from XXXX for my daughter. It was guaranteed arrive of XX/XX/XXXX. I got notification on XX/XX/XXXX that it shipped and on XX/XX/XXXX I emailed the company and asked when it was arriving at which time I as asked did I received email on XX/XX/XXXX. On XX/XX/XXXX, I did not get my package, there was no tracking number, there was no way to track it and I thought that was odd, and so did XXXX rep. The seller tried to add another month to shipping and I wanted my money back, it felt like a scam, he emailed me and said he would refund me, XXXX said the same thing, I told them.both I was going to put my bank on notice and I did. 
After Investigation, I got my money back. Now i get I have been getting collections calls, and I got a collections notice in the mail, for the very thing I did not get! I am being harrassed for a package that didnt come, they are trying to steal from me.
Product: Debt collection

Got a call on XX/XX/2019 @ XXXX and I could not understand the person 's accent. Then another person got on the line and kept calling me XXXX instead if my name. When I asked him to stop and call me by my name he became abusive on the phone. I told him if he did not stop I would hang up and he said so what hangups, so I did.
Product: Credit reporting or other personal consumer reports

RE : Last 4 of SSN XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. Because the automated response that is attached is unacceptable. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 






Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX method of verification
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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

Greetings, Approximately 4 months ago, my wife and I settled with Discover Card for an account and agreed that this would result in XXXX balance and closure of the account permanently. They agreed and a check for that exact amount was mailed and subsequently cashed. 

Now they are harassing us, claiming additional amounts are owed, somewhere in the neighborhood of {$400.00}. This is essentially fraudulent. 

The agreed-upon amount was PAID IN FULL and a letter confirming this was received. 

Again, harassing calls and letters have been and currently are being done. 

This should be a non-issue as the agreed-upon balance was PAID.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make any these charges or accounts. I ask that the items be deleted to correct my credit report immediately given the damage its already caused. I also reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, I'm currently in Remission so it is very crucial that i have this information corrected immediately. It is also very difficult trying to obtain a suitable financial lifestyle for myself as I've even been denied for simple checking accounts. Please delete the items as soon as possible. 


Thank in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These credit inquiries are not mine. I should only have 2 inquiries I'm responsible for on my Equifax. XXXX  on my XXXX and XXXX on my XXXX. As you can see I have XXXX on my Equifax now. I tried to freeze my Equifax but they had a network issue for weeks. To prove my point, XXXX and XXXX locked my credit and blocked a few fraudulent attempts. I only do prequalifications or No PG, which leaves no hard hits on my account. Thank You! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern, In XXXX of XXXX, my credit card account was removed from my online account when I paid off my auto loan with captialOne and I wasn't notified of any bill due for this credit card. I've had this card with Capital one since XXXX of XXXX, and I've maintained exception payment history by never missing a payment. However, in XXXX of this year, I received communication saying that I had a capital one credit card account had been closed. This communication coupled with not seeing any account information online made it appear as if I no longer had any opened accounts with Capital One. However, the following month I received a 30 day late on my credit report which dropped my score. I would like this account reporting to be updated as PAANL, Paid As Agreed Never Late with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with If the Credit Bureau do not comply with the requests, it leaves me no choice but to pursue legal action. I need the listed account deleted as soon as possible : XXXX XXXX XXXX XXXX
Product: Checking or savings account

This happened back in 2020 so dates are a little fuzzy but I started my account at wells Fargo in XX/XX/2020 to receive my income tax return. They actually held the direct deposit for 5 days because " it was too large ''. They did this multiple times and eventually closed my account. I don't know why by by XXXX of 2020 I didn't have an account and they won't even tell me where my money went
Product: Debt collection

I keep getting unwanted phone calls from a company that is using a " XXXX XXXX '' tactic. I block one, they call again from another number. I called them back today and they tried to get me to give them all my personal information stating they were trying to collect a debt from a company called XXXX. It looks like The original company has sold a debt that was either old, charged off or mistaken which means the original debt is no longer valid, has been written off on taxes or collected reimbursement through their insurance carrier. I can not locate any information in the form of a " Signed Contract '' wet ink signature stating that I owe any debt to this company or any subsidiary. The collection company has been advised to stop contacting me as they have never sent anything in writing stating my rights to challenge the debt within a 30 day period so therefore they are operating by illegal standards of trying to force me to acknowledge a debt that I do not have. If this debt collection company has purchased this debt from the original creditor, and the original debt was written off then the debt is no longer valid when it comes to anyone. This collection company was asked today via the phone, do you have the original contract, the agent said No we do not have that on file, then how can you prove that I or anyone else owes anything to you. Simply sending a statement is not an obligation to say a debt is valid. This collection company FIRST FINANCIAL ASSET MANAGEMENT with a phone number of XXXX has called me from a XXXX several times and I have asked them to cease and desist with all calls bu they keep calling me and harassing me. I do not have a contract with them, I do not owe this company anything as I never entered into any agreement with this company but yet they keep trying to get me to divulge my personal information to them by simply hiding behind " This is an attempt to collect a debt and information can be used to do so '' tactic. Any further attempt to call me or write me will be considered harassment and will be turned over to the State Attorney Generals office. Any attempt to harm my credit by placing a fraudulent collection on my credit will be met with swift legal action. Any attempt to force me to pay a debt, or settle a debt that is not owed to you by a legal, contractual obligation will be met with complaint after compliant being filed with the CFPB for every attempt that you use to call me from a fake phone number or to send me any illegal letter stating that I owe you something when I do not. A contractual agreement is between two people that acknowledge a financial obligation to pay a debt that is legally owed. I do not KNOW THIS FFAM company and have never dealt with them in any capacity and I want them to stop contacting me.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my principal amount of XXXX on XX/XX/XXXX and they are trying to charge 500 % interest and he said intrerest was still accruing daily!!!
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate XXXX account number XXXX date open XXXX
Product: Debt collection

After receiving a notice from a different debt collector dated XXXX XXXX, XXXX regarding a debt of {$200.00} with XXXX ( which I had never heard of before ), I sent a letter XXXX XXXX, XXXX noting that I do not have any responsibility for the debt for which they were trying to collect and requesting that they not provide my information to any other company. I then received a letter from another company dated XXXX XXXX, XXXX regarding that same debt. I responded to it on XXXX XXXX, XXXX stating once again that I had no responsibility for the debt but if they had good reason to believe that I was, to send me proof. 

I then received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX, both received XXXX XXXX, XXXX. One was a letter stating they were initiating a review of the inquiry received and the other with the documentation of a bill from XXXX from XXXX XXXX. This bill was for someone with the same name as me, but for an address/state where I have never lived. I sent a letter dated XXXX XXXX, XXXX stating that the debt did not belong to me and that I have no responsibility for it. I noted that I have never lived in South Dakota and I have never had an account with XXXX or XXXX. I asked that they stop all communication with me and with my address and to record that I have no obligation for this debt. I also noted that they were to have removed my information from their records previously because of a different account they tried to say was mine ( which was from the same town in South Dakota as this debt ), which they finally agreed did not belong to me. They stated before that they had removed my information from their system with regard to the previous inquiry. However, they or someone they work with must have given my address to other companies. 

I once again received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX. One was received XXXX XXXX, XXXX, and the other was received XXXX XXXX, XXXX. They included the same information regarding the debt as the letters received in XX/XX/XXXX. 

I have never lived in South Dakota and I have never done any business with XXXX or XXXX. I continually tell them this debt does not belong to me. I have asked that they remove my information from their systems. I have absolutely NO delinquent debts and they have no reason and no right to keep my information in their systems. I understand they have a job to do, but continually contacting me about debts that are not mine is harassment. 

This has required that I sent multiple letters certified mail and return receipt. This cost is getting burdensome for me and I want them to stop badgering me about debts that are not mine. I have NO responsibility or obligation for them.
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I requested original documentation from XXXX XXXX XXXX regarding an account they are reporting on my credit file. On XX/XX/2023, I sent a formal dispute letter requesting validation and clarification of discrepancies in the account. While they provided some documentation, there are clear discrepancies in the information provided, and critical details are missing. I followed up with an additional request for explanation on XX/XX/2023, but they have not responded to either inquiry. Their failure to provide accurate, complete, and verifiable information raises concerns about the validity of the account. I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX but the creditor did not address the issue, and the XXXX  closed the case without resolution. This situation violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA Sections 609 and 611, I have the right to request complete and accurate documentation for any account being reported to the credit bureaus. The creditor 's failure to address the discrepancies violates their obligation to provide verifiable information. FCRA Section 623 : As a furnisher of information, the creditor is required to ensure the accuracy and completeness of the data reported to credit bureaus. Their lack of response to my dispute and failure to correct the errors is a breach of this responsibility. Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : If the creditor is a debt collector, they are in violation of FDCPA Section 809, which requires proper validation of debts. Additionally, their failure to address inaccuracies may violate Section 807, which prohibits false or misleading representations. I request that this account be removed from my credit file immediately due to the creditor 's noncompliance with these consumer protection laws. I have attached supporting documentation, including copies of my correspondence from XX/XX/XXXX and XX/XX/XXXX, as well as evidence of the discrepancies. I seek the CFPBs assistance in resolving this matter and holding the creditor accountable for their actions.