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

Dear [ Experian ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Debt collection

this card is not mine i did not sign for it my id was stolen
Product: Checking or savings account

I recently opened a brand new account with the company online. Had two large deposits, one being a direct deposit of {$500.00} and the second being {$1500.00} check from my place of employment. Since I am a new customer my check was held for 7 days which was fine to me. But they completely blocked my account from any withdrawal or use of my card. I cant even access my funds that I deposited myself. After talking to multiple customer reps and branch employees no one can tell me why I still cant access my funds even after my check has been cleared and paid.
Product: Credit reporting or other personal consumer reports

This account is showing errors and incorrect information. I have the account name and number. XXXX  # XXXX, I never miss a payment please updated to correct and never late. Please fix or delete this account. Please update to correct. View the history is not correct. Please reinvestagate those late payment.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX Bank XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX Fed XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I received a letter from XXXX dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank you
Product: Mortgage

SPS, XXXX provided fraudulent statements in a response to my complaint, please see attached. SPS XXXX the Bankruptcy Court Notified them about a Bankruptcy I filed 4 years when XXXX was the mortgage holder on the property. I spoke with XXXX Bankruptcy and my attorney, no notice was sent to SPS about my bankruptcy. If SPS was sent notification I would like a copy of the notification.
Product: Checking or savings account

illegally removed over {$490.00} my from Account held at USAA. Never received full amount. Used my fund for XXXX XXXX ; XXXX and other corporations and Union without my consent; not excluding using my account to establish illegal and criminal financial trust account. to include purchasing vehicles known as classic cars for personal gain over the past 25 years ; moreso since the Creation of USAA in 1996.
Product: Debt collection

I tried to communicate as instructed by XXXX XXXX XXXX XXXX XXXX ( see attached ) with " servicer '' to address my concerns in XXXX email dated and forward to all parties involved on XX/XX/2018. Please see below email forward. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To XXXX CC XXXX, XXXX XX/XX/XXXX at XXXX PM XXXX XXXX XXXX, XXXX XXXX has informed me to contact you " the Servicer '' ( SLS ) and now I have been declined information from both you and XXXX XXXX referencing my concerns as a consumer-homeowner. 

XXXX XXXX stated SLS in fact is not affiliated with XXXX XXXX in anyway ( per the XXXX letter attached from XXXX XXXX ). These statements from XXXX XXXX are misleading, deceptive and confusing. " Please advise clarity of your affiliation and a detailed explanation of your position. 

If all possible can you furnish me a contract that confirms your interest in and with XXXX XXXX  and all Trust, in addition to a clear chain of title from the originator due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX having no knowledge of the chain of title who in fact transferred this unlawful transaction to you without merit. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT Please confirm and respond within 15 days of receipt. 

Cc : XXXX XXXX XXXX XXXX - VP
Product: Credit card or prepaid card

Case Number : XXXX Merchant : XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$27.00} Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute. By way of this signed letter, I will continue with disputing the above listed information. On the evening of XX/XX/XXXX, I placed a take out order for two # 5 combo sandwiches and two # 6 combo sandwiches. The merchant made a mistake by giving me two # 7 combo sandwiches ( see attached sales invoice ). Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive. Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they " rarely make mistakes '', " I must be wrong '' and that he records videos and voices of all his customers. In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup. 

The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from Experian, XXXX and XXXX already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
Product: Debt collection

I just found out I have a huge debt with XXXX XXXX, in XX/XX/2018 I had payed XXXX bucks to the account because of some late fees. To my knowledge the account was in XXXX dollars. Recently I just found out I owe them {$190.00} and called them to ask them why. The credit card is from hot topic and I don't even use it at all, last time I did was last year, so they told me I had still left to pay an amount of a dollar and fifty something cents. And since then, all the late fees they applied got my account up to almost 200 bucks. A card I don't even use and an amount I didn't knew about. I called them up and told the lady I don't know when I can pay that amount because right now I'm unemployed. She insisted on me telling her a date which I couldn't as I told her more than once than I can't tell her when, because of what I just said. So she automatically set me up a date this XXXX, which it seems I have to pay. I just find it really unfair that from just a dollar and a few cents I have to pay almost 200 bucks which I don't have and from a card I haven't used much at all.
Product: Mortgage

On XX/XX/XXXX, I filed for loss mitigation with XXXX XXXX  through my servicer Dovenmuehle. Unfortunately, I am among many in this supposedly excellent Biden economy ( HA ) that has been unemployed for XXXX months. I keep getting job denial after job denial because I am from the mortgage industry. I had to, unfortunately, leave my job due to health issues and reasons created by the workplace. 

Boy, it's old-fashioned and unfortunate. I was directed to go to XXXX where uploading information is really not that great nor is it that kind. I have uploaded my documents and this company is making this very hard to even apply for hardship. 

Below are the issues : XX/XX/XXXX @ XXXX CST - XXXX XXXX Called to understand the need to be providing additional bank statements when the site asks for 3 months and our cycle ends on the XXXX of the month. I uploaded XXXX months and this is partially completed and, speaking to XXXX she was not aware of what is going on and really couldn't help. I asked to speak with a XXXX or someone else and she explained that they would call me back the same day. No one called. 

XX/XX/XXXX @ XXXX CST spoke to XXXX XXXX Requested to speak with a supervisor and she assured me someone would call me. I was told that someone named XXXX would call me but she failed to call me. 


XX/XX/XXXX XXXX spoke to XXXX XXXX. This lady seemed as though she was doing something at home or just not flat out helping me. I hung up and called back. 

XX/XX/XXXX, XXXX spoke to XXXX. This gentleman was the kindest and most helpful. He even asked many questions that I am not sure what they were for, but the previous agents never asked me about them. I asked XXXX to have a XXXX call me but he helped me out with a few things. 
XXXX. I have provided documentation e-signed from XXXX that has a HALO and proof of my signature and email showing where I signed it from. This is being rejected due to not using XXXX. I feel as though this is extremely biased a lazy processor who doesn't want to do their job. If the vendor has a preferred company that is used they need to be providing the consumer the access then. I will continue submitting XXXX through XXXX XXXX. Signed and dated tax returns. There is a XXXX in our mortgage file, as well as, tax transcripts. I have provided the XXXX tax returns already and feel as though we're making someone feel good by having to sign tax returns that is not even required by the GSEs or XXXX. And in the XXXX Appendix Q is not a requirement either. 

XXXX. Unemployment Income. This person keeps asking me for a letter from Unemployment when the state of CA does not ever issue an Unemployment letter. This individual could use the bank statements from XXXX # XXXX and see the {$810.00} deposited every XXXX weeks. I have sent them all that I have from CA Unemployment, not my fault I can not give them something without my name. Honestly, I'm asking for hardship if like this processor believes it is not mine, I'm just making my situation worse. Literally, this processor needs to use their brain. 

The issue is no one at this horrible servicer Dovenmuehle is helpful and management never returns calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX  , XXXX  , XXXX XXXX and XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you
Product: Credit card or prepaid card

Hj! I received a letter approximately XX/XX/2023 that if I dont reach to American Express to discuss procedure on my credit card by XX/XX/2023 that it would close and sent to collections! Ive called around XXXX XXXX XXXX to discuss matters and was told that it was already sent to collection and today is the XXXX
Product: Credit card or prepaid card

I closed this account on XX/XX/. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account. 

This isnt a consumer friendly card and they want to milk the consumer anyway they can.
Product: Debt collection

An individual by the name of XXXX XXXX has repeatedly called my landline house phone claiming to collect a debt that he will not specify. He claims to be a representative of Municipal Services Bureau and only provides this phone number XXXX. I do not know of any debts I currently owe to this company which is based in Texas. When I called the number to inquire about the debt I owe, I was kept on hold for almost an hour and spoke to no one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Product: Debt collection

On XXXX XXXX, 2015 I mailed a certified letter to Financial Data Systems requesting a cease of communication notice. The return receipt was signed on XXXX/XXXX/15 by a XXXX XXXX XXXX. I received multiple calls after the letter was signed for. 
I also explained to the credit agency that I have not missed a payment, nor was I late EVER with a payment to their client. When I reported that to them, they claim their client is proceeding with collections even though I 'm not in default in any way to our existing payment agreement. 
And there were fees in the amount of {$370.00} additional added to the balance of {$1500.00} I owe their client. They can not justify the additional charges.
Product: Mortgage

XXXX XXXX XXXX is not applying my payments to escrow properly and this is adversely affecting my credit. 

No response from the company via email or phone. 

If you do get through the automated phone prompts a representative will just place you on an eternal hold. 

No real regulatory oversite either as CFBP does not follow up on claims to assist with a peaceful resolution.
Product: Mortgage

I have a VA mortgage with US Bank, for years I have paid on time normally over the amount due. XX/XX/XXXX I sent a check from may bank, XXXX, to US Bank for {$2400.00}. They only used the electronic withdrawal for XXXX and then they say I am late and did n't pay the mortgage. They have no copy of the check, XXXX has no copy of the check. How can a bank withdraw money without producing a check or other evidence of the amount? I have called both and neither will do anything except say it is being looked into. I am supposed to pay interest, late fees and have a mark on my credit score ( XXXX last check ) because of the banks mistake. The bank makes a mistake, destroys the evidence and it is my fault. US Bank and XXXX both are refusing to do anything to help
Product: Credit reporting, credit repair services, or other personal consumer reports

Complain against ; Certegy Payment Solutions , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Transaction Date : XX/XX/2022 Transaction Ref # XXXX Certegy Payment Solutions , LLC collect my information and use it to sell financial services to XXXX. 

Certegy Payment Solutions , LLC confirm they advise XXXX to decline my transaction based on false and incorrect information the company collected and use. 
The company representative confirm they based the decision they sold to XXXX, on information they refuse to allow me to correct/update and/or verify. 

The company representative also refuse to inform me, how i can update the inaccurate and/or incomplete information they used to sell financial product to XXXX. 

I contacted Certegy Payment Solutions , LLC, and ask them for a copy of the data they collect and the company refuse. 

Additionally, I was requested to provide personal information, such as social security #, XXXX Identification information, but when I request the company how my information is protected from fraud, misuse, sharing and abuse, the company refuse to provide any details.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX # XXXX - BALANCE {$13000.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

XXXX XXXX XXXX accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.