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

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a persisting issue related to fraudulent items on my credit report. Despite numerous attempts to rectify this situation, I am dismayed to discover that these items continue to be reported on my credit profile. The fraudulent items in question pertain to continues reporting in my file, such as unauthorized credit accounts, erroneous late payments, or identity theft-related issues. These inaccuracies have had a detrimental impact on my credit score and have caused undue stress and inconvenience in my financial life. I would like to bring to your attention the various steps I have taken to resolve this matter : I sent dispute letters to all three major credit bureaus XXXX, Experian, and XXXX, providing detailed information about the fraudulent items and requesting their removal from my credit report. In compliance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. I also completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). I have contacted the relevant creditors involved in these fraudulent accounts to inform them of the situation, dispute the charges, and request any necessary documentation. Despite taking these steps and providing all requested documentation to substantiate my claims, I am dismayed to see that the fraudulent items remain on my credit report. This situation is not only damaging my financial stability but also causing significant emotional distress. I kindly request your immediate attention and action to rectify this matter. I urge you to investigate this issue promptly, remove the fraudulent items from my credit report, and provide me with written confirmation of their removal. Additionally, I request that you review your internal procedures to prevent such issues from occurring in the future. Failure to address this issue adequately and promptly may compel me to seek legal recourse to protect my rights as a consumer. I believe that a swift resolution is in the best interest of all parties involved. Please consider this letter as an official complaint and a formal request for action. I expect your response within the exact timeframe from the date of this letter. Kindly assist me to remove these fraudulent items right away : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.
Product: Checking or savings account

On XX/XX/XXXX I deposited a CERTIFIED check for {$140000.00} into my XXXX ( XXXX  XXXX account ) at Bank of America in XXXX XXXX, New York. Event though the check was certified and the funds removed from my client 's account the bank placed an extended hold until XX/XX/XXXX. I contacted the bank more than once only to be given the explanation that though the check is certified and issued from a local bank ( XXXX XXXX ) the hold was placed because BOA has determined that there is a higher than normal chance that the check would not be paid. I was not provided any specific information or explanation just a generic disclaimer. I do not believe the reason provided because BOA could have easily verified the availability of the funds, the check was certified, issued from a local bank. 
BOA has a pattern of doing this.
Product: Student loan

My loan was paid in full and forgiven and it's still not updated on my credit report and I filed a complaint with the cfpb who marked it as duplicate and did not do their job either and provide me the actual response from Nelnet it was not attached so I do not have it and I need the response.
Product: Credit reporting

I have hired a company to resolve this and they have not been able to do so. XXXX XXXX has reported information correctly about my payoff. The Credit Bureau is mispresenting the information. There were two late payments because of XXXX 's error. The mortgage was paid in full and closed in good standing.
Product: Debt collection

The debt collector, Convergent, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXX this is OUTRIGHT FALSE. 

The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX. 

Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages. 

At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY. 

At worst, they are making up debt all together. 

Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities. 

I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices. 

I disputed this account with XXXX back in XXXX and this company verified the false information they are providing and XXXX took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged. 

As such, I would like to file a complaint against both XXXX and Convergent. But especially against Convergent. 

For them to intentionally cause financial harm to Americans with false information after everything we went through with COVID shutdowns is particularly repulsive.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Hard Inquiry by CB Indigo Dear Sir or Madam, I am writing to file a formal complaint concerning an unauthorized hard inquiry on my credit reports made by XXXX XXXX. Upon reviewing my credit reports from XXXX, TransUnion, and XXXX, I discovered a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

I have not applied for any new lines of credit with XXXX XXXX or any of its affiliates, nor have I given permission for any credit inquiries. This unauthorized hard inquiry has adversely affected my credit score and may impact my future ability to obtain credit.

I kindly request the following actions : Investigation : Please investigate this matter to determine how this unauthorized inquiry occurred.

Removal of Inquiry : If no valid authorization is found, instruct XXXX XXXX to immediately remove the hard inquiry from all three of my credit reports. 
Correction of Credit Score : Ensure that any negative impact on my credit score resulting from this inquiry is corrected.

I have attached copies of my credit reports highlighting the unauthorized inquiry for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. Please feel free to contact me if you require any additional information. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX  XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX  XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Ive been a faithful Chase Bank customer for over 20 years. I opened my first checking account with Chase ( formerly XXXX XXXX ) at the age of XXXX XXXX XXXX now. On XX/XX/2022 I decided to go to the bank and make a withdrawal and was advised that my account was closed. I was also told that all funds in my checking account would be frozen for 90 days. I have gotten multiple conflicting reasons from the branch and over the phone as to why my account was closed. The bank has been unable to give me a clear answer as to why my account was closed. I spoke to a supervisor by the name of XXXX who said the bank is unable to provide a reason and was transferred to 4 different departments ; each placing blame on the last. My account was not in the negative whatsoever upon closing. The representatives are being evasive and not providing clear answers. I have a family to feed, I have to pay my mortgage, I have to drive to work and live in a already tough economic environment. I can not survive for 90 days without access to all the money I have saved. Im reaching out to the CFPB for assistance in this matter as Ive made multiple visits to l resolve this issue in person and over the phone with no results. Thank you in advance for any assistance you can provide.
Product: Mortgage

My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the collection account reported by XXXX in the amount of {$2300.00}. I am requesting the immediate removal of this account from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX in writing that I refuse to pay the alleged debt, and despite this notification, they continued to report the account to credit bureaus and engage in activities that constitute communication. 

This is a clear violation of federal law. The ongoing reporting of this account constitutes indirect communication, as it continues to cause harm to my financial standing and credit reputation. 

2. Failure to Cease Communication By continuing to report this collection account to credit bureaus after being notified of my refusal to pay, XXXX has failed to comply with their legal obligation to cease all communication. This ongoing violation underscores their disregard for consumer rights as established under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN DISPUTING THE INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2018. IVE  ALSO SENT COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD MULTIPLE TIMES AND THERE IS ALWAYS A PROBLEM MOST RECENTLY I WAS TOLD THAT THEY COULD NOT READ THE IMAGES SENT TO THEM. IVE JUST RECENTLY RECEIVED MAIL FROM EQUIFAX TELLING ME THEY COULD NOT LOCATE MY CREDIT FILE WITH MY IDENTIFICATION I SUBMITTED TO THEM. IF THIS WAS TRUE WHY DID THEY SEND ME A EMAIL STATING THAT THEY A PROCESSING MY DISPUTE BUT THE ONLY THING THEY ARE DOING IS UPDATING A XXXX ACCOUNT WHICH IS NOT MY ACCOUNT I NEVER HAD A XXXX ACCOUNT BUT THEY KEEP UPDATING THIS SAME INFORMATION BUT NOT RELEASING THE INFORMATION ON HOW THIS ACCOUNT IS BEING VALIDATED. EQUIFAX SHOULD NOT BE RESPONSIBLE FOR HANDLING CONSUMER ACCOUNTS BECAUSE THEY ARE UNRELIABLE IRRESPONSIBLE AND REFUSE TO INVESTIGATE DISPUTES ACCURATELY BECAUSE IF THEY DID THIS INFORMATION WOULD HAVE BEEN REMOVED OVER A YEAR AGO BECAUSE IVE NEVER OWNED A XXXX   ACCOUNT AND I NEVER LIVED AT XXXX XXXX XXXX XXXX NY XXXX. HOPEFULLY YOU CAN MEDIATE THIS SITUATION BECAUSE MY NEXT STEP WILL BE SEEKING THE ADVICE OF LEGAL COUNSEL. EQUIFAX IS LITERALLY RUINING MY LIFE BY REPORTING INACCURACIES ON MY CREDIT REPORT.
Product: Checking or savings account

Chase for some reason will not allow my account to stay open. There must be an error in their system that wont allow me to have a business or personal account. I have never done anything wrong nor am I affiliated with anyone / anything that is remotely wrong. 
Please fix this - I am looking to move my IRA and regular brokerage accounts as well from XXXX XXXX to JPM
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX CO XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # XXXX has violated my rights. 

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

I have submitted Everything I am supposed to submit 3 times. Transition has taken care of everything but XXXX has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was included in a bankruptcy, the amount is reflecting a owed amount of {$190.00} or XXXX, the balance should be XXXX for amount owed or due! Ive tried to work this out several times with disputes I even called the company numerous times in the past! I tried to reach them today because it says that I have one late payment on my report! I would like this to be removed as the debt has been settled
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.
Product: Money transfer, virtual currency, or money service

They close my account and they said the money that was given to me on the account they were going to mail me a check even though I wanted them to do the money transfer a direct deposit into another account and they said it be there in 10 days and its been over 30 Ive called him over and over again and theres always a problem
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please amend or rectify the following accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. XXXX is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

XXXX is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there Credit file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with equifax who with the proof I submitted they did their job and Delete or fix the incorrect information report on my EQUIFAX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job Equifax, XXXX, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.
Product: Credit card or prepaid card

Multiple attempts to have a fraudulent charge on my card removed. Barclays has been zero help. They do not care. At this point I already have a paper statement from them stating I am not responsible for the charge, dated XXXX and the charge is STILL on my card. This began back on XX/XX/XXXX, I've been trying to get this resolved.
Product: Debt collection

After reviewing my credit profile I noticed a collection from IQ Data Int.  They are collecting a debt for XXXX XXXX. per Account # XXXX I disputed this with XXXX  and XXXX  and I have not received a response from these two major bureaus. I sent a certified letter to IQ Data International per US Mail XXXX XXXX XXXX XXXX XXXX and it was returned as undeliverable. On XX/XX/2020, I contacted the company and spoke with XXXX. I explained to XXXX that they are reporting a debt I do not owe. I told her I don't no own a home or have never rented an apartment with XXXX XXXX. I asked her if she could provide me documentation of the debt which she refused. She told me to speak with XXXX the compliance manager. Over the next several days I can not get anyone to give me the information I requested. And I'm not sure if this XXXX guy exists. My research online shows thousands of complaints with this company over the same issues I'm having. I do not owe them over XXXX and this is affecting my credit scores. I never lived in the state of Georgia and I do not own a home. This is false and deceptive reporting. Please provide me with all the documentation you have with my signature proving I owe this debt. If no proof can be provide, delete this from my account.
Product: Credit reporting or other personal consumer reports

I have provided Experian with proof and documentation that fraudulent accounts are the results of a identify theft case that I submitted to Experian XX/XX/year> and accounts are still not removed from my credit profile and well over 30 days. I am going to sue this agency for damages as this, as well as the other lending companies reporting inaccurate information. I have flied FTC complaints, submitted police reports, and provided credit reports from both XXXX and XXXX. I will give XXXX hours to rectify this and remove fraudulent accounts or I will be forced to take legal action. Accounts to be resolved and removed DEPT OF EDUCATIONXXXX XXXX XXXX. 
DEPT OF EDUCATIONXXXX XXXX XXXX. 
DEPT OF EDUCATIONXXXX XXXX XXXX. 
DEPT OF EDUCATIONXXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit card

I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account.
Product: Credit card or prepaid card

I have a Chime account and debit card, there were two unauthorized charges from XXXX that I did not make because I do not have an XXXX account. I reached out to XXXX and was able to get the help I needed they reached back out to me telling me that the account in charge in question or fraudulent charges And that they advised me to contact my bank to dispute the charges, I screenshot that email and sent it to Chime as proof that the charge and the XXXX account were both fraudulent so that they could give me my money back or at least give me a credit until they finish investigating. They responded telling me that it would take them till XX/XX/22 to finish investigating they have denied my dispute XXXX times already even though it is clear that that charge was unauthorized! I have XXXX children I am XXXXXXXX XXXX XXXX  and I have no food to put in my house because my money was stolen and chime will not give it back {$330.00}
Product: Debt collection

Account number XXXX is the same as XXXX XXXX. This is a duplicate account and was paid in full to XXXX.
Product: Debt collection

I was advised of an Ohio tax Debt for XXXX. I left XXXX  years prior. I have been contacted by a bank stating this collection agency has reached out seeking information. I dont have a bank account. This debt doesnt belong to me.
Product: Debt collection

I paid this over a year ago and I have a receipt. They refuse to take it off my credit. It is not in collections
Product: Checking or savings account

I just got a response letter from the Wells Fargo bank for their rejected my claim and closed the case. All of the listed reasons can not be accepted. They should answer why the XXXX account can be set up by a hacker and transfer my savings account money to a brokerage account. The suspect additional phone number in the opened XXXX profile was listed in this profile. Why that is not important for Wells Fargo? Once a hacker accesses the Wells Fargo Bank system to set up a XXXX account under my name, what kind of security protection to notify the account owner? 

Supplied XXXX evidence from the Wells Fargo Bank, is different than my internet provider, XXXX XXXX XXXX XXXX. Also, the Bank showed evidence that XXXX addresses were different at different times. Both XXXX addresses are different than XXXX XXXX XXXX. It needs to clarify which XXXX attacked my account, and why either XXXX is different than my current provider 's XXXX.