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

How many times do I tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing? The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Well ut was a wells fargo account opened in my name due to fraud and i try to open an account but they want let me i tryed to fix the issue but getting no help
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I have a fraudulent account on my report. Please remove this accounts from my report, it is hurting my ability to obtain credit.
Product: Credit card

I received an offer from Wells Fargo for a card with XXXX  % APR on all purchases and transfers for XXXX  months in the Summer of XXXX. I was approved and they sent me and my wife cards in XXXX of XXXX. I began using this card XX/XX/XXXX with a debt limit of XXXX. I had the payments on the card set to auto pay and did not pay much attention to after that until XXXX of this year. I noticed that there were large interest and overage charges. I contacted Wells Fargo of this and they noted that my wife had opened an account in XXXX and that no offers were available since they do not apply after XXXX  years. I noted that the offer was for me and not my wife. I found that Wells Fargo fraudulently sent the cards under my wife 's old account and did not honor the offer that was sent to me. Our almost perfect credit scores have fallen from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have filed disputes in regards to XXXX and they are refusing to delete this account or close this account and rmove the late payments per FCRA.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these ac
counts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX
Product: Credit reporting

Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. XXXX and TRANSUNION also reported " included in BK '' but last report date is XX/XX/XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.
Product: Debt collection

I am a natural person who knows there rights. Not a third party. 

CCS is in violation of the FDCPA AND HAS WRONGFULLY DISCRIMINATED and violated my privacy right. They paid to provide me a debt validation and continue to collect on the alleged debt and I was not given the ability to dispute the debt. 
1. 15 usc 1692b, they stated I owe a debt to the CRAs 2. 15 usc 1692d, they are continuing harassing about a alleged debt they claim I owe.

3.15 usc 1692f, they are reporting the debt to my consumer report and discriminating against me 4.15 usc 1692j, they are furnishing false information about me stating I owe a alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I am challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I filed for arbitration. The judged granted motion for arbitration and to stay the case while we arbitrate.. 
Synchrony is harassing/intimidating me by sending an order for summary judgment and a list of witnesses against me. What am i supposed to do if I am electing arbitration. 

Also, I requested for them to pay for the expensive arbitration deposit fee but they are not following up with me
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disdputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requestion immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/2024 and XX/XX/2024 Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting or other personal consumer reports

I currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX
Product: Payday loan, title loan, or personal loan

My identity was stolen in XXXX and used to take out a loan with LendingPoint. Upon seeing the loan was taken out, I called them and they said they would open an investigation. After 30 days I received a missed payment letter, and upon calling they said the investigation was closed and I am liable. No one from LendingPoint Called me regarding the investigation. I sent over the police report and told them to look into it again. My account was given to another individual and I reforwarded him the police report as well as the FTC Identity Theft letter. I have emailed for follow ups on the investigation weekly and have received no response from LendingPoint in nearly a month. I have not been in contact with anyone in LendingPoints Quality Control department who is supposed to be investigating my account.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate account. I also attached an FTC in my past dispute, Which I am also attaching in this dispute, I am also attaching my notarized identity theft affidavit so your company can not say you havent received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I received a promotion from Discover titled 'earn 10 % Cashback Bonus with XXXX XXXX XXXX ' from now to XX/XX/XXXX. The term said use the XXXX XXXX XXXX between XX/XX/XXXX TO XX/XX/XXXX and received 10 % cash back bonus within 10 weeks of the promotion end date. I made the purchase on XX/XX/XXXX of amount {$85.00}, I should get {$8.00} in my cashback reward account. It's been more than 10 weeks and I still did not see any promised 10 % cashback on my account. I contacted them in XXXX and the do not have a straightforward resonse. They just say you will see that within 10 weeks but I can not see that now.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  Acct Number XXXX XXXX XXXX XXXX  ACCT Number : XXXX XXXX XXXX XXXX  ACCT NUMBER XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX US BANKRUPTY COURT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX HAS VIOLATED MY RIGHT. 



: 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. These accounts and inquiries were added as a result of a data breach, and I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$630.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX showed me a letter stating that I have no more obligation to them. I paid them through XXXX XXXX. Their information is an accurate on my credit report. Account ending in XXXX and XXXX. XXXX XXXX XXXX 2 accounts, stating that I have no further obligation to them legally unlawfully I have no further obligation to them at all
Product: Bank account or service

My son and I share a a savings account at Chase Bank. My son also has a checking at Chase. My son recently sold a car to a gentleman for {$1000.00} for which he wrote a check. The gentleman left the payee blank so my son filled in his name himself. Today my son found that his checking account and our joint savings account are frozen. No explanation was given, only that he had to get the gentleman who wrote the check to answer a call from Chase and verify that he wrote a check to my son. My son was told that if he could n't get this straightened out ( even though they will not even tell him what the problem is ), both accounts would be closed in 7 to 10 days and the funds taken. The money in the joint savings account is my money. My house payment is deducted from that account. I am beyond furious. What can be done about a bank that steals ones money?
Product: Mortgage

Months ago I inquired about Mortgage reprieve options, like adding a current payment to the end of your mortgage or refinancing, I was told they dont add a mortgage to the end of your loan but they have a forbearance program and asked me if they could explain it, I said sure, after hearing the info I said this is not what Im looking for, but you can send me information, I NEVER gave my consent to enter into forbearance & signed no paperwork for this!!!! I continued to pay my mortgage on time monthly!!!! Recently I go to purchase a home & they say my mortgage is in forbearance, I was furious as I never authorized this!!!! I asked my mortgage company to issue a Letter stating I was not or never had been in forbearance, the letter they issued said forbearance canceled this is UNACCEPTABLE because you cant cancel anything that wasnXXXX AUTHORIZED!!!!! I then asked for an addendum stating my mortgage was never in forbearance and this was a miss understanding on the behalf ofAmerican Pacific Mortgage! My deadline for this addendum is today XX/XX/22 and I was told repeatedly no one could help me until XX/XX/22, I was on the phone literally 8 hours trying to get the simple addendum I need to submit to my underwriting department, at the end of the horrible unproductive customer service, they left me on hold for 2 hours 28 minutes and 54 seconds! I then called back to only be told all managers are gone for the evening!!!! 
This is absolutely litigious & XXXX will purse that I asked for my recorded phone calls to be produced & they have not performed! 
I want a letter delivered to my email by XXXX am XX/XX/22 stating my loan was put in forbearance mistakenly by American Pacific Mortgage & a new letter reflecting that & stating my mortgage payments are in good standing!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX XXXX Equifax reported that Capital One Auto charged off the account and marked me with a missed payment. In reality this account was charged off over two years ago. This action has dropped my score over 50 pts which is hurting my lively hood .... 

I have filed a dispute with the credit agency due to inaccurate info on this account and they came back with this. This is a gestapo tactic...