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

I have received my XXXX XXXX  which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any XXXX reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXXXXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX. XXXX XXXX XXXX. Acct. XXXX XXXX. XXXX  XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX  XXXX XXXX. Acct. XXXX /XXXX  XXXX XXXX XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms. 
Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I agreed to settle a debt to XXXX XXXX via their counsel, Levy Law Llc. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ XXXX. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad heat resulting in a change in personality that they are trying to exploit an imbecile. 

Also, XXXX XXXX wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.
Product: Credit card or prepaid card

I APPLIED WELLS FARGO XXXX XXXX XXXX ON XXXX. I GOT MY CREDIT CARD ON XXXX. I CALLED CUSTOMER SERVICE ON XXXX REGARDING THIS CREDIT CARD & I SPOKE TO XXXX XXXX ABOUT PROMOTION ON THIS ACCOUNT. THERE WAS A BONUS OF XXXX POINTS AFTER SPENDING {$1000.00} IN FIRST 3 MONTHS, WHEN I APPLY THIS CREDIT CARD. THERE IS NO BONUS ON MY NEW ACCOUNT ACCORDING TO CUSTOMER SERVICE DEPT. & REWARD DEPT. XXXX XXXX. I THINK THIS A FRAUD THAT I DO NOT HAVE ANY BONUS ON THIS CREDIT CARD. I DO NOT TRUST THIS BANK. THIS BANK HAD A BAD CUSTOMER SERVICE & THEY LOST A CASE IN FED. COURT IN PAST FOR {$20.00} BILLION DOLLARS.
Product: Credit reporting or other personal consumer reports

Equifax refuse to update information to its third parties. The third parties has all the wrong information and can not update until equifax updates them. its been over a year and these vendors and equifax are blamming each other while i get denied credit, housing
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, XXXX or Transunion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$30000.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of, XX/XX/year>. 
According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which allows consumers to seek legal recourse for willful non- compliance, and XXXX  XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital One several times on the phone and by sending a total of 4 letters throughout the past few years about the late payments on my credit report and filed several disputes through XXXX. They said no to fixing it each time. I had just recently learned that they could not report late payments until it was 30 days past due not immediately past the due date and none of the 2 late payments were past 30 days. I thought each time I called and mailed they were looking at my account to verify but I dont think they ever didI provided statements to XXXX and capital one still did not fix it and rejected proof. They have hurt my financially and my living options due to an error on their end that after contacting them so many times is not an accident. I provided my statements as proof, I called and no-one at any point said they werent actually looking at my record. I have two false late payments destroying my credit and pleading ( I actually have pleaded ) with Capital One has got me nothing. Even XXXX support agents say yeah the statements you provided do show you never made a late payment but its all up to capital one to decide if we take it off!!!!!!
Product: Mortgage

Our loan was transferred from XXXX XXXX to Flagstar Bank in XX/XX/2018. I called the bank to see where we needed to send our payments. The representative I spoke with told me that we had a 60 day grace period during which we didnt have to make our payments because there would be no late fee or penalties. I asked multiple times if XXXX and XXXX payments would be due when it came XXXX and he assured me they wouldnt. He also assured me that we wouldnt be penalized for those payments later on, none of that information was correct. We are now two payments behind and have been trying to play check up ever since. This all couldve been avoided if we had been given correct information to begin with. Weve had our mortgage for three years with no issues at all but weve literally had problems nonstop since the day our loan was transferred. Im beyond fed up. We are now charged a fee monthly on our bank accounts at XXXX since our mortgage isnt with them anymore which isnt fair at all because we had no say in this transfer. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. Well we definitely feel like collateral damage to say the least.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$37000.00} DAte open : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$670.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} DATE OPEN : XXXX XXXX XXXX
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 XXXXXXXX XXXX XXXX XXXX  Account number XXXX, Account name : XXXX XXXXXXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Prepaid card

i had a amex gift card for XXXX XXXX i got it down to XXXX XXXX and went to XXXX to use it/ ihad 3 other amex cards with XXXX XXXX XXXX XXXXXXXX on them i ran those thru with no problem then treid to finish paying the balance of my purchase with my XXXX XXXX  card and it was rejected/ i tried it at afew other places and it was rejected/i called amex and they said card was active and had a XXXX XXXX XXXX and said taht fraud protection was stopping the use of it and there was nothing they could do/ they said wait a week and try using it i did that and card was still being rejected/ i then reportef it lost feeling that was my only recourse/ so they put a hold on card and gave me email to contact and send my lisense and photo of reciept for card which i did on XX/XX/2024 that said it would take 30 days to give me a new card its now XX/XX/XXXX and have not heard anytrhing case XXXX XXXX email XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Subject : Request to Remove Fraud Alert from My Credit Report Dear Sir/Madam , I am writing to formally request the removal of the fraud alert from my credit report. I believe this alert was placed on my file in error, or it is no longer necessary. 

My personal details are as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please confirm in writing once the fraud alert has been removed, or let me know if additional documentation is required. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this request. 

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

This is my 11th endeavor to 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.
Product: Credit card

This is a fraudulent account that Ive disputed with Citibank. Ive provided document in support of this. This account needs to be deleted.
Product: Credit reporting or other personal consumer reports

I recently reviewed my TransUnion credit report and discovered several unauthorized hard inquiries that I did not approve. The following companies conducted inquiries without my consent : SYNCB/LOWES Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Dates : XX/XX/XXXX & XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a company must have permissible purpose and my explicit authorization before conducting a hard inquiry on my credit report. I have not applied for credit with these companies, nor did I authorize these inquiries. 

I have attempted to dispute these inquiries with TransUnion and/or the respective creditors but have not received a satisfactory resolution. The FCRA requires that unauthorized inquiries be removed from my report to prevent further harm to my credit. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require the removal of these unauthorized inquiries. Additionally, I request documentation proving that I authorized these inquiries. If the companies can not provide verifiable proof, these inquiries should be removed immediately. 

Failure to correct this issue may result in further action, including legal recourse.
Product: Checking or savings account

On XX/XX/XXXX I was called by a number that came back to Wells Fargo that I had had an unauthorized use of my account ( debit ) at an ATM. The person knew my phone number, bank account number and debit PIN. She told me that she would put a stop on my account and XXXX  me a new card. She sent me a code like they always do to verify my identity on my phone. I hung up the phone thinking that things were taken care of. On XX/XX/XXXX, another fraudulent charge was placed on my debit card. I called back the number which went to a Wells Fargo sounding answering machine and was transferred to what I thought was a representative. The person was a male and stated that he apologized, that they had sent a XXXX with my new card and that he had closed my old card and that the XXXX had been sent back because I wasnt home to sign for it. He sent me a one time ATM code while I was on the call to verify my identity. Not suspecting anything, I read him back the code and he reassured me that things were taken care of. Once again, on XX/XX/XXXX ANOTHER charge went through on my card. I this time XXXX the number for Wells Fargo ( which was VERY close to the number I had been previously called from ) and called. The Wells Fargo representative had no clue what I was talking about and said that no fraud had been previously reported. Thats when I realized that the previous number that I had been called from and the people that I had spoken to was all a scam. They had stolen {$6000.00} dollars from me! 

I am a front line XXXX worker working night shifts and during the day doing home school with my two elementary school children to protect both them AND the community from COVID, as I have very heavy COVID exposure at work. I called Wells Fargo who filed a claim, asked me three yes/no answers which I answered honestly and then denied my claim saying that there was only authorized use of my debit card. I explained to them that at no point had I authorized ANYONE to use my card but they still denied my claim, stating maybe the court system can help you. I have filed police reports and called and called Wells Fargo to help me, but they are cold, heartless and lack any empathy for their customers who are the victims of fraud. Because these people have stolen my money and Wells Fargo wont even consider the case AFTER fraud and unauthorized use of my card is proven. I think that this represents a lack of accountability on behalf of Wells Fargos part and poor customer service bordering on fraud on behalf of that Institution. 

I have had trouble paying my bills after this has occurred, a situation that Wells Fargo has benefitted from financially. I think that this case represents a lapse in the fiduciary relationship held between the bank and the customer and puts the customer at increased financial risk that the banking institution will not absorb.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to add my Citi card to a mobile wallet ( XXXX XXXX ) and the app said I had to call Citi to finish verification. I called the number given and provided my phone number, card number, name, and security word. The Citi representative said he could not verify my identity unless I had another account with Citi ( checking, savings, credit card ). I said that I did not. He then asked if he could have the phone number of someone else in my family, which I didnt understand since there is only one phone number associated with my account. When I tried to use my card today it was declined. I called Citi to try to get my card unfrozen and this time the representative said they would mail me a letter with a 4 digit code and once I had the code in 7-10 days they would unfreeze my account. They again said my identity could not be verified because I do not have any additional accounts with Citi.
Product: Vehicle loan or lease

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.