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

On  XXXX   XXXX ,  2017 , received by all  XXXX  credit reporting companies by  XXXX   XXXX ,  2017 , by land mail ; I wrote a very extensive dispute request to all  XXXX  credit reporting agencies (  XXXX   XXXX ,   XXXX   and Experia n )  and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the   XXXX   system  ).   After speaking with a representative from all  XXXX  credit reporting agencies, they all confirmed that the creditors used the  XXXX  system to expedite my dispute with creditors and none of the m ( credi t reporting agencies,  XXXX   XXXX ,  XXXX  or Experia n ) req uired the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as shor t as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being rep orted correctly. I had a repossession that I settled,  XXXX  collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but th e State of Georgia has it on my credit report as a negative account. They show I applied but was not gran ted and all  XXXX  bureaus are reporting this as a negative account, hurting my credit and chances at a better life.  <P/> CFPB you got ta help me get this mess off my credit report. I am a 21 year,  XXXX  time combat veteran who could not work for years due to my  XXXX   XXXX   XXXX  diagnosed condition. This is what I get for serving my country?  <P/> This clearly violates the CFPB requirement.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Hello, I have had a credit card with Discover for about 5 years. In the past XXXX I have realized that they are violating me in many ways ie : 15 USC 1692j ( a ), 1692b ( s ), 1692d ( 2 ) are just a few of the violations. I have also realized that I, the Consumer/Living woman living in the private should not pay for any Goods or Services for household use. All Debts are paid in advance for consumers Title 18 U.S.C. - 8. I tried to pay with the coupon and then a 1099A, they refuse to honor any of my instruments. On XX/XX/22 I sent XXXX XXXX XXXX. CEO/PRESIDENT of Discover Bank an Up-date My Records for my private status and a Validation of Debt letter because I do know that they are not the Holder in Due Course and are not the beneficial owner of that account. The account would not exist without me. I also cc 'd the below applicable parties : Their Registered Agent - CT XXXX XXXX XXXX Chairman - XXXX XXXX I am a Consumer/Living Woman living in the private and I demand to be treated as that.
Product: Mortgage

I am tired of the excuses from Seterus. My loan was modified for over 4 months and they refused to send me my current mortgage statement for my own records. I have faxed a letter to Seterus and it has been over two months. Seterus has not reply to my letter. I am frustrated because I want to received my mortgage statement trough mail. However they keep telling me they will provide me with a copy in the mail and still no answer. I do not have any active Attorneys therefore there is not reason why I should n't received my mortgage statement in the mail. I did not wanted to involve the CFBP. However I was forced for all the excuses I been given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score and my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute to Experian about account XXXX  XXXX XXXX XXXX, Tracking Number XXXX. In my dispute I noted that Experian was in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; Also Experian was in violation of 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report This account has come back verified but is violation my consumer rights 15 u.s.c. 1681 ( b ) ( a ) ( 2 ), Conditions for furnishing and using consumer reports for employment purposes, the person who obtains such report from the agency certifies to the agency thatDisclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless 15 USC 1681 ( a ) -Definitions ; rules of construction- ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for and 15 USC 1681 ( S ) ( 2 ) -Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

Experian didn't send me any information on how they verified that this account was not violating my consumer rights.
Product: Debt collection

I have tried contacting the collection agency to get deeper information as I am allowed bi law all they send is two sheets of paper one with my name and one saying I owe this money.. I told them I was in XXXX  and since I was not notified aware I owed any one and if they can just provide me with more proof then just to sheets of paper .. they are way past both statue of limitation and they are illegally billing me for a debt thats not mine please be kind enough to further investigate this my next step is to file a lawsuit its causing me a lot of issues with obtaining a car.. as far as the proof they have not showed me a contract a purchase nothing that I can take as my debt
Product: Vehicle loan or lease

I purchased a new vehicle in XX/XX/XXXX and was under the impression that I was trading in this car. Instead it was repossessed. Once I found out the car was repossessed the amount that is showing on my report is increased. They are stating the amount of the loan is more that it was originally. Therefore the car was sold in which I was never made aware of the amount that is was sold but the amount that is still showing on my credit report is wrong and derogatory and the balance is still updating every month although it is a charge off and balance showing incorrect. I do not know why the car was never traded in because that is why I was able to purchase another vehicle in which I have no problem with so this situation is reporting falsely on my report and has been.
Product: Debt collection

received fraud collection call voicemail stating the below from phone # XXXX didn't identify who they are, what the debt is or who they were calling for. 


" we are following legal paperwork with your county in your state within the next 24 to 48 hours due to an unresolved charge of that if you want to prevent any legal filings we are offering an economic hardship settlement in the amount of {$280.00} to pay off your account and prevent any legal action from taking place for more detailed information on how to take advantage of the settlement opportunity you can contact our office directly at are code XXXX. 

this person didn't identify who they are, who the company is, what the debit is, or who they were even calling for. as a govt agency it is literally your job to handle the complaints put forth to your office but as past notices have gone unworked by your office I have very little expectation that anything will be done about this complaint! would be nice to see that the money stolen from our pay actually goes to people working will see if you guys can actually do your XXXX jobs!
Product: Credit reporting, credit repair services, or other personal consumer reports

VW financial sent me the monthly statement that had the return address printed with smashed ink which caused the US Post Office not to identify the address and return the payment mail to me as address undeliverable. I have sent the original copy of the returned mail to the VW Financial Services and they had lost the mail again. After which I have sent the VW Financial Services the copy of the returned mail that had clearly shown that the return address had smashed ink on it. They responded that after the review of the documents I had sent they found that the information was accurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Prolonged Investigation and Inaccurate Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my credit report by the credit bureaus. It has been over 30 days since I initiated an investigation into multiple accounts that are not mine, and I have yet to receive any notification of the investigations results or an extension of the investigation period. According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete their investigation within 30 days and notify me of the results within five business days thereafter1. 

Despite this requirement, I have not received any communication regarding the status of my dispute. This lack of response leads me to believe that my information is being neglected and improperly used. I am deeply concerned about the potential misuse of my personal information and the impact it may have on my creditworthiness. 

Additionally, I have identified multiple accounts on my credit report that are tied to incorrect Arizona addresses. I live in XXXX. I am confused. These inaccuracies are not only misleading but also detrimental to my credit profile. I request that the credit bureaus comply with XXXX XXXX standards to ensure that my personal information is not being improperly used and that all inaccurate accounts are promptly deleted from my report. 

I urge the CFPB to intervene and ensure that the credit bureaus adhere to the FCRA guidelines and take immediate action to rectify these issues. Your assistance in this matter is greatly appreciated. 

Thank you for your attention to this urgent matter. 

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

Subject : Formal Dispute of Claim Denial Case # XXXX I am submitting this complaint regarding **Bank of Americas** denial of my fraud claim related to my account ending in XXXX. The claim, was denied without adequate justification or proper resolution. 
Details of the Issue : 1. **Claim Number : ** XXXX XXXX. **Amount Disputed : ** {$460.00} 3. **Reason for Denial : ** Bank of America claims the charge is consistent with previous charges with this merchant. However, this charge was unauthorized and fraudulent. Additional Evidence : I have filed a police report regarding this fraudulent charges and am attaching a copy of the report with this complaint. This further demonstrates the seriousness of this matter and supports my assertion that the charge was unauthorized. 
My Concerns : Insufficient Investigation : Bank of Americas reliance on historical transaction patterns is not a valid justification for denying a fraud claim. The circumstances of these specific charges must be reviewed independently. 
Lack of Transparency : I have requested documentation supporting their decision, but none has been provided. I believe this is a violation of my rights as a consumer under the Fair Credit Billing Act ( FCBA ). 
Impact on Credit : Bank of America has added a comment to my credit file that I disagree with Bank of America decision, but this is not an adequate resolution. The disputed charge must be removed entirely. 
Desired Resolution : 1. Re-open and re-investigate my fraud claim.

2. Provide all documentation and evidence reviewed during the original investigation.

3. Permanently remove the disputed charge and ensure it does not negatively impact my credit report.

4. If the bank can not prove the validity of the charged, they must delete these charges from my records immediately. 
I trust that with the additional evidence provided, including the attached police report, this matter will be resolved fairly and expeditiously. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Failed to list itemized debts in writing. on XX/XX/2018, called the company and didn't get an answer. I would like this removed from my credit report. The company is getting paid as agreed
Product: Money transfer, virtual currency, or money service

I first received an email about a job offer that was a remote data entry job. They ended up impersonating a company ( XXXX XXXX ) as they also sent me a check to deposit into my account. The scammer went by the name of XXXX XXXX. After I deposited the check, the amount balance was shown on my account. However, the check was bounced back 5 days later. The check ended up being a fake check and when I was transferring money from that check, it ended up bouncing back to me which meant that it deducted from my own bank account instead. It ended up costing me {$4400.00} as I first transferred out {$2500.00} followed by {$1900.00}. The check was fake as the check information was invalid. The money they asked me to transfer to was under the name : XXXX XXXX XXXX XXXX and the Account # XXXX and its Routing # XXXX as they also used XXXX XXXX XXXXXXXX located on XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I've already contacted Citibank to stop and reverse the funds back into my account on XX/XX/2023 but they denied my request on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX  you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING [ XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX Account # XXXX ], If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681e ( b ) - Accuracy of report 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey back on XX/XX/2020 I had applied for different Barclays cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my XXXX  score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said XXXX  I need to contact. XXXX  said everything is good and I need to tell barclays that but going around in circles.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.