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

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report despite numerous follow-up attempts to have them removed. 

Despite submitting disputes and providing supporting documentation on numerous occasions, these fraudulent accounts persist, and my previous follow-up attempts have not resulted in their removal. 

I demand that your agency conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. 

Failure to address this complaint satisfactorily and in a timely manner will leave me with no choice but to escalate this issue further, including seeking legal recourse to uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX , NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$0.00}. 
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Product: Mortgage

Wells Fargo will NOT allow us to end our forbearance. We have spent over 7 hours trying to reach them to resolve this. Attached all relevant docs Wells Fargo will NOT allow us to end our forbearance. We have spent over 7 hours trying to reach them to resolve this. We finally reached a representative on XX/XX/XXXX, who after an additional one call, received our payment of {$9000.00} and assured us our account was up date with no payment dues util XX/XX/XXXX. The bank statements shows this, yet we are still getting communications from Wells Fargo that they are extending our forbearance, against our will. We have found online news that this is happening to many others as well Attached all relevant docs We want and need to END our forbearance, assure us our {$9000.00} payment leaves us up to date, and is applied to principle, and that we will no longer be be placed back into forbearance without our knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Product: Debt collection

I attempted to contact the debt collection company since the debt had already been paid directly to the landlord. They continued to pursue debt collections against me. After getting proof from my bank that it had been paid I attempted to call them back. XXXX refused to send me a letter stating the debt had been paid and intentionally hung up on me.
Product: Debt or credit management

i am trying to buy a home after living with family since XXXX and leaving a XXXX XXXX situation with my XXXX  from my ex i moved in with my mother and started to rebuild my credit i have not had anything in my name since XXXX and i left my last living situation on good terms receiving my deposit back i recently bought a new car in XXXX of XXXX and when we went to apply to buy a house i all the sudden have a new debit from XXXX XXXXXXXX XXXX XXXX multifamily housing in the amount of {$8500.00} i have never seen this debt on my credit previous to this ive asked for proof that it was mine and not received anything i have also been talking with XXXX to figure out where this original open date for this debt was and we can't find anything i have looked up this company and its showing this a scam company with hundreds of law suits against them for doing this to other people as well we have put a fraud alert on my account and they said my next step is to notify you in getting this removed as i am trying to buy my kids an i a new home and this has to be removed in order to go forward with my loan
Product: Credit reporting

Experian is not showing any credit history or score for me. I have been denied a mortgage twice in the last 6 months because of the missing information. XXXX and XXXX both show an extensive credit history and scores. I have spoke with my lenders and they are reporting to all XXXX bureaus. I believe this is against my rights as a consumer. Please help me resolve this issue. Sincerely -- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of idenitity theft, there are accounts on my report and they are not mine
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Checking or savings account

I disputed {$2100.00} to a merchant did not receive a warranty merchant ripped me off charged warranty that was never requested or received contacted Wells Fargo WF opened many claims and made several errors I've added a cease and desist to my account and they would not honor my request on my account I refuse to have anyone in the XXXX working on my account Now I don't trust Wells Fargo Wells Fargo never advised me of these debits and have out of the country working on my account which means my account is being processed out of country
Product: Credit card

I always verify my account info as i dont trust this firm as had problems prior when I filed a complaint against XXXX XXXX 

I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me. 

Then i was put on hold to find out why I do not have an account anymore. 

Never got thru after hold time of over 30 minus, what is going on over there?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account # Stafford group associates has violated my rights. 

15 USC1681 section 602 states I have the rights to privacy.

15 USC1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I have no knowledge of this account. I did not engage in commerce with this company. I am a victim of fraud and identity theft. I demand this account to be removed from account immediately.
Product: Credit reporting

Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers.
Product: Debt collection

Hello I an entering this under noncompliance of the Section 809 of the Fair Debt Collection Practices Act. I have contacted PORTFOLIO RECOVERY ASSOCIATES and requested original singed & dated contracted. They have been unbale to provide since XXXX of 2020, their letter stat 's they have received original documentation from said original lender however when asked they never have it. They have also falsely reported this information to the credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

A citicards card was added to my XXXX credit report : registered with Citibank in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with Citibank. I've never even been to XXXX XXXX. This card had debt and was reducing my credit score. Naturally, I filed a complaint through experian. Citibank XXXX XXXX responded with a letter XX/XX/2023, stating " We are unable to update the credit report as requested. To remove authorized users from credit reporting, the authorized user must be removed from the account. '' I tried to contact Citibank, but of course could not speak to any one about this account since, as it is not my account, I don't have the account details. I reached out to the branch, but to no avail : They never picked up the phone or responded to my letter. XXXX got back to me with a report, Numbered XXXX & XXXX XX/XX/2023 stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX WI XXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Dear Gentlepeople, We purchased a " WORRY NO MORE 7 YEAR FURNITURE PROTECTION PLAN '' from Macy 's for the protection of a five piece-electronic leather reclining sectional, which included three ( 3 ) electrical reclining sectional chairs under XXXX XXXX XXXX. 

We submitted a claim which was finally approved on XX/XX/2021 for a {$2700.00} " allowance '' to be used towards the purchase of new furniture at Macy 's. 

In the meantime, while we waited over four ( 4 ) months for a response to our claim, we advised Macy 's that we had another problem with one of the sectionals, but because our initial claim was on pending status, we were not allowed to submit another repair claim, resulting in an endless, egregious and vicious cycle of non-responsiveness. 

We immediately responded on XX/XX/2021, clearly detailing the issues surrounding the sectionals and advised that out of the three ( 3 ) electric, reclining sectionals, only one ( 1 ) of them actually reclined at this point. 

As stated in their warranty, we are entitled to either, ( a ) the current retail cost of a replacement product of like kind and quality, or ( b ) the retail purchase price WE paid for the original covered product. 

As there are multiples pieces involved which are no longer working and Macy 's was unable to repair the items, as they are no longer available, and of three electrical reclining sectionals, ONLY ONE of them works, we asked for the retail cost to replace our couch, which is over {$6000.00} or {$7000.00}, not inclusive of taxes, S & H and the cost of a new Worry No More plan. 

We advised that if Macy 's was unable to reimburse the retail cost of a replacement sectional of LIKE, KIND AND QUALITY ( LKQ ) as ours, then as per the plan, which states, " Macy 's will offer, ( b ) the retail purchase price paid for the original covered product, '' and we paid {$4300.00}. 

In response to our XX/XX/2021 email, we received an acknowledgement email from Macy 's on XX/XX/2021, and subsequently we received one ( 1 ), repeat, one ( 1 ) voicemail from a " manager '' whom we called back two or three times, and who never ever again followed up with us. 

We followed up again on XX/XX/2021, again allowing Macy 's three ( 3 ) months to respond, and to date, there has been no acknowledgment, let alone further action by Macy 's. 

We come to you in a desperate attempt to help us as consumers, deal with these abusive, unresponsive and disrespectful multi-billion dollar companies which continue to ignore and dismiss their customers, hoping we go away and disappear and they enrich themselves by collecting money for a warranty plan they have no intention of paying on. Thereby enriching themselves twice in the process. 

Please, we ask for a fair, objective and reasonable settlement based on the high cost of this high value item which we purchased, and which was repeatedly problematic, which is why we purchased the " WORRY NO MORE 7 YEAR FURNITURE PROTECTION PLAN '' which, contrary to its name, is misleading and false advertising and in fact, has caused us MUCH WORRY. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX, 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 card or prepaid card

XX/XX/XXXX 8 Fraudulent Orders were placed on XXXX using my credit card. Each in the amount of {$74.00} XX/XX/XXXX the 8 charges were posted to my Citi credit card As soon as I noticed the charges on XX/XX/XXXX, I called Citi to file disputes against those 8 charges. The agent I spoke with filed them under " fraud disputes '', which was later denied by Citi given the fact that I had ordered from this merchant before in the past. 

On XX/XX/XXXX, I had to speak with a different Citi agent to re-file those disputes under " purchase disputes ''. 

On XXXX, the merchant responded to Citi claiming that the charges are valid simply because they have a transaction and that their " tracking '' states shipment was completed. In regards to this : if you check the tracking number associated with the fraud orders, none of them were delivered to my address. My address is in NJ and the XXXX tracking says delivered to XXXX All 8  of the orders in XXXX order summaries actually have the same XXXX XXXX tracking number. XXXX even changed the status of the 8 fraud orders to " frozen '' which means that they knew these orders should not have been placed, but did not reverse the charges just because the tracking had started. They are using the excuse of " shipment '' to claim money. ( documents attached ) I have also attached 2 of merchant communications to me stating that I should resolve this with my bank. I have spoken to the merchant multiple times via their messaging system, but I do not have records of that. Each agent I spoke with understood what was happening but did not have a path to escalate my issue for resolution, and advised I email them. I did, and both times they asked that I refer to my bank. 

I have also appended additional screenshots to this email to show that the XXXX charges were fraudulent. The seller and product that was purchased has been made unavailable. I also checked the product that was purchased and saw in the reviews section that others had experienced the exact same issue - someone using their card and placing multiple orders for themselves. 

As of today, XXXX, 5 of my 8 disputes have been denied and Citi is claiming " customer responsible '' which is completely unfair. It is clear that I did not authorize these charges on my credit card, and that my information was stolen. This means that 5 of the 8 disputes have had their conditional credits reversed, so the values are back on my account to be paid.
Product: Student loan

I paid my student loans off entirely in XX/XX/XXXXXXXX  through XXXX XXXX As part of Biden 's Student Loan Forgiveness Plan, I was reimbursed {$12000.00} from the Department of Education Biden 's initiative was rolled back and Aidvantage began to ask for {$12000.00}, stating interest would start to accrue on XX/XX/XXXXXXXX  I paid Aidvantage {$12000.00} on XX/XX/XXXXXXXX  and received a payment confirmation. At this point, my student loan balance was set to {$0.00} Unbeknownst to me, the payment was reversed and now Aidvantage is now stating that I owe the {$12000.00} balance with an additional {$140.00} in interest for a total of {$12000.00}. Due to the payment reversal, Aidvantage also is marking that I have two missed payments. 

Customer Service did not provide me with a reason for the payment reversal but they did state that they could file a formal complaint on my behalf
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SS # : XXXX XX/XX/XXXX Re : Hard Inquiries To Whom It May Concern, I would like to dispute the following hard inquires on my credit report. Under the Fair Credit Reporting Act ( FRCA ), Section 611 ( 15. U.S.C 1681i ), unverified inquires must be removed. Please investigate and remove any unverifiable inquiries within XXXX days. 

Factual Data XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

I had already a report and complaint about Bank of America and I wanted to add new documents that might be more clear to understand this process. My Bank of America checking account has been hacked and fraud a couple months ago and I have a fraud claim case with this bank. I wanted to recompense my money which I lost cause we all entrust our money to the bank to be protect that they sent this money as temporary credit and they were said we will investigate that we will let you know. After few months I received a mail from bank we are unable to approve your recent claim!!! And they said this credit will be removed on your account on XX/XX/XXXX. They did it they removed this money on my account and I will go to Bank of America and I requested an appeal process and reopened the case after that they will sent this money on my account again end of this process they will be removed this again I knowbecause they did not approved that when everything Cristal clear. I dont trust them because they almost accused me and they have all data and information what happened the day they had to protect but they could not.. then you have to compensate that is not the way to victimize your client any IT guy in their bank can sort out this claim in XXXX century but they did not approve that what happened to me Im gon na share this mail which I received from the bank
Product: Debt collection

XXXX XXXX has not send accurate verifiable documentation that I owe any debt BEARING MY SIGNATURE. I sent a letter on XX/XX/2021 asking to validate and this company has not done so properly.
Product: Mortgage

I purchased a new home in XXXX 2020..I applied for a tax reduction from the XXXX XXXX by using prop XX/XX/XXXX which you can transfer your old tax base from your old house to your new house..I was granted the tax reduction in XX/XX/XXXX. But I needed to wait for my supplemental tax bill. Once I received it in XX/XX/XXXX s was notified that the loan was being transferred to PNC Bank starting in XXXX 2021.so I started the process in XX/XX/XXXX, XXXXI was told to fax over the yearly property tax bill and the supplemental tax bill which verified my new tax obligations.I keep being given the run around..by saying it being reviewed, so I received I sent the ed supplemental bill to Pnc Bank because I knew was overpayments in my escrow account.thry paid the bill then increased my mortage, then they changed it back and send me around {$1500.00} after paying my {$440.00} supplemental taxes..But the won't reduced my payment. So I complain to the Corporate office at PNC Bank.I received a call from XXXX XXXX on XX/XX/XXXX He seemed XXXX sent XXXX all of the documents again on XXXX XXXX.He said he would get right on it.Now He ask me for something I already sent him..so I sent it again..Now I cant get XXXX on the phone not will PNC bank help me because XXXX is in charge..i need help..I 'm paying {$700.00} in property taxes monthly my new estimated tax are around $ XXXX.please help.. 
XXXX XXXX
Product: Credit card

I am just trying to figure out some things with my American Express account. When it was opened in XXXX, I loved it. It was perfect, I upgraded my account to one with an annual fee for extra awards. Until around XX/XX/XXXX when I rerouted my bank accounts due to fraud and forgot to update them, I had multiple returned payments on amex ; as well as other card companies. So unfortunately they did close my account due to those in or around XXXX XXXX Come to XXXX XXXX XXXX I was trying to pay my bill and I no longer had access to my online account. It says Error or something so I try my app and it says contact the number on the back of my card. I do not have my card. I cut it up because they closed my account. They revoked online access for me to pay my bills. So I called and they don't have the last 4 of my SSN in their database anymore and I don't have my card number. So I had no idea on what to do. I waited until the next month to try and call again unknowingly forgetting to make a payment because of what American Express had done. They put a 30 day late on my credit report and I call the number on the report and that is the only way I was able to get on the phone with someone without my card number. I had to use what XXXX provided. So I fully pay off the account, notice how I say fully. Then they say they can reroute my account back to normal payment standing, and they would transfer me over to someone in customer service who can do that. I get transferred to the automated bot who needs my account number. I do not have my account number/ credit card number because American Express closed my account!!! So I am back at square one and I forget about it and take the 30 day hit. Come XXXX I get a bill for XXXX XXXX and some change. What? I paid off the bill. You don't charge interest if the bill is fully paid off. I have no way to get in contact with anyone. I am not good with technology but I looked on American Express website about what to do with late payments and they said submit a CFPB complaint. So in Goodwill, please
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of my drivers license and bill with my dispute letters. They were received on XX/XX/2022 at both XXXX and Transunion. No action was taken. I am sending a copy of the dispute letters and the USPS tracking confirmations, that the letters was received.