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

Hi my name is XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

Bank of America decided to close my account but keeps changing the closing day from XX/XX/2019 all the way to the date of this letter. I have bills to pay and ca not get my balance so I can get back to my normal life. When called they said that was the way they worked and I had to wait. I do not mind waiting but there has to be a date by which I should get my funds. They lie to me every time I speak to them by changing the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report. I noticed that these credit agencies were falsely reporting on my credit profile. 
I tried contacting XXXX, XXXX & TransUnion consumer solutions. But didnt receive an answer. I sent out letters on XX/XX/XXXX & still havent received anything back. On my credit report, I see that my XXXX XXXX has a past due 30 days late on XX/XX/XXXX. I have never paid my account late and I asked them to update the account to paid as agreed. According to 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Anything thats Not being reported correctly must be adjusted to the correct status. Please help me with this convenience.
Product: Debt collection

Allied Business Services continues to call and text me regarding debt that is not mine for a client I have never associated with. I have tried to resolve this with them but they continue to contact me and attempt to collect imaginary debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to place a security freeze with TransUnion and they refuse to process it, either online or over the phone. XXXX and XXXX did it with no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX & XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way of the Fair Debt Collection Practice Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item was, were the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the original creditor. 

The Contract Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original debt.

The obligation between you and I that allows you to collect on the alleged debt and transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

Proof of photo identification ( i.e. drivers license state identification card or any other government document issued document ) that was presented to you at the time of incurring this debt.

Letter of sale of assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt. 

Proof that this debt has not been charged off Any other intimate knowledge of the creation of this debt by you, the collection agency While I prefer not to litigate. I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to a successful resolution of this matter, removal of this debt off my file.

Charge Off Letter A charge off account stop being a debt when once it comes a charge off account Tax Law says that when a debt becomes a charge off debt, the status changes from a debt to income According to the FCRA income can not be reported on your credit file.

This account must be removed asap from my credit report Please note that you have 30 days to complete the investigation as per the FCRA section 611. 


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

Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXXXXXX XXXX account number ( XXXX ) and XXXXXXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report
Product: Mortgage

In   XXXX   XXXX   due to non-paying tenants,  XXXX   XXXX  was unable to keep up with the mortgage payments. Mr.  XXXX  reached out to  Chase  and they offered him an in-house modification which he did not receive in time to accept and the modification was rescinded. Mr.  XXXX  re-applied for a modification but was denied. He then hired a law firm to assist him to obtain a modification and for foreclosure defense.  Chase  dragged the review for a modification for over a year and on   XXXX   XXXX   XXXX   an updated complete package was re-faxed for review as all the previously submitted documents had expired. On   XXXX   XXXX   XXXX   another complete modification package was submitted to Chase because all the documents had again expired without a decision. Between  XXXX  to   XXXX   XXXX  , additional documents requested by Chase were forwarded, mainly bank statements and Profit and Loss Statements as  Chase  was not reviewing the documents in time to submit to their underwriter. After requesting all possible documents in regard to the other homes Mr.  XXXX  owns, a decision was given on   XXXX   XXXX   XXXX   because they mistakenly understood that the property was not generating income. An appeal was submitted on   XXXX   XXXX   XXXX   wherein a supervisor listened to the phone conversation and realized that Chase misunderstood. A denial for a modification was sent on   XXXX   XXXX   XXXX   due to the fact that Mr.  XXXX  was generating {$800.00} income from the property. When asked about the cost of insurance, heat and water, Chase informed the law office that those expenses are considered only if a modification is approved which sets the borrowers for failure. When the law office spoke to  XXXX   XXXX , an Executive Office  Specialist  at Chase, they were never informed that a foreclosure sale date had been set for    XXXX   XXXX   XXXX   .   Chase took two years for the first denial and then another two years for the second denial. Multiple times the law office had to request the assistance of an  Executive Office Specialis  t t o move the review forward as the documents they were requesting went above and beyond the norm.
Product: Credit card or prepaid card

On XX/XX/2020 I placed an order on XXXX  using the XXXX MasterCard ( synchrony bank ) and never got the order, the purchase amount was {$1700.00}. I filed a dispute and ended up getting my money back. I then placed another order from the same person on XXXX for the same amount on XX/XX/2020 thinking maybe the first one was just a fluke. But this item didnt come in either well after the expected delivery date so I filed another dispute. This dispute has been on going since then and has had no action taken against it by XXXX MasterCard, I have called maybe 50 times from the time of the dispute until now and still have not gotten an answer. Every time I call Im told its going to need to be re-evaluated and they carry the dispute out again for 90 days. Finally about a week ago I got an affidavit form, this is the first form I was ever told to fill out after almost 11 months of waiting. I filled the form out and sent it over and got a response today, the response was in 30-60 days we will review the document submitted in order to give you an answer. The problem is, that no one has taken any action, every manager Ive spoken to has taken the situation lightly and payed it no mind and just kept telling me to wait and now Im sick of waiting Ive given them a whole year and still havent gotten any response. If I give them 60 more days the dispute will be going on for 1 year and roughly 2 months. I have never in my life have ever had a dispute experience like this, and neither has anyone I even know. This is why Im choosing this route to escalate the issue.
Product: Debt collection

Credence resource management has committed identity theft. XXXX XXXXXXXX XXXX XXXXXXXX are in violation of the FDCPA. I have disputed and do not agree with this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Navient flagged my credit report with all three bureaus for being 90 days past due. I contacted Navient on the same day and they referred me back to the credit bureaus who were reporting to handle the issue. On XX/XX/2018 I disputed all Navient account because there was NEVER a late payment. My loans are actually in forbearance and have been back dated for months. Two days later I got an alert from the credit bureau 's saying that the information was accurate and nothing has been changed. My credit score has dropped more than 120 points and now I can not apply for an apartment because of this FALSE reporting. I need this to be fixed immediately and I don't know where to turn. Please help me to get this issue resolved?
Product: Checking or savings account

I recently had a deposit into my account with Bank of America for XXXX I went to the bank to access the phones and they tell me that the only close my account no I don't have a problem with them closing account where you probably have you they would not allow me to access my available phones so make calls my family too I have to move you want me to take me to court looking for an eviction you XXXX not be able to pay for my XXXX school for almost too much now I really need my money they can do whatever they want to with account I just need my money I would never ever again
Product: Credit card

I am facing continued trolling and harassment from TranscardXXXX  as of today XX/XX/XXXX which has been a process that stye have put me through for years. The card, card number, and card info they have sent me, today, is unable to be used to purchase a Gift Card on XXXX, to pay for an order on XXXX, and can not even be added to XXXX XXXX or linked to XXXX. Therefore, TranscardXXXX must stop wasting my time and send to me a check in the amount of {$8.00} ( and if they do, they can cancel this card ) instead of prolonging what is years of trolling and harassment. The card they have sent to me has {$8.00} on it, as per their online platform paynuver, and the last XXXX of the card is XXXX. Is expires on some future month and year that is after the period XX/XX/XXXX -- can not share more in this semi-public complaint.
Product: Credit reporting

There is XXXX social security numbers listed in my report. It will not let me dispute that it is not mine. It is my XXXX year old sons social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime during XXXX-XXXX 2017, Equifax allowed a security breach that involved my SSN, address, DOB, phone number, and possibly other private information. I was only made aware of this breach several months later and was not actively sought out to inform of my information being compromised. 

According to credit reports, I have not been negatively impacted by the breach yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Wells Fargo recently settled a lawsuit brought against them by you all for over 2 billion dollars, My mortgage from 2011 Account number XXXX for a property at XXXX XXXX  XXXX XXXX XXXX, GA XXXX. Which qualifies for the mortgage damage payment. 

I also currently have bank accounts with Wells Fargo. Last month all of my money just disappeared out of my accounts and when I tried to log in via the mobile app there was a bunch of letters and numbers. Like my account had been hacked. My actual banking information did not show up. So they actually owe me money for overdraft fees and my account being hacked. 

Wells Fargo owe me at least {$60000.00} from this damage fund.
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 EQUIFAX LEGAL DEPARTMENT ET AL RE : FORMAL NOTICE OF DEMAND FOR ARBITRATION IT has now come to my attention that despite my due diligence and amicable concern to positively find resolution into the matters on the fraudulent inaccurate reporting of companies XXXX XXXX and parent company XXXX XXXX via the illegally and breach of the binding arbitration agreement; the placement of deferment for payment code XXXX to consumer agreement upon closing and charging off the account at XXXX in retaliatory tactics to injury and detract further credit extensions on my part from other lenders and merchants. This is unethical, illegally, and egregiously injurious and discouraging to me as merchant that EQUIFAX would allow this gross misconduct thus potentially and liable to breach the established arbitration agreement between EQUIFAX and I ; both as the consumer XXXX XXXX XXXX, as well as the entity XXXXXXXX XXXX XXXXXXXX XXXX I HEREBY DEMAND AN ARBITRATION MEETING AND RESOLUTION BE HELD IMMEDIATELY based on these above matters not dealing in FCRA matters at this time. I expect a response in 15 days directly by email by a live representative at XXXX to discuss and disclose the details and terms to reach this amicable arbitration resolution. 


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

The credit agencies is reporting late fees on my credit report. I ask to have them removed and they have declined to do so.
Product: Credit reporting or other personal consumer reports

I think someone stole my identity I never did anything with Paramount recovery at all or any of those other bills report
Product: Debt collection

RENTDEBT Automated Collections Amount : {$6800.00} This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue
Product: Credit reporting or other personal consumer reports

its very upsetting and left a disturbing and distaned feeling after viewing and credit report and seeing several fraudulent items on my report as a act of identity theft. three XXXX  XXXX XXXXXXXX XXXX two XXXX XXXX XXXX, i did not aithorize these accounts, and they were updated to my credit report without my knowledge or permission. Under 15 US code 6802, financial institutions are required to protect my personal information and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within 4 days of you receiving my complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company does not exist or I should say vanished, and it still shows a balance on my credit report. Id like to remove the account from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Equifax on several occasions informing them there are several hard inquiries listed on my credit report dating back to 2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired. 

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from XXXX stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the XXXX dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.