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

THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute with transunion in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

They will not release my tax refund I been waiting days on them to release my money its always something this bank card I hate it and will never refer no one
Product: Debt collection

My wife received a call from someone who said they represented CITI Bank. They started saying we owed money, which we do not. They threatened her and that they would call her work. We have already been through this last year before with another bogus outfit and filed a complaint on them, which is listed. We have proof this debt was paid. 

This company is called XXXX XXXX ( what a joke! ) and their number is ( XXXX ) XXXX. 

Thanks, XXXX XXXX XXXX
Product: Credit card

Upon reviewing my account online with Penfed, I noticed that they had closed my XXXX credit cards. I immediately pulled my XXXX credit report and noticed that none of my credit accounts appeared on my XXXX credit report anymore- including Penfed & XXXX XXXX . I contacted XXXX and filed a complaint with the CFPB against XXXX. 
XXXX said that my credit file had been mixed with someone else and there was a ton of bad accounts listed that belonged to another person with the same name. XXXX has stated that they have now corrected my credit report. I sent Penfed a letter stating that my XXXX credit report had been mixed with someone else and to please reconsider their decision to close my credit cards. I have been a very good customer to Penfed. I am very disappointed that Penfed never mailed me anything stating that they had closed my credit cards and had to find out from visiting my online account. I am even more disappointed that Penfed completely ignored my letter requesting reconsideration. This very unfortunate situation can happen to anyone. I can not control how the credit reporting agencies handle or mishandle my credit file. XXXX has assured me that everything has been corrected. After this fiasco with Penfed, I contacted XXXX XXXX and explained the situation with XXXX mixing my credit file with another person. I have a credit card with XXXX credit limit with XXXX XXXX and did n't want to go through the same situation with them. 
XXXX XXXX was so great and they are standing beside me. I thought Penfed would do the same but I can not even get them to respond to my letter. I truly enjoyed my relationship with Penfed and was proud to be a member of Penfed. 
I have family members and friends that have been with Penfed for years and they are shocked that Penfed is not responsive to me. According to them, this is not typical of Penfed. So I am left confused as to why I am having such a negative experience. I have handled my Penfed accounts responsibly and I truly value my relationship with Penfed.
Product: Vehicle loan or lease

I have reached out to Ally Financial on a number of occasions. They have not applied the 2 missing payments of {$400.00} to my account : XXXX. I have sent the facts from my bank report and the representatives/managers in the asset recovery department are disconnecting my calls without resolving the issue. The dates for the missing payments are XX/XX/XXXX and XX/XX/XXXX. The outstanding balance is incorrect and they are reporting inaccurate information to the major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX, XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

I was contacted by a debt collection agency : Capital Link Management re an account with XXXX in the amount of {$2800.00} ref # XXXX. The original creditor was listed as XXXX acct # XXXX. 

The name on the reference letter sent to me re this debt was XXXX XXXX, XXXX XXXX XXXX, XXXX, NH. This is not me and I have no knowledge of this account. I was told to check my credit report which I did and saw no listing of this debt. 

The debt was reportedly related to a lease for a XXXX XXXX opened on XX/XX/2018. 

The collection agency has my ss # and birthdate. I don't know how or why they have this information. 

I called XXXX and was referred to this link. 

I would like to stop calls to me, my wife and my daughter re this matter.
Product: Debt collection

On XX/XX/XXXX, I received a Court Summons that XXXX was suing me over an account that they claim I OPENED in XXXX of XXXX, and charged nearly {$5500.00}!! THIS IS A LIE!! Since the LATE SUMMER of XXXX, I have been battling with IDENTITY THIEVES, and XXXX CLOSED my account AND WROTE IT OFF AND CHARGED IT OFF OVER A YEAR AGO!! So, this account that they claim I opened in XXXX of XXXX, is A FRAUD!! I WON'T PAY IT!!
Product: Debt collection

After loosing my wallet at the end of XXXX with all my identity cards such as drivers license, social security card, credit cards, debit cards and residency card inside of it, I had a lot of hard inquiries and credit card showing up under my name. I contact those companies to try and cancel them but they wouldnt help me at all, I even filled dispute over them all but there still wasnt removed. I just learnt from a coworker about this website that might be able to help me clear them up. I am giving another try. Thanks for your assistance. Collections and charge offs are listed below. 
-Midland credit management {$630.00} and {$3500.00} -NCA {$970.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : XXXX Consumer Solutions XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Request for Verification Process and Immediate Removal of Disputed Accounts Dear Experian, XXXX, XXXX I am writing regarding the accounts listed below, which I believe are being inaccurately reported on my credit file : XXXX XXXX  XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, you are required to ensure the accuracy and completeness of all information reported on a consumers credit file. Therefore, I am formally requesting detailed information regarding the processes, procedures, and metrics you used to verify the accuracy of these accounts. 

Specifically, I request the following : A clear explanation of the verification process conducted for each account. 
The name and contact information of the data furnisher ( s ) you contacted. 
A copy of any documents or records provided to verify the disputed information. 
If you can not provide a detailed response or complete your investigation within the legally mandated timeframe ( XXXX  days from receipt of this letter ), I formally request the immediate removal of the XXXX XXXX and XXXX XXXX XXXX accounts from my credit report as per FCRA regulations. 

The continued reporting of inaccurate or unverifiable information is not only damaging but also a violation of my rights under the FCRA. 

Please provide a written confirmation of your findings or the removal of these accounts. For your reference, I have included supporting documentation to assist in your investigation. 

Thank you for your prompt attention to this matter. I expect a full response within XXXX  days, as required by law. Failure to respond adequately may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action to protect my rights. 

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

XXXX Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX to open a credit XXXX without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX XXXXomeone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXXXXXX XXXX  I have more then XXXX inquiry from them XXXX XXXX XXXX XXXX tried to open about XXXX loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX auto finance which is also my bank did the same thing mislead information to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Mortgage

I was picking up a cashiers check at the Regions Bank located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX. XXXX XXXX was helping me and she mentioned to me that they were running a special if I re-did my home equity line of credit that I currently have with Regions. She said they would waive all of the closing costs and the rate would lower and they would have a 6 month promotional rate. She followed up with me on XX/XX/XXXX and I then sent her my application over email sometimes in the next two weeks. Everything was very confusing and she told me that she would payoff what I owed on my current HELOC of $ XXXX and increase my line of credit from $ XXXX to $ XXXX. This all sounded good to me. I then received several emails from her over the next several weeks asking me for pay stubs, w-2 's tax returns, homeowners insurance information, bank statements, all of which I responded to and sent her via email when she requested. I was out of town last week and someone texted me and told me that they were coming out to do an appraisal. XXXX didn't tell me anything about this, but that was fine, and he came out and did it. I had not heard anything from her in several days so I decided to follow back with her after receiving a letter in the mail while I was out of town about a counter offer. This counter offer was dated XX/XX/XXXX, but it came in the mail between XXXX. So that was confusing as well, because in an email dated XX/XX/2021 in response to my inquiry about the counter/denial letter, she said.. 

Hi XXXX, I spoke to your underwriter yesterday. From what I can gather, things are running slow because of the holidays. As it looks right now I am waiting on a few items to be completed from underwriting. All documents that I have submitted have been approved. I will contact you with a closing date as soon as everything is ready to go. I appreciate your patience. 

I responded that I had received a counter offer and what did that mean. She responded with : " What does the counter offer say? '' I had to take a picture of something that her company had sent me and send it to her so that she could know what it said. I found this very concerning and red flags began to go up. 

Apparently once she read the counter offer I found out later that she called the underwriter who told her that the way that she had it set up was not possible. Everything about my application improved once I sent in documentation to her. The appraisal was higher which made the LTV and CLTV lower than the 80 % CLTV that she had been promoting. 

Long story short they can't do anything for me because she said she was unaware of a Regions guideline that capped CLTV 's over a certain loan amount. This feels like a real bait and switch situation to me. She was promoting this great deal of a 6 month teaser rate, and then no annual fee, but apparently that was never even a possibility. I can't find her NMLS number in her email signature, but I am assuming she is registered. She should have known what the max CLTV 's were for my loan amount at very beginning before promising something that she could not deliver on. This is beyond unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX. XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX & 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 reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report fraudulent accounts on my credit. I have communicated with Equifax, XXXX and XXXX for over a year. I have disputed and communicated within my rights to have these accounts removed from my credit reports. XXXX  and XXXX  have complied with my request to block and remove items that do not belong to me, per section 605B of the Fair Credit Reporting Act, which details the credit bureaus responsibility to block fraudulent information on my credit report resulting from identity theft. All required documentation was submitted and Equifax has handled my certified mailed documents as if they were a normal dispute. 
On XX/XX/2018 I spoke with a fraud department manager, XXXX in regards to my concerns in how they have handled my file. Only one account was removed and he stated that this was due to the creditor stating to remove the account. I questioned the manner in which they were handling my case and he stated that they have to present my information to the creditors and wait for them to 'electronically verify ' my account. By law, a document bearing my signature has to be on file to validate the accounts and neither the creditors or Equifax have a copy of these alleged documents.I was told by XXXX that an electronic verification is all that they need. This is not legal and I want these fraudulent accounts removed from my credit file immediately. I am prepared to take the next level of suing Equifax for not complying with the law and misrepresentation of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I created an account with XXXX XXXX to monitor my credit because I am in the process of purchasing a home. I than realized that I had several inquiries on my report that I did not authorize. I reached out to the companies and the only response received was that I was to contact the credit bureaus. I typed out a letter to all credit bureaus with the information I did not recognize and sent it via certified mail on XX/XX/2019. Letter is attached. On Friday XX/XX/2019 Transunion responded with an explanation of what a inquiry was but DID NOT complete a full investigation as required by law. As a consumer and under the FCRA that is a injustice. I also have a credit alert on my account requiring anyone needing to pull my credit to contact me and that was not done.
Product: Mortgage

I fell behind on my mortgage in XXXX of this year due to a loss of income. I proactively reached out to my lender to request reinstatement under a payment plan, offering to remit two payments upfront, totaling {$8400.00}. The agent advised me to call back the following week when I had the full amount available. Upon my follow-up, a different agent placed me on hold to obtain approval for my payment. When she returned, she informed me that my request had been denied and that I was in foreclosure. I stated that I had not received any notice of default ( NOD ), and she claimed it had been emailed to me. I questioned the validity of this communication, as I understood that such notices are typically required to be sent via mail. 

I expressed my intention to retain possession of my property and proposed a plan to remit the full mortgage payment plus an additional half payment each month until I became current, which I estimated would allow me to rectify the situation within 90 days. However, I was informed that my only option was to pursue a loan modification at the current market rate. When I attempted to initiate this process, I found myself blocked from their online portal, preventing me from uploading the necessary documentation. see attachment, I reported this last week and its still not allowing me to upload documents to save, my home. i was told no one else has this issue which sound like I am blocked. 

I want to reiterate that I can make payments totaling {$6200.00} over four months ( {$4100.00} to {$2100.00} ) to bring my account up to date. Under the California Homeowners Bill of Rights, I have the right to receive assistance from my lender to explore alternatives to foreclosure, including reinstatement and loan modification options. The law requires lenders to provide clear communication and to work with borrowers in default. I believe I am being unjustly obstructed in my efforts to save my home and exercise my rights as a homeowner in California.
Product: Money transfer, virtual currency, or money service

Recently I found out the 1099 forms I was filing from robinhood llc on my taxes had my correct name but the wrong social and I asked the company to revise my 1099 form so that I could ammend my tax returns and put the corrected 1099. Instead they elected to close my account and havent returned my funds. I provided all documents to them I including driver license, selfie, social security card and my bank statement. Theyre closing my account and withholding my funds without giving me any reasoning. I have deposited over XXXX into the robin hood brokerage and theyre holding my money hostage
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX {$84.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$150.00}
Product: Debt collection

The collection agency, CRS ( aka Debt Management Inc. ) was sent a letter invoking FDCPA and told not to call my number and only contact me in writing. That note was sent on XXXX XXXX and, according to the representative I spoke to, received on XXXX XXXX. However, they contacted me AGAIN TWICE on XXXX XXXX.
I had my husband call as my representative and the gentleman named XXXX XXXX was extremely rude. He could not get a word in edge wise.
Product: Money transfer, virtual currency, or money service

XX/XX/2025 I zelled a merchant {$10.00} and I didnt receive the product promised. 
On XX/XX/XXXX I found another merchant selling the same product that I was looking for and zelled the merchant {$200.00} and didnt receive the product promised. I called my bank and told them that I feel like Im being scammed and they said well because you have already sent the money they couldnt do anything about it but were happy that I reported it & that the number or email would be flagged when they tried to scam someone again.