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

I have already sent multiple letters to XXXX, XXXX, and Equifax requesting the removal of old, outdated, and incorrect information from my credit reports. However, none of these credit bureaus have responded to my requests or taken any action to rectify the errors. 

The inaccurate information in my credit reports could have severe consequences if a potential employer or bank were to review them. Despite providing evidence of the errors and requesting prompt deletion, the credit bureaus have failed to comply with my requests. 

It is frustrating and concerning that XXXX, XXXX, and Equifax have neglected to address these issues, putting my financial reputation at risk. I demand immediate action to correct the inaccuracies and ensure that my credit reports reflect only accurate and up-to-date information.
Product: Checking or savings account

XXXX returned three times since they were n't sufficient funds yet continue to kept charging me over draft fees when they were n't even being covered. I went to a branch near me and made a huge payment to try to settle and close my acct but they had charge me over {$400.00} in overdraft fees. And now I 'm asking Wells Fargo to remove some of the overdrafts because they did n't cover the bills that were being posted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, 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.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I purchased a couch from the website rooms to go. I used the chat option on rooms to go, to inquire about the financing options they had, and the sales representative directed me to a company named Acima. 

I was approved a total of {$2300.00}. My couch cost {$1900.00} + {$160.00} delivery Acima has been billing me {$190.00} ( XXXX  installment ) and {$180.00} twice per month. 
My last payment was the following : Rent : {$140.00} LDW : {$14.00} ( they don't tell me what this is ) Acima benefit plus : {$7.00} ( they don't tell me what this is ) Taxes : {$11.00} ( they don't explain what tax is this ) My lease number is # XXXX Currently my balance is at {$1500.00} + tax ( what tax is this if they are already charging me tax on the installments? ) and i have made the following payments so far : XX/XX/XXXX : {$53.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} = {$970.00} It says on my leasing profile that I only paid {$800.00} ( the math is not mathing ) I have an early purchase option that ends in XX/XX/XXXX, if i dont pay the balance by then, they will charge me a total of {$5400.00}. I want to use the early purchase option and pay the full balance before XX/XX/XXXX, but i want them to explain what are those double taxes and the fees, so they can rectify the total ammount for me to pay the balance. 

Their phone number doesnt work. Every time the automated system takes me to the option to talk to someone, the call disconnects on their end. Every single time. Their chat option is uselss because theres usually a line of XXXX people in it, and if you leave the screen you're kicked out. The only time i was able to chat with someone, they were rude and disimissed me and told me to call their XXXX number. which the call disconnects everytime. They also don't discuss my account in writing, only via phone which I can never reach anyone and the only time i was able to speak with someone is when they called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! The Credit Reporting Agencies have failed to properly conduct an investigation in order to have the disputed fraudulent accounts and information that are reporting on my Credit File. This CFPB complaint is already my 10th CFPB complaint requesting the same request over and over again, and yet they are still indicating the dispute accounts and information. Under the fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove the disputed accounts and information that resulted due to identity theft. However, the Credit Bureaus have claimed that the disputed items were verified without sending me copies of proof of verification or any documents bearing my signature. This action of the Credit Bureaus is a clear violation of a consumer 's rights which protected by the Fair Credit Reporting Act. I previously contacted the Data Furnishers and they verified that the disputed items are reporting erroneous information in some way or another. I am now submitting this CFPB Complaint to request that the Credit reporting agencies completely remove the disputed accoutns and information from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXXXXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

I recieved a phone call from the collection agency stating o owed {$500.00} from when i was in the hosp on XXXX for a XXXX.The only bill i ever got was for {$250.00} for the XXXX, which i paid.That was the ONLEY bill i got.All other bills were paid by XXXX XXXX or Va ( veterans adimistration ) .The last time i talked to the collection agency was XXXX when i was on vacation in Az , i told them i would be back home in XXXX and to send me a copy of the bill i owe but to this day i have NEVER recieved a bill from no one for that {$500.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.
Product: Debt collection

This appears to be from a charged-off credit card BANK ONE, I do NOT recognize. 
The Charge-off date appears XX/XX/XXXX. 
No Complaint ever filed. 
No payment by me was made on this account. 

Starting XX/XX/XXXX, I received a Collection Letter from a MA attorney. 
My attorney mailed a letter to this attorney, requesting a copy of any Judgment for this issue. 
We never received a reply. 
Letters continued to arrive from this Collection Attorney. Finally, they seemed to cease. 

XX/XX/XXXX/XX/XX/XXXX- I receive another Collection Notice, for same original account, from a different Collection/Debt Buyer. XXXX XXXX XXXX. 

My attorney mailed a 'Cease & Desist '' letter, via USPS Certified Mail. 
After this letter, my attorney received a call from the law firm for this Collection Co. Calls back and forth went on for about one month. 
I was told these notices would cease. 

XX/XX/XXXX- I received another Collection Notice for the same account, from a different Collection/Debt Buyer, Dynamic Recovery Solutions and Accelerated Financial Solutions. 

My attorney mailed the same " Cease & Desist '' letter to these new Collectors, via Certified USPS. 

I counted XXXX Collection/Debt Buyers on this account since it states it Charged-off. 

My attorney filed a complaint against XXXX, for allowing the account to continue, and against Dynamic ( DRS ) and XXXX ( XXXX ) for not checking any status on this account before proceeding. 

In documents with these companies, my complete SS # is reflected. There is n't any redaction. I am really scared this will continue. 

Is there a limit on how often a debt can be bought and sold over time? 
This could go on for infinity, and the Debt Buyers/Collection Agencies do not seem concerned. 

I do n't have any assurance my personal information is safe. 

Help!
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased an at home XXXX  service and products. Shortly after purchasing the service for over {$2000.00}, the company ( XXXX XXXX ). failed to live up to the service they sold and the products were faulty. In XXXX of XXXX I filed a charge back with Citi Card, and for 3 months they investigated based off of my brief complaint and did not ask me to provide any additional information until XX/XX/XXXX. Once they received my additional information, they assured me that Citi was on my side. On phone calls and in letters, they described to me that Candid was in the wrong and should issue me a refund. While Citibank found my request valid, they said that they could not reclaim my payment to Candid and that I would have to pursue another avenue such as hiring a lawyer or filing a XXXX  claim. However, Citibank has contradicted itself many times in our interactions : for example, they stated that if the merchant admitted their wrongdoing and offered me any form of a refund, then this would constitute a chargeback and dismissal of the bill. I showed Citibank this in writing, but they still denied my request. Despite finding that the merchant was at fault, Citi told me that they were not going to be able to return my funds, and that I would need to pursue other options. 

Furthermore, Citibanks service throughout this process was highly irresponsible. In order to move my claim along, I had to call frequently and correct their account of the events. Citi also told me contradictory information on many occasions, and assured me that this case would be resolved in my favor. Despite speaking with a supervisor, they told me there was nothing more for them to do. When I requested to speak to another supervisor or superior, I was simply told no.
Product: Credit reporting or other personal consumer reports

been disputing this account for some time they are refusing to removed from my credit reportXXXX XXXX XXXX ACCOUNT XXXX XXXX.
Product: Credit card or prepaid card

Earlier I made a complaint with CFPB regarding the fraudulent charges on the credit card ending in XXXX and HSBC was asking for a Police report which I filed already on XX/XX/2019. The Police report No. is XXXX and over all 32 charges have been reported as fraudulent amounting to {$1800.00}. They can contact the police department regarding this issue. 

So i do not have to make any kind of payments to HSBC, in fact HSBC needs to give me a credit of XXXX. 

I have marked all the fraudulent charges in the statements attached below. 

Ms. XXXX XXXX of HSBC was supposed to contact me on Monday ( XX/XX/2019 ), but she never did, I called her thousand times but to no avail. HSBC has hired some irresponsible people who do not keep up with their promises. ( Please see her email attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information id theft victim sent all po reports and hdp reports
Product: Debt collection

Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!
Product: Credit card or prepaid card

Credit Karma led me to believe that i could get personal loans and or a credit card to help build my credit since ive been using their app. Everytime i have been denied and my time is wasted as well as my credit report getting worse instead of improving it. This is unacceptable and should be resolved immediately!
Product: Credit reporting or other personal consumer reports

I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XXXX for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX ) and the educational institution XXXX XXXX XXXX XXXX XXXX and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX
Product: Credit card or prepaid card

I sent a XXXX XXXX money order for {$850.00} to XXXX XXXX Bank on XXXX XXXX, it was cashed on XX/XX/2022 and I called and recorder the conversation trying to resolve it. They asked me to send documents, after receiving the documents they still refuse to say they received them after they provided me with the wrong email address they had on file and apologized but didn't resolve it he issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report regarding a fraudulent account on my credit. 

Experian & XXXX : XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2021 Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincere XXXX XXXX XXXX XXXX
Product: Mortgage

just giving you more lies ocwen gives me not that it matters to the cfpb or ocwen ... but ... once i figure out how to get all these phony docs and lies ocwen has sent to me ... i have so many ... im sending copies to the ...

EOP U.S. attorney General U.S. attorney members of the U.S. Senate and house of representatives..

house judiciary committee house oversight committee FBI XXXX XXXX  judge XXXX XXXX  and whom ever else I find this letter clearly states ocwen received my loan from gmac in XX/XX/XXXX ... when they went banrupt ... in which gmac only stamped my mortgage assignment in XX/XX/XXXX ... ( out of business ) .. gmac never sent me a transfer notice from home eq ... .or anyone else for that matter ... and here is home eqs paper clearly stating ocwen got my loan from them in XX/XX/XXXX ... but ... i DO NOT believe ocwen was licensed to have my loan ... .in my PSA ... until XX/XX/XXXX!!!

when the paperwork was done for out mortgage in XX/XX/XXXX... is was never notarized in front of us ... thats a whole different complaint ... but I'll get t gat together
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain credit report, credit score through Equifax. Also unable to freeze my credit file as a result. I call customer service daily and transferred from one group to another. Each group says the other group will fix. I am caught in a constant loop of no action. Today I spent 2 hours and 45 minutes on the phone with Equifax. I get a " tech support '' confirmation number and start the wait all over again. No one at Equifax can tell me what is actually wrong with my credit file other than there is a " discrepancy '' in my information @ Equifax, however, the representative can not tell me what the discrepancy is. I confirm all of my information by phone and the rep says it matches - yet still can not obtain a copy of my Equifax credit file. No one within Equifax can explain why I am unable to obtain a copy of my report, score, etc. I am unable to file a dispute on my report for the same reason. I can not obtain a free copy. I have attempted to pay for the report and it will not process. Photos I have attached to this complaint are examples of the ongoing issue like today 's 2 hour and 41 minute call. The emails received from my credit card company reflecting the charge for a product and the Equifax email stating failure to process ( which is an internal Equifax issue, not a credit card payment issue ). A photo of my email inbox for today with all of the Equifax orders the representative attempted to process while we were on the phone, to no avail. And have included a photo of the error received when trying to file a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX  {$25000.00}