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

I have previously filed a complaint with XXXX, the creditor that was involved with my identity theft case. They have already sent me an affidavit for identity theft in the mail and I sent that off on XX/XX/2022. I have also sent XXXX and TransUnion a copy of my police report my identity theft report and other supporting documents multiple times. They have treated me very rudely. My brother, XXXX XXXX, opened a fraudulent credit card in my name and made himself an authorized user of the card. Based on the police report I have sent them, he has also had a history of stealing checks from my family. I have substantial evidence of my identity theft and still have not had this account removed from my credit report. TransUnion and XXXX even put a 7-year fraud alert on my account but then proceeded to say in recent dispute results that the account was accurate when it was not. Out of all the credit bureaus involved, XXXX by far has given me the best customer service. They have cordially and promptly deleted the fraudulent account from my credit file. I am still fighting with you months after I had found out about this fraud. Since XXXX is my XXXX, his SSN is only a few digits off from mine. That is how he was able to do this. I have not received any financial gain from this at all. I am sick of fighting this case. Why would you place a 7-year fraud alert on my account and then decided the fraudulent account in question is accurate? I am beyond speechless. XXXX has already received my affidavit. They should be beginning to perform their investigation.
Product: Credit reporting or other personal consumer reports

I want to bring to your attention a persistent issue regarding my account with XXXX XXXX, which has been inaccurately reported as having late payments. I would like to emphasize that I was specifically advised not to make any payments until I was successfully enrolled in the My XXXX  XXXX  program. Despite my diligent efforts to resolve this matter through communication and inquiries, the late payment notation has continued to appear on my credit report. I have made multiple attempts to address this issue with your customer service representatives, but the problem remains unresolved.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 
Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

Portfolio Recovery Is attempting to collect on a debt that they have re-aged on my credit report and never sent a dunning letter.
Product: Credit reporting

The credit bureau would not properly investigate the public records that are not mine according to the State of South Carolina Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Product: Debt collection

Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.
Product: Checking or savings account

On XX/XX/XXXX, I was supposed to receive my direct deposit money in my account from capital one bank. I did not receive an email until late Thursday after which was XX/XX/XXXX on why my direct deposit was not in my account. It is now XX/XX/XXXX and I have yet to receive my direct deposit. It is a holiday on Monday and I will probably not receive my money. I worked really hard not to receive my direct deposit, i have bills due and bill collectors do not care about capital one technical problems. I will be kicked off certain insurances if I do not pay. The response from the company seems like they do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Consultant XXXX ID XXXX and Underwriter XXXX notified former creditors when they noticed on my background check that I lived in a large apartment complex for a short period of time. They knew that I likely broke the lease because of noise complaints I made to the apartment management team that went unresolved, so I legally broke the lease. Wells Fargo without my consent notified the large management company : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collected Appraisal Fee up-front before I was approved and before Loan Estimate. XXXX also made mathematical errors that cause the Cost to Close increase by {$2600.00} the day before closing, causing the loan to be canceled at last second, sellers had already moved out, want to file lawsuits because of XXXXXXXX XXXX  gross negligence.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was past due on my XXXXXXXX XXXX  account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from LVNV Funding saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with XXXX on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX balance. XXXX notified me on XX/XX/XXXX that the debt had been verified. I've only ever had one account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the LVNV Funding removed from my report.
Product: Mortgage

Despite multiple requests by mail, e-mail, and voice-message, NationStar would not issued a corrected Form XXXX for many months, wasting many hours of my time. It took me until XXXX XXXX to get them to issue the corrected form.
Product: Mortgage

Wells Fargo tried to foreclose on my house at least 2 times when I had them
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by Experian Dear CFPB, I am writing to formally file a complaint against Experian regarding the inaccurate information being reported on my credit report. Despite reviewing my reports from all XXXX  major credit bureausExperian, XXXX, and XXXX  found that Experian is reporting a collection account and a late payment that does not exist on my credit reports from the other XXXX bureaus. 

The specific details of the inaccurate reporting are as follows : XXXX XXXX  These discrepancies are misleading and have negatively impacted my credit score and overall financial standing. I have already disputed this erroneous information with Experian directly, requesting that they conduct a thorough investigation under the Fair Credit Reporting Act. However, I am seeking your assistance as it has not yet been resolved. 

I believe this inaccurate reporting violates my rights under the law, and I request that the CFPB intervene to expedite the correction of this information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

XX/XX/XXXX Hard inquiry ( Finance ) : XXXX  XXXX via dealer. 
XX/XX/XXXX Hard Inquiry ( Auto ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX. 
These Inquiries are negatively impacting my credit report & effecting my ability of accessing credit. the companies involved seemed to have discriminated against me, based on age & other factors. XXXX XXXX denied me access to my credit when i did not sign anything authorizing a pull. they stated denial based on credit history age. using the social security number for anything other than a financial transaction is not legal. XXXX XXXX, also pulled my credit without me signing any authorization, there app was confusing and it was the cause of the submission. i never wished to have them pull my social. i called them and asked to have it deleted and they did not comply. the denial based on credit history age is discriminatory. 
on XX/XX/XXXX i used XXXX while shopping. the site had a preauthorization for purchase, that stated no affect on credit profile. on XX/XX/XXXX, i went to XXXX XXXX XXXX & made a purchase with XXXX XXXX. Not sure why i have an inquiry from XXXX XXXX XXXX, if XXXX was utilized. XXXX  XXXX, i never contacted regarding myself. These inquiries are the direct result of concealment, discrimination & fraud. the reporting agencies refuse to help so i must come directly to the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which cause severe distress upon the discovery that my rights to privacy were violated by XXXX XXXX on XX/XX/2023 for the amount of {$11000.00}. 

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.

Please Delete this from my credit report immediately.
Product: Credit card

This is actually about my debit card with Santander Bank. I purchased air line tickets from ASAP and when I received a copy of the airline ticket I noticed my name was not on it. I immediately cancelled the ticket from the scam company. The company originally said they would refund and never did so I contacted my bank 4 times and 4 times my claim was denied after I showed proof that this scam company did say they would refund me and was a computer glitch that I did not receive my money. The company then reached back out to me to close the case and they would refund but once I close the case I knew I would automatically not receive my money back. 
I do not know why my bank wont recredit. All the supervisor calls I had said they would assist me in getting my money recredited but that did not happen I will attach my last correspondence with the bank and ASAP tickets Thank you XXXX XXXX I had fraud on my debit card so the credit card i submitted is not the originl debit card but santander has all this info
Product: Debt collection

I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : MIDLAND FUNDING LLC # XXXX MIDLAND FUNDING LLC XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX, I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.
Product: Credit reporting or other personal consumer reports

JUST REVIEWED MY CONSUMER REPORT WITH EXPERIAN XXXX NAME VARIATION AND NOTICE THAT THERE IS A NON- MAILABLE ADDRESS BEING REPORTED ALSO CREDIT BALANCES, TRANSCTIONS ARE REPORTING, CHARGE OFF BALANCES XXXXXXXX XXXX IS REPORTING LATE PAYMENTS WORLD FINANCE IS REPORTING MULTIPLE ACCOUNTS A TOTAL OF XXXX ( XXXX ACCOUNTS ) THAT WHICH ARE IN GOOD STANDING. AND XXXX ACCOUNT WHICH SETTLED FOR {$130.00} .AND ITS REPORTING THAT THE BALANCE IS {$300.00}. 

XXXXXXXX XXXX XXXX XXXX CHARGED OFF THE ACCT IN XXXX AND NOW HAVE UPDATED THE BALANCE AND THE STATUS OF THE ACCOUNT AS XX/XX/XXXX ( COPY AND PASTED FROM CONCUMSER REPORT ) Account charged off. {$590.00} written off. {$590.00} past due as of XXXX XXXX. 
THIS ACCOUNT WAS SOLD TO XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A XXXX PARTY DEBT COLLECTOR- WHOM PURCHASED CREDIT CARD DEBT FROM XXXX XXXX XXXX. ( IM DISPUTING THAT I OWE ANYTHING TO THIS XXXX PARTY CMPANY ) XXXX XXXX IS A XXXX PARTY DEBT COLELCTOR - WHOM I HAVE NO CONTRACT WITH ( DISPUTING ) I HAVE XXXX INQUIRIES LISTED AS WELL XXXX XXXX XXXX XXXX XXXXXXXX - APPEARS THERE IS A {$14.00} BALANCE SHOWING AND UPDATE STATUS
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have recently checked my credit report and noticed that there are some inaccurate accounts reporting that does not belong to me. I have filed FTC report because nobody will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 reporting or other personal consumer reports

I found that I was a victim of identity theft. I need to get these account block because they are affecting my credit so bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

PERSONAL ACCT FRAUD COMPLAINT I was a victim of unauthorized wire fraud. The fraud on my personal account was the second of XXXX wire transfers initiated on XX/XX/22. The first was made from my Chase Business account. This one made from my personal checking account, since it was after XXXX, could not be completed until the following day. The criminal convinced me not to sign into my accounts after we got off the phone while the " Federal Reserve XXXX '' monitored my account for the next XXXX hours with the hope that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in again and they could collect his IP address. This was a criminal offense, he explained, and they would bring criminal charges if they could catch him. At the end of the call, he told me he would call me back in the morning to follow up and to wait for his call. In my non-critical state of mind due to illnessI had been sleeping all day and was awakened by the call at XXXX believed the criminal was trying to help me. I went back to sleep after the call until the next morning. 

DETAILS OF CALL The criminal, posing as a Chase representative by the name XXXX, convinced me he was legitimate because the number he was calling from matched the number on my Chase Business Debit card, XXXX. He had a lot of knowledge about my personal and business accounts. At no time before, during, or after this encounter did I ever share any account numbers, social security numbers, addresses, or phone numbers with him or anyone. He explained with some urgency that he needed to help me reverse several fraudulent wire transfers that were currently in progress by XXXX XXXX of XXXX XXXXXXXX XXXX. Amounts he initially mentioned : {$7200.00}, {$5000.00}, {$1800.00}, aligned with the amounts in the XXXX accounts he was referring to, respectively my personal checking, my business checking, and my business savings accounts. At every curious point, he satisfied my doubts and questions and stepped me through, screen by screen, what he explained was the reversal of these in-progress wire transfers. 

It dawned on me too latethe following afternoonthat he had duped me into unwittingly participating in the actual XXXX wire transfers that would deplete my personal and business accounts. I am shocked and mortified that I was tricked by this criminal. He reached me at just the right moment, having just awakened at XXXX having slept all day due to illness. I have appealed to JP Morgan Chase Bank, a company Ive been a customer with for decades, to do everything in its power to recall the transfers made to XXXX XXXX XXXX XXXX account. But my bank seems to have a loophole in protecting me since I unwittingly became a participant in this fraud. 

I am a single, middle income XXXX, and this criminal depleted my accounts of all my liquid funds.
Product: Credit card or prepaid card

I recently made a large payment ( {$500.00} ) towards my Wayfair credit card to paydown a promotional balance that expires in XX/XX/XXXX. Instead they applied it to the balance of a promotional balance that doesn't expire until XX/XX/XXXX. I won't be able to pay the XXXX promotional balance in full now and will be unfairly charged interest when I shouldn't have to. I intentionally made the payment so that I wouldn't have to pay any interest.