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

Please be advised that I have received a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me via mail twice that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Therefore, your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. I am annoyed and outraged at your accusation and I have researched my rights regarding my credit file, and I will be seeking compensation.
Product: Credit reporting or other personal consumer reports

I looked up my report on XX/XX/year>, and contacted agency to noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed XXXX XXXX-South XXXX XXXX SERVICES Also according to 15 USC 1681s-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 

I looked back on my report XX/XX/year> and contacted agency again, to noticed some things were still incorrect and inaccurate. According to 15 USC 1681i 5 the agencies are suppose to do these ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer.

A description of the investigation 15 USC 1681i ( 7 ) : ( 7 ) Description of the reinvestigation procedure a consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later then 15 days after a request from the consumer for that description.

Though, this did not happen...

Therefore, according to 15 USC 1681s-2 agency aren't supposed to furnish any information relating to consumer to any consumer agency if the person knows or has reason to believe that the information is inaccurate
Product: Checking or savings account

The company 's ( XXXX XXXX XXXX XXXX XXXX XXXX ) Wells Fargo bank account was used unauthorized and there were 3 cashed FORGED chek in the following dates ; 1. XX/XX/22 for XXXX, to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
2. XXXX for {$32000.00} XXXX  to the order of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX, This check XXXX for {$20000.00} to the order of XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX Ar. XXXX. 

The company didn't had a check book to issue all those checks, when we reported this to Wells Fargo, they didnt provide us with a solution since " time for claims had pass '' but when we requested a copy of the cashed checks, we notice that they were forged checks, had blurred numbers, wrong company name and address, forged signature, they didnt comply with any element of a valid check and even with that, those were cashed and Wells Fargo didnt provide any solution. 

The account is closed since no solution was provided by the bank. We have a XXXX XXXX report number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I obtained a copy of my credit report in XX/XX/2017 and noticed that Account Services , Inc. was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Account Services, Inc. in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent in XX/XX/2017 -- -120 days later. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. The patient 's date of birth is listed as XX/XX/17, which is not my date of birth. The address listed is the Virgin Islands, for which I do not reside. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS ACCOUNT SERVICES IS VIOLATING MY CONSUMER RIGHTS.
Product: Debt collection

I am a victim of Identity theft and have been for several years. In spite of this I have debt collection agencies who continue to put false inaccurate information on my credit report. These collection agencies have been given proof countless times on these false inaccurate collections on my credit report. They have removed and added them back on my credit report. They are in violation of the FCRA and refuse to provide original signed contracts that prove that the information is mine. I have given them documentation that supports my identity theft claim. They have failed to remove these false collections
Product: Checking or savings account

On XXXX, I opened a US Bank Business Checking " Silver '' account. I did so because I was seeking a new business checking account, and because US Bank was running an attractive promotion for business checking accounts at the time.

To fulfill the requirements of the promotion, I deposited {$15000.00} into the account on XXXX, and withdrew the {$15000.00} from the account on XXXX. ( As a result, in accordance with the terms of the promotion, I made " new deposit ( s ) of at least {$15000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$15000.00} until the XXXX day after account opening. '' To this day, my account has remained open and with a positive balance. 

To date, US Bank has not deposited the {$750.00} promotion into my account, despite me fulfilling all of the terms listed in their promotion at the time. 

I have reached out to US Bank customer service on several occasions via phone ( I do not recall the exact dates of these calls ), and they told me that I didn't include the promotional code in my application. However, I have a screenshot of my application that I took during the time of my application showing the code ( " XXXX '' ) applied and entered into the appropriate field. I have not heard back from customer service since sending this information over to their customer service email, as per their request. 

On XXXX, I contacted the closest US Bank branch via phone and explained the situation. I forwarded the aforementioned screenshot via email ( as per their request ) and waited to hear back. 

I followed up with the closest US Bank branch via email on XXXX. I received a reply, saying in part " [ management is ] actively looking into this. Since it is an expired promotion, it is taking some time to get results. '' I followed up once more with the same branch via email on XXXX, and have yet to hear back. 

I possess the screenshot of the promotional code applied to my application ; the terms of the " XXXX '' promotion that state the promotion being valid through XXXX ; and the email correspondance pertaining to my communication with the branch thus far. I am willing and able to provide these documents if needed.
Product: Credit reporting or other personal consumer reports

Noticed inquiries on my report that werent authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. 

I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. 

The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. 

I am XXXX and I feel this company is trying to take advantage.
Product: Credit reporting or other personal consumer reports

Today, I was surprised to see incorrect accounts on my credit report, and I have no idea where they came from. I always check my report, but this time I noticed unexpected inconsistencies. I attempted to refresh my browser to rule out a technical glitch, but the inaccuracies remained. Therefore, I am asking for a detailed review of my submitted documents to prevent this issue from recurring.
Product: Credit card or prepaid card

You have reported my Walmart account closed in XXXX and again in XXXX. My account was paid in full. Please delete both accounts off my credit report. I havent had a Walmart credit card since XXXX. Please update this with the credit bureaus as well
Product: Checking or savings account

I have several accounts with Chase and have an external checking account linked to my Chase checking account. I verified the external checking account with Chase and have been transferring funds with no issues for months. I initialed a transfer on the Chase platform from the external account to my Chase checking account. I then received a call that the transfer was rejected. No explanation was provided. No new policy was given and I was simply hung up on. After being hung up on several times and transferred several times, all I was told was that Chase would no longer allow transfers from external accounts. That there was a policy, but that they couldn't tell me what the new policy was, when it was enacted, why I was not given notification, or anything about said policy. They have continually held my transfers for long periods of time and now will not let me even use my account.
Product: Credit card

XXXX XXXX bank opened up a credit card account in my name that I didn't ask for. 

Last year, I picked up a couple of items at XXXX XXXX totaling about {$30.00} dollars. When I went to pay for it, I gave the clerk my credit card. But then another lady walked up to me and said I could save lots of money on future purchases if I just answered a few questions. And so I did. 

But when she asked me my yearly income, I immediately said, " I'm not signing up for a credit card. '' And she said something like, " No, you're just going to get some really good deals! '' Anyway, after the transaction, I walked away thinking that I had paid for my purchase with the credit card I gave them. Later, I received a XXXX 's Credit Card in the mail and immediately tore it up. I called XXXX 's and explained the situation and I was referred to another phone number which didn't help me either. 

I contacted Synchrony bank after being billed. I talked to their representative via phone as well. And I sent them a letter expressing my disgust. Since then, they've been sending me late fees every month which I refuse to pay. BTW, I'm XXXX XXXX XXXX, and I think this might be elder fraud. 

Now, my once always excellent credit scores have plummeted to just fair ratings. I think I've definitely been wronged, and I would like some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to Shell point. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the better business bureau multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with this CRA in regards to XXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.
Product: Debt collection

I notified the company that my identity was stolen during the experian and XXXX XXXX breach. And provided documents to prove that now they are sending letters of taking legal action and damaging my credit every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it disheartening that you keep claiming an account to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete this account .It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at my attachment as proof you can see that is not accurate and consistent. The account in question are XXXX XXXX XXXX. Here is the inconsistencies. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. I have attached a document that list all 3 credit bureaus side by side that clearly show that you have not properly verified anything. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX XXXX and XXXX. Please remove all from my credit report.
Product: Credit reporting

Reinserted previously deleted information. Transunion once had XXXX removed which is now reinstated back on my credited report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Account XXXX XXXX XXXX  XXXX # XXXX {$410.00} 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied and got approved for the Discover student cashback credit card on XX/XX/XXXX. I was asked to sign the IRS Consent Form 4506-C for them to verify my personal information. I called their customer service several times, and they asked me if I filed my tax return in the tax years XXXX and XXXX, which I did for both. On XX/XX/XXXX, without any further communication, they closed my account, without me even using the card. And the reason was they couldn't verify my account for the tax years XXXX and XXXX. My XXXX federal tax return was still being processed, and, for the XXXX tax return, I used my ITIN instead of SSN because I didn't have an SSN back then due to my immigration status. There was clearly a miscommunication, and they closed my account and sent a report to credit agencies without even asking me for any further clarification.