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

I have been disputing items with the three major credit bureaus : XXXX, Equifax, & XXXX and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXX bank. XXXX bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Product: Mortgage

Wells Fargo has added an appraisal fee after initially waiving this fee ; this has increased the cost of the loan, and added potential delays to closing, at a time when it is too late to change to a competitor bank. This is a classic " bait and switch ''. 

I applied for a home mortgage loan through Wells Fargo- and from a selection of other banks- on XXXX XX/XX/year>. In my initial application, I provided my home closing date, and the date when I would start my new job ( approximately XXXX weeks after closing ). At that time, Wells Fargo waived the appraisal fee, which was a substantial savings and was a material reason why I chose Wells Fargo as my lender. I proceeded providing documents for weeks to secure the Wells Fargo loan. On XXXX XXXX, I was informed that the appraisal fee was going to be added back to the loan costs ; neither the closing date or my job start date had changed. It is now too late to switch to another bank, and the delay in arranging an appraisal threatens the closing date.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing the validity of XXXX XXXX collecting on an alleged debt of {$1100.00}. I requested for an investigation and documentation detailing alleged debt and written communication from XXXX XXXX. On XX/XX/XXXX I received an email from Equifax that the Portfolio Recovery A was updated as a new open account established on XX/XX/XXXX with 120 days late payment with no documentation to support claim. The erroneous information has impacted my score negatively. I have tried several time with Equifax to correct this erroneous report and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 systematic 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 have neither corrected nor removed disputed items despite 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 inaction violates federal law and my rights as a consumer.
Product: Debt collection

I previously had services with XXXX between the months of XX/XX/XXXX and XX/XX/XXXX. At the completion of service XXXX provided us with a final statement that has some erroneous charges. XXXX was contacted and informed of these errors and would update the bill to reflect the accurate charges. The erroneous charges were removed and the billing statement was updated. A new bill was to be mailed to the forwarding address of XXXX XXXX XXXX, XXXX, GA XXXX. After waiting approximately two to three weeks I called XXXX who informed that the bill was never sent and that a second request to send the bill will be submitted. Again we waited an instead of having a bill sent to us our account was sent to collections. Over a period of two weeks the collection was removed and XXXX agreed to send us an updated bill via mail, but again it never came. They instead sent to another collection agency. Now as of XX/XX/XXXX XXXX has not sent us a bill and a third collection agency has now made contact in an attempt to collect the debt. 

The last contact made with XXXX to attempt to obtain the bill was on XX/XX/XXXX. A request was made to obtain a bill a copy if the bill. To ensure that a copy would be sent a control number was provided XXXX. This was the order number associate with the request to obtain a copy of the bill. Again this bill has not came and it has been sent to the collection agency. I have previously sent similar complaints to the CFPB in regards to similar activity from XXXX. 

XXXX was contacted on XX/XX/XXXX and was informed that account was charged off. XXXX then refused to provide me a statement but continued to ask for payment. I was told that once I provide payment a statement can be sent to me in the form of a receipt. XXXX is also stating that the account will stay in collections until I pay.
Product: Bank account or service

Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of XXXX. I've completed countless dispute with both the creditor bureau and XXXX to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing XXXX reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and XXXX most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to XXXX that as a consumer I have the right to privacy and I never authorized XXXX to report on me. I was told that information was included in my MPN, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( XXXX ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, XXXX is wrong in reporting wrong information, wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card ending in XXXX is not being reported to any of the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Chase since XX/XX/XXXX without missing any payment, during the pandemic in XX/XX/XXXX, my husband sent a payment using the post office the payment was delayed two days and Chase refuses to rectify that and this is hurting my credit score.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX -- -- -- -- Equifax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed XXXX {$3100.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} ALTAONE FCU XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$3100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There Are Unauthorized Accounts listed on my credit report. I did not open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX, Experian, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation.

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference.

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2025 I wired {$900.00} to my SoFi bank account, which was added to the money already in the account from my direct deposit. I was preparing to pay bills with this money. After the money was received in my SoFi checking account, I discovered that my account was " restricted '' and contacted the bank customer service line to inquire what was going on. I was told that the account was being closed. I asked why, and they said an " internal team '' was investigating the account, it had been decided that they were closing the account, and I could not challenge their decision or contact the " internal team '' that was responsible. Further, they said I would have to wait until they officially closed the account, at which time I would receive an e-mail explaining the issue. Then they would send me a check in anither 7-10 business days. 
This is completely unacceptable. I should be told immediately why they feel it is necessary and appropriate to close my account. I should also be able to contest the decision, but they will not even allow me to speak with the team responsible. 
Worse still, the money that is needed in order for me to pay bills has already been held for 12 days and they still have not formally closed the account, or sent me any information.
Product: Credit card

On XXXX/XXXX/2016 to XXXX/XXXX/2016, I was a victim of fraud for my capital one credit card. In lieu of this, capital one cancelled my credit card. I had a good standing for my credit card, making payments on time and trying to rebuild my credit. Someone opened up another card and I was not notified. I do n't think capital one asked for my information before letting this fraud occur. How can someone just call and open up an account by saying I moved and my card was stolen without capital one calling my phone to make sure it was me? I am devastated about this. And how can they just rip my credit card from my life because of fraud? They gave me a new number for a new card and made up a secret code and question to be answered before anyone can get information yet, still took my credit away from me. I did nothing wrong at all. I do n't understand why I cant have my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

https : //service.transunion.com/dss/disclosureCategories.page transunion@em-tuci.transunion.com I don't think this is actually transunion. I have been having a XXXX of a time with my identity here lately and I think I may have just given whatever this XXXX web site is my WHOLE Social security number!! SMH I am BEYOND over this freaking phone. I need someone who can help me put up safeguards for my identity to please please tell me what to do I am at my wits end!
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered XXXX Total fraudulent amount : {$2800.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
SINCERELY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent investigation of Acct Number # XXXX Creditor : XXXX XXXX  XXXX did not remove the unverified negative account from my credit report, reporting in collections. 

Under the FCRA Equifax, Experian and Transunion are required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).

Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
Product: Checking or savings account

PNC has been informed of 2 disputes in XX/XX/2020 during covid wherein my debit card was charged by XXXX ( {$30.00} ) and XXXX ( {$100.00} ) without authorization. The bank is unable to gather additional information from the companies causing the money to be fraudulently taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX  XXXX XXXX   XXXX {$1900.00} XXXX XXXX {$720.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> Creditor creating negative remarks of ( XXXX ) late payments on my credit report and not properly following Credit consumer laws 15 USC 1666 ( b ) and 15 USC 1637 they are not following proper practices of consumer laws
Product: Debt collection

Good morning. My name is XXXX XXXX XXXX, XXXX # XXXX. I represent XXXX and XXXX XXXX in the following situation : Earlier this year XXXX and XXXX 's mother, XXXX XXXX lived in XXXX XXXX Florida at XXXX XXXX XXXX, XXXX XXXX Florida, XXXX and passed away in XXXX. She has a mortgage on the home secured by XXXX Bank as the owner and SLS as the servicer. The home is now in foreclosure and just came out of probate as the 2 sons, XXXX and XXXX are the executors of the estate of XXXX XXXX, XXXX, they are NOT liable for her mortgage debt. To make things easier to get past this, the son 's have hired me to negotiate a short sale with the servicer, SLS and I am moving forward with that. Here is the problem. The foreclosing attorney, XXXX XXXX of XXXX XXXX XXXX, XXXX Fl, XXXX keeps sending XXXX, XXXX and even their spouses summons and filing for foreclosure to collect the unpaid mortgage on their DEACEASED mother 's home. The servicer, SLS has all of my representative paperwork stating that I now have a cash borrower and we can negotiate a short sale.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern and disappointment with your handling of my previous dispute regarding several inaccuracies on my credit report.