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

I am writing to you once again to address the ongoing issue of fraudulent items on my accounts. Despite numerous attempts to rectify this matter, the fraudulent items remain unresolved, causing continued frustration and concern. 

This marks the fifteenth round of complaints I have lodged regarding these fraudulent items. Each time, I have provided detailed documentation and evidence to support my case, yet there has been no meaningful progress towards their removal. 

I demand urgent action to remove these fraudulent items from my records/accounts. I expect a thorough investigation into the origin of these items and a transparent process for their removal. Additionally, I insist on compensation for the distress and inconvenience caused by the prolonged existence of these fraudulent entries. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reporting the account status inaccurate these accounts below are paid! Equifax, XXXX, are in violation for not reporting the account status as PAID. 
please update this account or delete it from my credit report XXXX XXXX - XXXX REPORTING ACCOUNT STATUS AS DROGATORY AND ACCOUNT HAS BEEN PAID XXXX XXXX XXXX - EQUIFAX REPORTING ACCOUNT STATUS AS DEROTORY AND ACCOUNT HAS BEEN PAID XXXX XXXX XXXX EQUIFAX REPORTING ACCOUNT STATUS AS DEROTORGY AND ACCOUNT HAS BEEN PAID
Product: Debt collection

My wife and I both contacted the property manager as well as the collection agency to request a copy of the original lease and debt. Both parties have failed to provide the necessary information to remove from our credit reports. I was evicted during COVID, and such the landlord received funds from the XXXX fund in excess of XXXX XXXX. then evicted for nonpayment. I would like recover some of the funds as I ended up homeless.
Product: Mortgage

my mortgage is own by Ocwen, i call and ask them to refinance my mortgage thru the HARP program they said that they can not do that, but can restructure my loan and that my payments would be {$440.00} for a trial period of 3 months, they said my payments would be about that after the trial period .they send me some papers to get noterise which i did the next phone call i receive from Ocwen was that they drop me from the program, they also told me that i would not have to pay XXXX month mortgage, then i received a next call that i owe 2 months of mortgage XXXX and XXXX of 2015 in the amount of {$1900.00} dollars, I ask them what happen to the payments that I was making every month they said they applied it to my mortgage. I call them and they said my escrow was short fall, i ask why wasnt i notify by Ocwen ar my ins.co or the city of XXXX they could not answer my question they told me i need to send them {$450.00} for the escrow short fall which i did and it clecr my bank account, all these transaction are being done by different associate at Ocwen, i was told to pay {$590.00} for the month of XXXX mortgage which i did and the cheque clear my account now i was told onXXXX/XXXX/15 to send a cheque for {$1400.00} for the months XXXX and XXXX, all i am doing is sending chequs to Ocwen and they are clearing my account a i getting no help from them i was told they have bad business wrateings with alot of their customers, my credit score are low because they report me to the credit bereaus. I WOULD LIKE SOMEONE YOUR OFFICE / AGENCY TO LOOK INTO OCWEN WAYS OF DOING BUSINESS WITH THEIR CLIENTS. THANKING YOU IN ADVANCE OF ANY HELP RENDER TO MYSELF AND OTHER CLIENTS.
Product: Credit card or prepaid card

My credit card information was stolen while traveling in XXXX XXXX, Mexico. I called Barclay to notify them that my card information was stolen from my Barclay XXXX  XXXX Mastercard. I notified them of all the specific charges I disputed. I spent several hours with them on the phone over XXXX separate occasions. They initially informed me that my fraud dispute was denied and that I first had to attempt to dispute the charge with the merchant. However, the business in question is not a merchant but a chip payment processor in XXXX called XXXX, which is similar to XXXX in the Unite States. I contacted XXXX to dispute charges but they ignored me. I called Barclay again and they said fraud department was investigating and they could not provide me any other information. I called once more and they said the same thing. It became clear that I was just being given the run around and nothing was being done by Barclay. It has been several months and I have not received a further response. 

The main charges in question are as follows : XX/XX/21 XXXX  XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

WENT TO HOME DEPOT ON ABOUT XX/XX/2019 AND TRY MAKE PURCHASE THAT WERE DECLINE..COMPANY VIOLATED " FCBA AND Truth IN LENDING ACT WITH FAILURE TO SEND NOTICE THAT CREDIT LIMIT HAS BEEN REDUCE FROM $ XXXX TO $ XXXX WITHOUT ANY CAUSE..THIS HAS CAUSED SERIOUS HARDSHIP WITH ACCOUNT USED TO HELP DISABLE VET TO REPAIR HOME..AND IT HAS CAUSED MY CREDIT SCORE/ DEBT RATIO TO DROP SIGNIFICANTLY, I HAVE BEEN A LOYAL CUSTOMER FOR OVER 15YRS AND NEVER MISSED ANY PAYMENT AND ACCOUNT ALWAYS BEEN UNDER 30 % USAGE AND ACCOUNT CURRENTLY SHOW MAX OUT LIMIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed 6 credit inquiries that I find to be problematic please remove the unauthorized credit inquiries XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS COMMITTING FRAUD BY REPORTING THIER INCOME ON MY CREDIT REPORT. THEY FILED IT ON A XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I receive a letter dated XX/XX/2020 XXXX XXXX XXXX XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at XXXX XXXX has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX I sent letters to Credit Acceptance about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Wells Fargo XXXX XXXX Credit Card. I am a customer of the bank for over five years and am in good standing and got a credit score in the top 20 % of the population. 

On XX/XX/XXXX, Wells Fargo closed the account, without notifying me. I eventually found out on the customer portal of Wells Fargo and subsequently filed a complained with CFPB on XX/XX/XXXX. ( CFPB Case # XXXX ). On XX/XX/XXXX XXXX or XXXX XXXX XXXX answered to parts of my complaint on behalf of Wells Fargo thru the CFPB. While many questions remained unanswered, according to Wells Fargo the account was closed " by our Fraud Department due to a possible fraudulent application being submitted. '' It was suggested by Wells Fargo, that I should submit a new application by either of the following three options : 1. You may go online at wellsfargo.com website. 
2. You may apply by phone at XXXX. Agents are available to assist you Monday- Sunday, XXXXXXXX XXXX XXXX XXXX ( XXXX ), ET. 
3. You may apply at your local Wells Fargo Branch, when you are back in the United States. 

On XX/XX/XXXX I did as suggested and opted for ( 1 ) above ( Application # XXXX ). This time the credit was not auto approved. Today, I received a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX in which Wells Fargo informs me, that my application after " careful review '' was denied. The resaon given for the denial was : " This is a duplicate application ; you have already responded to this credit offer '' I am sorry, but this is totally absurd! It was Wells Fargo which cancelled the previous account without ever explaining, why a fraud was suspected or why they would n't inform me of such suspicion. It was Wells Fargo who suggested I should apply again, as the old account could not be reopened. What did I do wrong? What has changed, that I was initially approved and am now rejected?
Product: Credit card

XX/XX/XXXX l got an email for a cancelled flight to XXXX scheduled for Monday XX/XX/XXXX due to XXXX XXXX. The same day l called the XXXX ( whom l set up trip through ) to inquire how do I get my money back for trip. The claimed they could do nothing but said l could contact the airlines and resort. I contacted XXXX XXXX resort on XX/XX/XXXX and they informed me that they have a no refund policy and l would need to contact the resort on scheduled day of arrival ( XX/XX/XXXX ) to reschedule. On XX/XX/XXXX l tried to contact resort to no avail ( storm XXXX was in effect ). l contacted Bank of America ( BofA ) and on XX/XX/XXXX they issued me a conditional credit of XXXX for the resort dispute. On XX/XX/XXXX BofA sent me a letter denying my claim based on information from XXXX XXXX resort that they already refunded me cash or credit on XX/XX/XXXX. XX/XX/XXXX l informed BofA l had nothing from the resort. That same day l contacted the resort and they informed me that they had not sent me anything to date but did agree to send a voucher out that same day. I do have the email from resort dated XX/XX/XXXX stating that they did not send out voucher as they had informed BofA in which BofA used this information to base their denial of my claim. Due to the integrity of both parties l am requesting a refund XXXX XXXX XXXX XXXX XXXX : XXXX To : XXXX XXXX Tue XXXX XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX, We do take this opportunity to wish you a wonderful week and once again we would like to extend our apologies for the delay in sending this voucher over to you. 

Further to your telephone conversations with the team, I have attached the updated voucher for a future stay which is valid until XX/XX/XXXX. 

Please reach out to us directly when you are ready to redeem your voucher and or if you have any questions. 

We look forward to welcoming you to the XXXX XXXX XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX | Reservations Agent | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reservations : XXXX ( Local ) : XXXX ( XXXX XXXX XXXX XXXX XXXX | XXXX ( Toll Free ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX out our video XXXX XXXX XXXX
Product: Checking or savings account

I have a joint account with family friend. His balance was XXXX for months. He deposit a cash in the ATM machine for {$19000.00} on XXXX XXXX. On XX/XX/XXXX. XXXX, he walks into the bank asking for a withdrawal. The teller tells him he can only get {$8000.00}. He received that and walks out the bank. I get a call the same day saying what occurred earlier.I asked why didn't you contacted me before you gave him the funds. She said his name was on the account. It turned out the check bounced and was stolen. I'm confused because the same way they called me hours later to ell me what happened, they could have called me before they gave him the money. Anyway, I spoke to the person who did this and he said the people who convinced him to do this told him they know someone who worked in the bank..He has text message about this entire situation. I have partial text messages but he showed me in his messages the person said, " we know someone in the bank '' ..... Prior, to this happening, I went into the bank asking them to remove this person off my account and they never did.Now, they are telling me I'm liable for the bounce check of {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.6
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

US Bank will XXXX on XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. I am on the title and deed. 

On XX/XX/year>, I spoke with XXXX ( US Bank ) and they have my contact information on file. 

XXXXXXXXUS Bank sent a check in the mail made out to XXXX XXXX, in XXXX XXXX of {$3000.00}. They sent this check to my address, after having cashed my check from my XXXX account for {$3000.00} to cover XXXX XXXX XXXX  mortgage debt. 

US Bank wrote that they are in the process of XXXX  on our house ( above ) for non payment of the mortgage loan by XXXX XXXX. 

US BankXXXX gave no explanation over the phone of the refund to XXXX XXXX XXXX They stated that they were " investigating '' why a check was sent to XXXX XXXX. 

US Bank stated that XXXX XXXX " may have a second mortgage ''. 

The mortgage on XXXX XXXX XXXX is in his name, not mine, the confirmed. 

XXXX XXXX must sign a quit claim deed or there are " not a lot of options '', they stated. 

The mortgage is not in my name. I am a third party. 

Please advise on whether US Bank can XXXX  on the house above and please advise the court of XXXX of this issue, as I have not been given the opportunity to defend myself in court in order to save the house from XXXX. 

Contact information is as follows : XXXX. XXXX XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts have been paid, they are affecting my credit and should be removed.
Product: Credit reporting or other personal consumer reports

It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they delete the alleged late payments on my report. Under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, and Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment last month because of wrongful info reported by Checkr background investigation
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XX/XX/XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Debt collection

I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Product: Debt collection

A leasing company in XXXX Colorado forced me to sign in to a visitorlease that only lasted a month and all visitors were supposed to fill it out. While visiting a friend at his apartment complex. When I signed the paperwork so I could park my vehicle at the property without it being towed away. Come to find out the paperwork they MADE me sign was attaching me to the actual lease and now are charging me for 4 months of a lease. I was there for a week.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


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

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submitting the necessary documentation and evidence to support my dispute, Equifax has consistently responded within 24 hours, stating that the account is accurate without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of disputed information. Additionally, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. 

XXXXXXXX XXXX XXXX, Equifax Account # XXXX Equifaxs failure to adhere to federal guidelines has negatively impacted my creditworthiness and hindered my ability to obtain credit opportunities. I urge the CFPB to take appropriate action to ensure Equifax complies with federal laws and provides consumers with the required proof of a thorough investigation. 

Thank you for your attention to this matter. I look forward to your prompt response.