23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you with the utmost urgency and frustration regarding the presence of fraudulent accounts on my credit report. It has come to my attention that my financial standing is being wrongfully compromised due to these unauthorized entries, and I demand their aggressive and immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX - EQ have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you conduct an immediate, thorough investigation into this matter, and I demand the prompt deletion of these unauthorized entries from my credit report. This is not a mere request but a demand, and I expect you to treat it with the gravity it deserves. 

Failure to comply with this demand within [ 10 days ] will leave me with no choice but to escalate this matter through legal channels. I will not stand idly by while my financial reputation is marred by your failure to act promptly and decisively. 

I anticipate your urgent attention to this matter and require written confirmation of the removal of the fraudulent accounts within the stipulated timeframe. Your cooperation is not negotiable, and any further disregard for my rights will be met with immediate legal action. 

Time is of the essence, and I expect you to treat this matter with the urgency and severity it merits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX XXXX XXXX XXXX XXXX inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sensitive private information ( including SS number, DOB, name, and address ) was hacked due to Equifax 's insufficient measures taken to protect this information. I now must incur substantial fees and lost time to make sure my identity does not get stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Doing Credit repair, I contacted Trans Union to inquire and dispute the following on my credit report. 
XXXX XXXX : # : XXXX, listing 2 Delinquency, 1 dated for XX/XX/XXXX and XX/XX/XXXX. 
Trans Union stated they verified the account as accurate but haven't notified nor spoke with any one from XXXX XXXX for an actual verification. 
They have repeatedly failed to provide me with a copy of any viable evidence bearing my signature showing this account is being reported accurately. 
I stated any automated response or XXXX verification is unacceptable. 
Since the claiming they verified the account I requested the names and addresses of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Also, I'm challenging the reporting and compliance on my account with XXXX XXXX that's being reported on my credit report with incorrect/missing information. They're listing a partial account number and not reporting the entire account number, Trans Union is not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. By their improper procedure it's highly damaging to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Legal Department, RE : MY ACCOUNT Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If youll review your records I think that you will find your reported notations are not only invalid and incomplete, but both inaccurate and incorrect. 
The erroneous status of your credit reporting records and methods is/are unacceptable and is causing me hardship. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to this account : 1. A copy of the original credit application showing the terms of the agreement.

2. Original documentation used to compile a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted.

3. Copies of all original documents and financial instruments that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureaus above in concern.

4. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

5. Copies of all documents sent to me regarding this account.

This information and documentation is critical and time is of the essence. Within less than 15 days, I will be damaged partially because of the discrepancy of your reported records. The above noted code requires your response within fifteen ( 15 ) business days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to the above said bureaus in order to remove the negative notations and provide me with a letter indicating that the negative item ( s ) has/have been removed. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
Thank you in advance, Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I did not authorize to consent to nor benefit from the following account ( s ). Block and Remove.
Product: Debt collection

I have received a minimum of XXXX phone calls a day from this company for the past week. Yes I am a little behind on my car payment. They know my situation and they still call. At this point It is harassment and I am tired of it. There have been XXXX phone calls from them in the last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have an issue with my credit score report. Earlier, muly score was XXXX but because of wrong inquiry my credit score has been down to XXXX for last month. XXXX XXXX  put creditor on my credit score report even i am not customer of bell mobility. Actually there is pne girl whose name and birth date matches to me, she did not pay bill around {$470.00} which i can see on my credit report. Transunion mismatched our information with each other. I can see her addresses on my credit file and even her phone number too. But when i filed a dispute with transunion they said information reported correctly on my credit. When i called to transunion they said i need to call XXXX XXXX but when i called to XXXX XXXX they said i need to call transunion. Now, i am getting run around. Even this is not my fault. When i told to the agent you can check my last 2 years history that where i belongs to XXXX XXXX, he did not give me any response. They are not checking my history that i do not belong to XXXX XXXX in any case. She is a different girl who is not making payment for XXXX XXXX. I really hope you can help me with that. I will look forward to hearing from you. 
Thank you Have a good day.
Product: Debt collection

We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped.
Product: Checking or savings account

Simple Bank switched to BBVA on XX/XX/XXXX and I have not been able to access my account since then. Anytime I attempt to log in, I am directed to " forgot your password '' reset, once I've done the reset it directs me to call BBVA because my account is " locked ''. I have called twice and been on hold for more than an hour both times only to be disconnected and my call dropped.
Product: Debt collection

To whom it may concern, I became aware of a collections amount of {$520.00} from XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. The debt was for an electricity service used at address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have never lived or worked at this address. I also did not authorized my information to be used here. 

To dispute this debt, I first contacted the collection agency Convergent and made them aware this was due to identity theft. I was advised by Convergent to contact XXXX XXXX directly to resolve this issue. 

I called XXXX XXXX XX/XX/XXXX and was told by a representative that I needed to provide a police report and proof of residence during the time of when the service was used, which was between XX/XX/XXXX - XX/XX/XXXX. 

I filed a police report and compiled statements of rent and utility payments from my correct residence. I have lived at this address since XX/XX/XXXX. 

I was advised to email my police report number XXXX and rent and utility statements to XXXX with subject header " XXXX ''. This email was sent on XX/XX/XXXX at XXXX XXXX  XXXX. 

I did not receive response from my email, so i called to follow up several times and could not get ahold of a representative due to " high call volume ''. ( call log can be provided upon request ) I disputed the debt with XXXX on XX/XX/XXXX. An update was made on my XXXX account stating " the information you disputed have been verified as accurate ; however, information unrelated to your dispute has been updated. '' XXXX never contacted me for documents or more information to send XXXX XXXX to back up my dispute. 

When I checked the dispute regarding " information unrelated to your dispute has been updated '', I saw XXXX XXXX had marked the {$520.00} debt as " Account charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. '' Also the months that were charged off had been changed to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time I was using electricity services from XXXX XXXX XXXX. I do not understand why these charge off dates are different from the original debt between XXXX  XXXX-XXXX  XXXX  and would like this investigated as well. 

This has caused a great hardship in obtaining loans and housing for rental properties. I would like this dispute to be resolved as soon as possible so I can obtain housing for me and my family. 

Regards,
Product: Credit card

I had been problem with well Fargo Bank I 'm hearing impaired. First of all I walk in there and consumer talk to me about new open credit card but no interpreter there I did n't understand first thing how to use credit card to make pay that day so I have been frustrated with debit bills and they harrasement me mail and force me to make pay over XXXX I decide to file complain about well fargo bank
Product: Mortgage

Citibank hired a biased and incompetent appraiser with documented bias against minorities which is in the public domain. He submitted a malignant report to the financial institution to ensure the loan is not financed. There is a current appraisal from another lender to prove his bias. I have had several appraisals and brokers review the report of XXXX XXXX and they find it as professional malpractice, bias and unfair. I believe this is an attempt to prevent me, a minority, from getting financing that I deserve for my dream home, even though I have worked hard as an XXXX. Please see attached appraisals. Please investigate XXXX XXXX from XXXX XXXX XXXX and ensure Citibank is following the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the consumer reporting agencies I would like to see verified proof and to do a re-investigation on the accounts I have listed below. 

Accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX Also I have attached the letter I sent out and here is the Tracking numbers for each letter they received via certified mail : XXXX ( Experian ), XXXX ( XXXX ), XXXX ( XXXX ) According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies attached as well. 

Ive also on XX/XX/2022 send out a letter via certified mail ( attached as Last sent letter ) stating they didnt do a proper investigation on my accounts now they Shall delete the accounts listed. Heres the tracking for that letter : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Experian ). 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also stated that consumer reporting agencies can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received negative reporting from XXXX XXXX ( XXXX XXXX XXXX - XXXX, PA XXXX ) in XXXX XXXX.I contacted them on XX/XX/year>, and received email confirmation that the delinquency status was an error and should be removed. My credit reports for XXXX and Equifax were reflected correctly, however XXXX is still showing this account with a 30-day delinquency flag for XX/XX/year>. I need all three credit bureaus to reflect that these payments were made on time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

The lender has been provided sufficient documents for a decision to be made on the loss mitigation review - the docs provided give the lender more than enough information for them to complete the review, but they refuse to do so. the client has stated several times that due to the transfer of servicer 's that she can not obtain a mortgage statement on the property she lives in due to the new lender having to update there system- A new statement will be mailed to her on XXXX/XXXX/17, but the lender has been provided the statement the new lender has sent which shows the mortgage payment amount. - the lender also has a problem with the HOA statement provided because it is not from XXXX 2017, the statement is in fact from XXXX this. These are unreasonable request by the lender and they are not willing to complete the review.
Product: Checking or savings account

I went to use an ATM machine inside a store on XX/XX/19, trying to make a {$40.00} withdrawal. I personally inserted the card & entered the PIN for this transaction. I stood at that machine for at least 20 minutes, as the transaction just kept 'spinning. ' I finally got a message 'Unable to process your transaction. ' I took my card and went outside to a XXXX XXXX machine, where I successfully withdrew {$40.00}. Went back inside and made a {$40.00} cash purchase at the store. Later, when I arrived home, I logged into my online banking account at Bank Of America -- much to my surprise, I had not only been charged the {$40.00} at XXXX XXXX but also TWO transactions from the store 's machine : one for {$40.00}, one for {$80.00}, plus fees. I notified the fraud dept. at Bank Of America immediately that evening. The bank initially credited my account for both of the errant charges, for which I was not responsible. My card was frozen, and a new card mailed via Priority Mail.Then on XX/XX/19, I received a bank alert online that stated : " unable to pay. '' I called the bank, and they said they saw a video of the incident ( I have as well ) ; they stated that someone with me at the atm took out both of these unauthorized charges. My roommate was with me that day, shopping around inside the store -- and he can attest to the fact that no money was dispensed from that machine. The bank has apparently never heard of 'skimming ' at more obscure ATM machines, as zero money was dispensed to me or anyone else at the time of my transaction. The transactions were fraudulent, the money taken by someone who skimmed my PIN or otherwise manipulated the machine -- as my transaction never said it was canceled ( only unable to process ). I fax'ed a letter to Bank Of America XXXX XX/XX/19 detailing this, & asked them to re-open this claim. I saw in my message center that they had done so. That message has oddly disappreared. Bank Of America has persisted and now drafted the {$40.00} & {$80.00} back out of my acct on XX/XX/19.
Product: Mortgage

My mortgage switched to nationstar last XX/XX/XXXX from XXXX and now is Mr Cooper. They have my ledger incorrect. I have money missing, and theyre not post my mortgage payments as paid. Ive been trying to close on a refinance for months, as the my new bank is waiting for Mr Cooper to get my payment history corrected. Ive spoke to numerous people without  getting anywhere. Ive escalated it to a Manager, whom seemed to not care. He gave me his callback number, I called four times and left a message without a callback. My ledger is still not correct, and I have absolutely NO idea where they have been putting the money Ive paid them monthly. 

I have copies of personal items, I will share at a later date
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX XXXX XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX XXXX XXXX  Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.