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

This is my second 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXX/XX/XXXX, CA XXXX XXXX PA XXXX XXXX XXXX Balance : {$21000.00} ; XX/XX/XXXXXXXX Balance : {$8300.00} ;XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$2600.00} ; XX/XX/XXXX XXXX Balance : {$160.00} ;XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear TRANS UNION LLC I am writing to formally dispute the following inaccurate information on my credit report. The items listed below are incorrect and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The disputed items are as follows : - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, the following sections have been violated : XXXX. XXXX15 U.S.C 1681 Section 602*XXXX : This section states that I have the right to privacy. The inclusion of the above-mentioned items on my credit report is a direct violation of my privacy rights. 

XXXX. XXXX15 U.S.C 1681 Section 604 ( a ) ( XXXX ) ** : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written instructions for the reporting of these items. 

XXXX. XXXX15 U.S.C 1666bXXXX : Under this section, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. The late payments listed on my report are therefore incorrect and should be removed immediately. 

Thank you for your time and cooperation. 

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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX jeep compass through XXXX used cars in XXXX XXXX XXXX  with XXXX co signed. We were told it would be through XXXX XXXX then when we get the bill its ally finance. The interest is 15 % {$640.00} car payments for a car that is always in the shop was supposed to be first on the loan with her as the co sign but its the opposite. The vehicle is a lemon has been in the shop XXXX times for the same electric use with the start stop engine. The XXXX promised assistance to help get me out the vehicle and into something better but doesnt answer or return messages from me nor does XXXX XXXX Please advise or assist if possible.
Product: Mortgage

i was approved for a line of credit with navey federal but for some reason it was revoced
Product: Payday loan, title loan, or personal loan

i have a vehicle financed by XXXX XXXX XXXX. I am receiving several phone calls from them on a daily basis every time I am late on my payment. Even the day payment is due including Saturday 's and Sunday 's starting as early as XXXX est up until XXXX. I advised them that my payment will there a few days after the due date and they still call me several times in a day. I asked if I can get my due date changed to coincide with my pay date and was advised that they could not change the date. did not give me a reason.
Product: Checking or savings account

I withdrew {$600.00} ( XXXX $ XXXX ) on XX/XX/2021 from my Citibank checking account at a Citibank ATM  located in a Citibank branch at XXXX XXXX XXXX XXXX in XXXX, California. I then deposited that same {$600.00} back into that same ATM machine in order to pay a {$560.00} balance that I had due on a Citibank credit card. I have done this before many times and never had a problem. 

When I attempted to deposit the {$600.00}, however, the ATM took the {$600.00}, but then immediately put up an error message saying that it had experience a technical problem and could process the credit card payment and also could not return my {$600.00}. It gave me a receipt showing an error and told me to call a XXXX number. 

I understand that ATMs sometimes malfunction. I had assumed that if I notified Citibank and had them open up the ATM machine, they would find my XXXX $ XXXX. I initiated a dispute with Citibank and asked them to investigate. I offered multiple times to provide them the receipts that the ATM had provided showing an error message. They declined saying it wasn't necessary. 

Citibank contacted me today stating that they had concluded their investigation and not found any evidence of the {$600.00} I put in. This is clearly incorrect. I can easily make {$600.00} at my job with less time and effort so I'm not running a scam here to defraud Citibank of {$600.00}. At the same time, I am obviously not about to let Citibank simply keep my {$600.00}. I have asked them to investigate again and, after demanding it, did get them to agree to let me fax them a copy of the ATM receipt showing an error message. However, at this point, I have no confidence at all in Citibank 's ability to investigate this matter. 

I can certainly sue Citibank, but I'm wondering if there is anything the CFPB can do to assist. Thanks. 

I am attaching the two receipts the ATM machine spit out at me when it malfunctioned. The first shows that it had encountered an error. The second receipt shows that I was indeed trying to pay a credit card balance of {$560.00}.
Product: Money transfer, virtual currency, or money service

California EDD transferred approximately XXXX dollars into a Bank of America EDD account this week of XXXX, 2020. Everyone has to use Bank of America EDD account when applying for EDD benefits in California. I tried to transfer the money out, but could not transfer all of it. I called and the representative today ( XX/XX/2020 ) and was told there's a limit of XXXX a week. I was transferred 3 times to higher levels of support. The manager said there was a form to fill out and transfer all of my money out at once, but he couldn't find it at this time. He recommended that I just do it weekly. Due to fear of money sitting in an account that I do not trust and scammers has been targeting EDD accounts more frequently due to the pandemics, I really would like to get this money out. There's also bills and other needs for this money very soon. I tried calling back again to a 4th representative which told me that there is no such override to the {$5000.00} a week limit. I would have to go to a physical bank location and withdraw the money, then deposit it back into whichever account I would like. I also asked him what If I am not close to a physical location and need this money now for my needs? His respond was there was nothing anyone can do besides either waiting to transfer {$5000.00} a week or go to a physical location. It is quite unacceptable in this age for such a large organization to hold onto consumer 's money with limited options on how to get it out and each person was providing a different process not consistent with each other. It was not like I had a choice from EDD to whether to use Bank of America or not. It feels like I am at the mercy of this Bank adding further burdens to the tough times that most folks are already experiencing during this Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

One more and last attempt before I will be forced to sue Transunion. So, in my credit report there is a collection agency by the name of XXXXXXXX XXXX XXXX who are trying to collect a debt from me for renting an apartment in XXXX at an address where I have never lived and never rented. As evidence, the collection agency only has a handwritten contract without a SSN or some kind of ID they has only some immigration form ( all this evidence has no legal force, which was confirmed by the Arizona XXXX Attorney ). All credit bureaus have deleted and blocked this entry, since the collection agency can not legally confirm this debt, only Transunion for some reason was able to verify this debt, although before that it had deleted it three times citing the impossibility of confirming it. So, this is the last attempt that I am giving Transunion to remove a knowingly false entry in my credit report, the collection agency has no evidence that this debt belongs to me!
Product: Credit reporting or other personal consumer reports

XXXX, a Financial Technology platform  has hundreds of consumer complaints and negative reviews over four-year periods. XXXX XXXX XXXX XXXX has been allowed to operate with no federal oversight. My personal information has been used without my permission in XX/XX/XXXX. Formal written complaints had previously been filed with the CFPB, FTC, and DFPI. In addition, the responses I received from the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, intending for the State Attorney General 's Office in their state to also be contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary stalling in correcting inaccuracies in consumers ' credit files. The CRAs have served no purpose in diligently taking appropriate action against predatory financial services platforms that hide behind their algorithms taking advantage of consumers except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by XXXX and DO NOT belong to me : XXXX XXXX XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The account numbers are XXXX / XXXX. 
As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so, therefore, that must mean they agree with me that this debt is false. I will use the Estoppel in my defense. XXXX executive management has been copied on all my complaints to the federal agencies and have completely ignored and blocked my email correspondences demanding they take immediate action to delete these negative, unauthorized accounts from ALL 3 Credit Reporting Agencies ( CRAs ) within 15 business days or I would commence a Federal lawsuit against XXXX in the Federal Court system and report this to the CFPB and the FTC for enforcement. The Federal Bureau of Investigation has been copied on this email so they are aware of the seriousness of the FCRA and XXXX violations of XXXXXXXX XXXX poor history in protecting consumers ' identities, and opening accounts resulting in inaccurate and erroneous reporting. The CFPB has done nothing but compound the problem by not escalating these complaints to the Criminal Division for enforcement.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing. 

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history. 
Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received my supplemental tax bills in XX/XX/XXXX, and immediately sent them to AmeriHome for payment. They had not collected enough ( {$400.00} short approx. ) so they mailed me a check from my escrow account and I paid the taxes myself, adding the remaining funds. The supplemental tax bills provided in XXXX called for 2nd payments to be made in XX/XX/XXXX. In XX/XX/XXXX, Amerihome raised my monthly payment by {$100.00} to help cover the gap in the escrow account. In XX/XX/XXXX, I received two notices of penalties for non-payment of supplemental taxes, amounting to almost {$400.00} in penalties and fees. I forwarded these to Amerihome and reminded them that they had my bills to pay for 7-8 months. They did nothing. I called and they told me : we do not pay supplemental taxes. I asked why they would collect {$14000.00} per year for {$1200.00} in standard property taxes, and why they raised my monthly payments to specifically cover supplemental taxes? They finally admitted that they DO pay supplemental taxes, and proceeded to do so, however they used my escrow money to pay the {$400.00} in fines!! I called to get a refund, they told me " we do not pay supplemental taxes ''. After another argument, they agreed that they do, but they refuse to reimburse for the penalties which THEY caused. This is called : fraud. For the record, Amerihome ALSO FAILED to pay to renew my homeowners ' insurance, required by law!! They let it lapse for an entire month while at the same time sending me letters demanding I obtain coverage! My insurance company contacted them 3 times to no avail, until I called and yelled at them to pay it or I would sue them. They finally paid it, but I had no coverage for a month. Amerihome is asleep at the wheel - for a company responsible for my mortgage, I have ZERO confidence that they know what they are doing. They have cost me money, put my home at risk, and refuse to take any responsibility. Please help, this is my first home and all I have experienced is XXXX and being ripped off by Amerihome.
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 ACCOUNTS 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 ACCOUNTS. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Account was frozen around XX/XX/2023. I was called by fraudulent dept. telling me that my debit card was used in Georgia. I never been to Georgia in my life. I needed to pay rent with the money in my checking account and I couldnt because Wells Fargo froze my account. Which caused a financial hardship because I was charged late fees for my rent and Wells Fargo refused to release my funds until the XXXX of XXXX Wells Fargo didnt care about the late fees accruing from my rent and told me that I am responsible for the late fees that were accumulated. This is not good customer service or good business practice. I should be compensated for my hardship that was caused by XXXX XXXX negligence to release my funds and still investigate what happened.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I went to Western Union Agency located at XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX to make a international money transfer of {$96.00} to XXXX XXXX. The problem was that receiver person identification was expired and could not collect the money ... So contacted Western Union costumer service. They alway put me excuses that they're investigating the case, I never received any refoud yet, please help me I need my money back. 

CFPB # XXXX I reported by phone
Product: Debt collection

The company has failed to provide proof that an account has ever existed between me and them. Because I have never had an account with them. I did a dispute with them directly and requested information on this debt that they have on my credit. I also did a dispute through XXXX XXXX which should have been concluded XX/XX/2024. The company will not respond and this debt is still on my credit. This falsely manufactured account is affecting my life and it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card error the card is reported as a closed account i have been disputing the status since  XXXX  and contacted the card co. As well as all  XXXX  credit bureaus and still can not get Equifax to correct the status of the account the account is  XXXX   XXXX    XXXX   an Open account and paid on time and its being reported as closed with no payment since  XXXX  please help
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX. XXXX, VA XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.