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

I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX  XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from EXPERIAN, XXXX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the FTC.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX XXXX XXXX {$11000.00} UNIVERSITY XXXX  XXXX XXXX  XXXX {$580.00} XXXX  XXXX UNIVERSITY XXXX  XXXX {$75.00} XXXX XXXX  UNIVERSITY XXXX  XXXX {$980.00} XXXX XXXX UNIVERSITY XXXX  XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} ATRIUM XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX  UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$130.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting

My name is XXXX XXXX XXXX XXXX. I been trying to solve an issue with dish network for the longest, i never had dish, my son XXXX XXXX XXXX had XXXX went the XXXX worker come to my house my son live in the garage He ( XXXX XXXX ) ask to install dish my son did n't have a credit card the dish work ask my son to ask me, to make a XXXX time payment, I said ok but that this is not my account the XXXX work said is ok the account would be my son XXXX he sign the contact, I explain this to XXXX, also the colletion XXXX. this company dosent want to hear it my son call then to tell XXXX that this account be longe to him to no avail, they sill would n't take this account off my credit I do n't know what else to do, please help me with this problem sincerely XXXX XXXX XXXX XXXX.
Product: Mortgage

My mortgage was purchased by PHH. It was determined that flood insurance was required on the property after a FEMA reclassification. PHH has continued to charge me for unnecessary flood insurance since the homeowners association obtained coverage in XX/XX/year>. I have uploaded, emailed, sent hard copies and pictures of this coverage with verification to PHH. Their customer service people have not been helpful after promising to fix this several times. They ignore my evidence and add fees each month. I suspect that I have been stonewalled and overbilled by more than {$1000.00} over the last 6 months
Product: Credit reporting or other personal consumer reports

hello I seen accounts I did not open plese help me remove account
Product: Credit reporting or other personal consumer reports

last month i walked into XXXX  XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XX/XX/2023 {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

These items XXXX XXXX Bank is reporting are inaccurate. Report states last payment was XXXX XXXX, but it was in XXXX. They report major delinquency was first reported in XXXX, but it was XXXX. Also amount owing wrong. They say {$390.00}, but account nearly paid off. I requested from them proof of the information they are reporting under the Fair Debt Collection and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian, a consumer reporting agency, for their continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to their failure to address my identity theft report and subsequent identity theft information block request. This complaint is in reference to my previous complaint filed with the CFPB on XX/XX/2023, which was received and opened on XX/XX/2023. The reference number for that complaint is XXXX On XX/XX/2023, I submitted an identity theft report to Experian, along with all necessary documentation, as required by law. This report was in accordance with 15 U.S. Code 1681c2, which mandates that a consumer reporting agency must block the reporting of information resulting from alleged identity theft within four business days of receiving appropriate proof of identity, an identity theft report, identification of the disputed information, and a statement by the consumer confirming the information 's inaccuracy. 

As of the current date, XX/XX/2023, it has been well over the four-day threshold, and Experian has failed to fulfill their legal obligation to block the disputed information from my consumer report. Furthermore, Experian has not provided any investigation details or indications on my consumer report that the alleged accounts are in dispute, as required by law. 

This prolonged delay and the lack of cooperation from Experian have caused me significant stress and mental strain. I firmly believe that Experian is taking advantage of my situation and violating my consumer rights. The FCRA was enacted by Congress to safeguard consumers from the actions of private companies that neglect their duties and responsibilities. Experian 's failure to comply with the FCRA has not only caused undue hardship but also undermines the very purpose of this legislation. 

I have raised multiple complaints regarding Experian 's conduct to the Consumer Financial Protection Bureau, and I implore you to take appropriate action against Experian for their blatant disregard of consumer rights and federal law. Experian 's actions, or lack thereof, have not only exposed their non-compliance but also demonstrated a lack of accountability for their role as a consumer reporting agency. 

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and holds Experian accountable for their actions. Immediate corrective measures are necessary to ensure that my consumer rights are protected, and that Experian fulfills its obligations under the FCRA without further delay. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift and appropriate action to rectify this situation and ensure that Experian adheres to the laws that govern its operations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXXXXXX XXXX + pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATIL OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF 7 MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with XXXX, XXXX, AND EQUIFAXXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of inquiries that are not authorized by me and a few other accounts that are not reporting correctly. There is a letter attached
Product: Checking or savings account

TD Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers and the issuance of a debit card to an unauthorized party. 

Administrative personnel from TD bank branches XXXX XXXX XXXX, Assistant Vice President, NMLS ID # XXXX and XXXX XXXX, Assistant Vice President, NMLS ID # XXXX have attempted to address my concerns after representatives requested for escalation. To this date, I am being prevented from accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has said that the department that should respond to this issues has remain irresponsive and refused to provide a resolution. 

I have been awaiting for a proper resolution and the mitigation of my losses for a period of a month and 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to XXXX and Experian for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
Product: Money transfer, virtual currency, or money service

Over {$2200.00} was " defrauded '' from my account when I received an phone call from an authorized Bank of America call XX/XX/2022. I was convinced by the CSA to move my assets to another account because I had received another authorized text from BOA that I was going to have a XXXX transfer of {$3500.00} that same night. I deleted that text and received another XX/XX/2022. I was duped, scammed, whatever you'd like to call it. I called the real Bank of America and got no results. As a matter of fact, I was denied so fast it was insulting. Then I received a phone call from their escalations department and was told that clients like myself had been getting " defrauded '' consistently. And BOA, could do nothing to stop it. They found where the money went and closed the account, allegedly. Some fictitious account that belonged to XXXX XXXX. Another bank that has been in hot water alongside BOA. I need help resolving this matter and want whoever was responsible held accountable.
Product: Credit reporting or other personal consumer reports

I tried to contact the company XXXX at the number ( XXXX ) XXXX it goes straight to a vm. I am unable to speak with anyone to let them know this is fraud.i called upon learning of this when experian notified me of a new credit update on XX/XX/year>. The amount is for XXXX when I called experian they stated it was for a personal loan. I have not taken out a personal loan and this business is in South Dakota.
Product: Debt or credit management

Consumer Complaint Statement Unauthorized Debit & Negligence I am filing this complaint against Credit Control LLC for processing an unauthorized electronic funds transfer despite my formal cancellation request, resulting in significant financial harm. 

On XX/XX/year>, I emailed the company to cancel a scheduled payment, following their own policy which states that if the money is there, we will pull it, but if its not, we wont. I intentionally left my account empty to prevent the withdrawal, assuming my cancellation would be honored. 

Despite this, the company proceeded to debit the account, causing it to overdraft. This triggered my bank to pull funds from my other connected accounts, leaving me with a negative balance. I also incurred overdraft and transfer fees as a direct result of this unauthorized action. 

Furthermore, the payment they withdrew was sent to a credit card account that had already been closed, making it impossible for the funds to be applied or retrieved. 

I have : A copy of the cancellation email I sent prior to the scheduled payment Email tracking that confirms the company read my message Bank statements showing the overdraft and linked account withdrawals Documentation showing the credit card account was closed at the time of payment After multiple attempts to resolve this matter, including a formal written demand for a refund and reimbursement, I have received no written response or resolution from the company. 

I am requesting the CFPB to : 1. Investigate this unauthorized transaction under the Electronic Fund Transfer Act ( Regulation E ) 2. Hold the company accountable for ignoring my cancellation request 3. Require a full refund of the debited amount and reimbursement for all overdraft and related fees 4. Ensure the company corrects its internal processes to prevent further consumer harm Thank you for your assistance. 

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

On XX/XX/year> i received an alert from XXXX XXXX, XXXX XXXX XXXXXXXX informing me that there's been a recent change to my credit report! To my knowledge i haven't applied for any new accounts. So i log onto each website concerned, to find these companies [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] have placed Hard inquiries without my permission, I do not know who these people are nor why they have appeared on my credit profile! This is very damaging and needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX   XXXX  nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
Product: Debt collection

EQUIFAX Report # XXXX XXXX XXXX XXXX XXXX XXXX, is listing A Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account ending in XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$160.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$360.00} Date Opened XX/XX/XXXX **Inquiries** XXXXXXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I have used the Chase remote " quick deposit '' feature several times and every time I use it my funds are not available for many days if not weeks. Recently, I made a deposit in my business account on XX/XX/2022, the funds are still not available as of XX/XX/2022. Chase is falsely advertising this feature. On its website it states : " Use XXXX XXXX  on the Chase XXXX app to deposit your checks and access your funds quickly. '' https : //www.chase.com/digital/mobile-deposits This is false advertising. I reached out to Chase to inquire as to what the problem is sending two messages on XX/XX/2022. I have not received a response to either message as of this date. I have had this problem in the past so it is not an isolated incident.