23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After I bought my house, I remodeled it my self. I then built a big shed on my property ... .. all improvements have been done by me. My mortgage has been sold 3 times since I took it out. Now I have major hail damage, and want to fix it myself. The mortgage company tells me I have to hire a third party to do the repairs. They said the only way this works is I sign the check over to them, and they will determine who gets paid for doing repairs, and how much ... ... this company has a XXXX rating of XXXX and there are many complaints to them not paying bills in a timely fashion when submitted to them. I still hold the insurance check, what are my legal options?
Product: Credit reporting, credit repair services, or other personal consumer reports

ENOUGH IS ENOUGH NO MORE TAKING ADVANTAGE OF XXXX PEOPLE!! I AM EQUAL AND NOW I HAVE THE RESOURCES TO FIGHT BACK! XXXX PEOPLE ARE EDUCATED TOO!!! I am writing to express my deep concern regarding the violations of my rights under the Fair Credit Reporting Act by the consumer reporting agency in question. Specifically, the agency has included adverse information on my credit report in addition to furnishing inaccurate information to other consumer reporting agencies they have failed to REMOVE/DELETE accounts that were the result of identity theft, even after I made written request instructions to do so that emphasized that my request was not made in error and was not based on any material misrepresentation of fact on my part. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 I am hereby sending this notice to express my intent to sue for violation of the Fair Credit Reporting Act. I demand that the agency takes immediate steps to block and delete the inaccurate information from my credit report, and to remove the accounts that resulted from identity theft. Failure to do so will result in legal action, and I am entitled to statutory damages of up to {$1000.00} per violation.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

California XXXX XXXX - Account number # XXXX, has violated my rights. 

XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX XXXX  - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights U.S XXXX  Court - Account # ( Reference Number ) 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

An ACH originated by Axos was debited from my XXXX XXXX on XX/XX/2023 for $ XXXX. As a veteran banker, i am well aware that would be the date that the funds are received by Axos. Per Axos Ts and Cs, interest is earned once funds are received. I asked for 5 days of credit since they did not start accruing interest until XX/XX/2023. I received a reply after my last complaint that only addressed future accruals. When I asked for my 5 days of interest again, Axos sent me the exact email they had sent in reply to my original complaint. No resolution to the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX , XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit system for XXXX XXXX XXXX reported inaccurate/false information to all three credit bureau 's stating that I owed {$1200.00}. My first time hearing this was when I applied for an apartment. I left that residence in 2013 in excellent standing. I am in the process of losing my housing due to this fasle acquisition. I will no longer have affordable housing as a senior citizens if this is not corrected immediately time is of a essence I have 14 business days left to correct these false allegations and I also care for my XXXX XXXX child. When I contacted this company they stated they did not exist anymore and did not have any records stating that I owed them any monies or sums.
Product: Debt collection

Commenity bank representatives are calling me every hour between XXXX and XXXX from blocked phone numbers and leaving no messages. I asked them to stop contacting me in XXXX XXXX and they have since been calling from blocked numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

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

XXXX ; Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the DPT EDXXXX ; XXXX and XXXX XXXX  partial account numbers : 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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

A balance transfer was inadvertently mailed to citbank that should have gone to another bank. The bin on the card belongs to citi but the card is not serviced by them. I have called repeatedly to try and get he funds returned back to the issuing bank or to the customer to no avail. The check was mailed on XX/XX/XXXX in the amount of {$2400.00}. The check was cashed on XX/XX/XXXX. I have a copy of the cleared item. I can even tell you what account it was credited to. Every time I call we are advised that someone will look into the matter and follow up. We have emailed, faxed and called. I have been calling in since XX/XX/XXXX. Each time customer service refuses to escalate the situation. 
XX/XX/XXXX XXXX XXXX provided case number XXXX stating XXXX would contact me within XXXX bus hours. 

XX/XX/XXXX XXXX XXXX advised he would contact me with a supervisor after holding to XXXX the call dropped XX/XX/XXXX XXXX XXXX escalated call to XXXX who told me to keep faxing never provided any fax number before ending the call. 
A fax was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. Attention : XXXX XXXX I have also faxed the payment research numbers provided by customer service XXXX & XXXX. 
We have attempted to call XXXX and left voicemails at XXXX # XXXX. 
I have emailed XXXX. We have tried to resolve this payment issue. I just need the funds returned back to the sender.
Product: Debt collection

I sent a previous complaint through CFPB, Company stated they would mail information about the account that I have yet to receive. Company also stated that they own the debt. I have never done business with this company. They have not provided any information to prove I owe this debt nor have they shown they have the right to report the information to my credit. The company also stated account was from EXETER FINANCE, however EXTER FINANCE is reporting on my credit also.

Exter Finance is reporting multiple accounts
Product: Debt collection

I went to a dentist XXXX for a estimate to have my XXXX replaced that were missing XXXX. They realized it was XXXX and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a XXXX missing in a accident. A month later they billed me XXXX. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further harm. 
Accounts to Block and Delete 1. XXXX XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} 2. XXXX  XXXX Bankruptcy Reference Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Bankruptcy Reference Number : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. And its been well over 30 days and I have received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulentlyXXXX 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 I have no knowledge of any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a complaint about information being furnished on the consumers credit report. In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXXXXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In response to the complaint the CRA stated that ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. Trade : XXXX - XXXX SERVICE EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX EQUIFAX VERIFIED XXXX THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.. How were these accounts verified if I was never contacted during the investigation regarding the alleged debts.
Product: Credit card or prepaid card

I have been trying to remediate XXXX fraudulent credit card purchases for a Bank of America credit card ending in XXXX for over two years now. This credit card incurred XXXX charges for a subscription service named XXXX  - these transactions were not authorized and I have written proof of this in the shape of an acknowledgement by the vendor. I have repeatedly provided this information to the charge-off department at Bank of America XXXX the fraud department at Bank of America XXXX and the customer relations department at Bank of America XXXX A previous claim I submitted in XXXX resulted in an XXXX merely confirming that Bank of America 's reporting matched that of the credit bureau 's instead of actually investigating the issue - that unauthorized transactions resulted in a dormant credit card going delinquent unbeknownst to me. Bank of America has repeatedly, over and over and over refused to hear me, refused to consider the fraudulent nature of these transactions, and maintained that after 15 years of never being late with a payment, that I should be marked with broad financial consequences over {$30.00} in charges I never authorized. I have little hope this will resolve anything - like I said the last time my concerns were not even addressed and I wonder what the point of the CFPB even is if not to help the little guy suffering at the hands of a financial titan. I have a credit score over XXXX, no delinquencies other than this fraudulent claim by Bank of America and because of it I cant even get a car loan. I would like to add that I believe I am being unfairly targeted by a supervisor in the Bank of America charge off department - she has repeatedly said that she will categorically deny any claim to resolve this irregardless of what additional information I provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed chapter XXXX bk XX/XX/XXXX and have a charged off discover card balance on my credit report as of XX/XX/XXXXprior to my bk XXXX filing i have sent XXXX  proof of bk XXXX filing numerous times and they and discover refuse to remove from credit report when XXXX  and XXXX  have removed the debt without question
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605 B THAT YOU THE TRANSUNION CREDIT REPORTING AGENCY BLOCK INFORMATION THAT IS APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF ID THEFT. [ ASK THAT YOU BLOCK THE FRAUDULENT INFORMATION WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSISTS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE FRAUDULENT OPENED ACCOUNTS HAS RESULTED IN SEVERAL COLLECTIONS APPEARING ON MY FICO CONSUMER CREDIT REPORT.
Product: Credit card

Subject : Formal Complaint Against Wells Fargo for Unresolved Fraudulent Transactions Dear cfpb, I am writing to file a formal complaint against Wells Fargo regarding unauthorized transactions that occurred on my credit card and checking account. Despite my initial efforts to open a claim, the resolution process has been challenging due to an unfortunate misunderstanding during my state of confusion. 

I observed several charges on my credit card and checking account that were undoubtedly fraudulent. Regrettably, in my overwhelmed state, I mistakenly flagged some of these charges as authorized during the initial claim process. Unfortunately, Wells Fargo is now refusing to re-open the claim. 

I strongly believe that Wells Fargo should have exercised due diligence by inquiring about all questionable charges, not just the ones initially submitted. The perpetrator used unauthorized means to access my bank accounts, transferring funds from my credit card and checking account into a brokerage account. Subsequently, the funds were withdrawn using XXXX. 

Since then, I have taken proactive measures to enhance my security. I purchased a new phone, changed my passwords, and implemented XXXX authentication. Consequently, there has been XXXX fraudulent activity on my accounts. 

I strongly believe that Wells Fargo 's reluctance to reopen the claim and address the full extent of the fraudulent transactions is incredibly and unfathomably unjust. 

Enclosed with this letter, you will find supporting documentation, including : A detailed list of unauthorized transactions that equal around {$9000.00} I appreciate the cfpb 's commitment to consumer protection and trust that a fair and impartial investigation will be conducted. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt v Graves ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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 a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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 a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.