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

I am writing to formally contest the inclusion of fraudulent account in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Transunion report. After uncovering this fraudulent account, I contacted the relevant bank, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. 

I am puzzled as to why Transunion continues to report this fraudulent account, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into this matter and the immediate removal of this fraudulent accounts from my Transunion credit report. The bank has confirmed the fraudulent nature of this account, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am the victim of identity theft. My Social Security number and information was used to fraudulently open up a XXXX wireless cell phone contract. I have previously disputed the fraudulent collection account with Experian. I also filed a police report and a Federal Trade Commission identity, theft affidavit. The fraudulent collection with XXXX XXXX is still on my Experian account. Collection account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> social security number XXXX XXXX XXXX I also reached out to XXXX XXXX corporate relations letting them know about the fraud as well
Product: Debt collection

I paid this account off on XX/XX/2018 paid and Full with Convergent outsourcing via XXXX Convergent gave me a settlement of {$62.00} out of the {$200.00} that was originally owned I paid it into two installments {$12.00} on XX/XX/18 & {$50.00} on XX/XX/2018 I gotten two emails from XXXX showing proof that they got the money Also conformation Number that is was paid I called XXXX on XX/XX/2018 An agent called convergent to verify that it was indeed paid I requested it to be removed off of my credit report And theyre still say I owe and its paid
Product: Credit card or prepaid card

discover has failed to provide me with the proper documentation to validate and verify this alleged debt a copy of the agreement and full disclosure that meets the requirements under federal statute. violation fair credit reporting act, truth in lending and fair debt collection practice act DISCOVER has violated the FCRA 15 USC 1681a ( 2 ) ( i ) - reporting information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 BILLING ERRORS 15 USC 1666d ( a ) ( 1 ) - 15 usc 1692g ( a )
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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 PLEASE REMOVE THE INMEDIATY THIS HARD INQUIRIES
Product: Debt collection

I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

Account name : XXXX Account # : XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX Account # : XXXX Company : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number:XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

BarclaysUSCard XXXX XXXX This card was used to put a substantial payment to XXXX XXXX XXXX if XXXX on XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX and this was a possibility to try to repair XXXX parts of my XXXX. Besides the fact that it didnt work, the treatment triggered my XXXX XXXX which Ive XXXX with since XXXX. It is XXXX XXXX  and because its so rare, the XXXX XXXX XXXX XXXX puts me in the incorrect best practice guidelines, codes it wrong in the XXXX, and then proceeds to make it worse. I was XXXX  from XXXX XXXX XX/XX/XXXX with massive XXXX  mistakes. My payments were falling behind because of my severe XXXX XXXX By XXXX I was trying to get back at work for the paycheck, called the credit card company for help and assustance. On the due date XX/XX/XXXX, I called and spoke to a representative XXXX ID # XXXX. I told her I did NOT want to close the account but needed help figuring out how to take care of this. She obviously did NOT know her job as she had to get off the line over and over and over. XXXX steered me in the direction she said would NOT close the account, TOOK a payment, and I thought we were on the way to a better place. Instead. The account was closed and I didnt even know and the scheduled payment was taken and the next XXXX  paid also. When I logged in to the account in XXXX is when I learned it was closed. I went back into XXXX  in XXXX on XXXX XXXX XXXX, XXXX for my XXXX XXXX  trying to connect with XXXX XXXX of times. 

I have called XXXX of times asking for the call to be pulled, asking for email communication ( I am a XXXX XXXX XXXX, I am in XXXX, we can not take calls, and they wont call my XXXX number ). 
Here is the list of calls, dates, names, ID # XXXX  XXXX, XXXX XXXX # XXXX Payment Confirmation # : XXXX XXXX XXXX found out account was closed. 
XX/XX/XXXX XXXX # XXXX XX/XX/XXXX asked for XXXX XXXX XXXX # would NOT give it said she was a supervisor XX/XX/XXXX XXXX # XXXX  asked for XXXX. This one hung up on me. 
XXXX XXXX XXXX  ( cant find dates ) XXXX # XXXX XXXX # XXXX not give it XXXX # XXXX me that NONE of the communication had any mention of XXXX, her ID, dates, or request to pull the call. 
XXXX XXXX XXXX # XXXX put me back in the XXXX wouldnt answer questions then : XXXX # XXXX inappropriate conversation with me then : XXXX # would not give. This one refused yo give ID, provide escalation, file a complaint. Refused to help entirely. 
XXXX XXXX XXXX, XXXX. In XXXX XXXX for XXXX XXXX, then discharged so I try to save my career and job, then XX/XX/XXXX XXXX # XXXX Hung up on me. 

I need help. The XXXX XXXX XXXX more than likely will need to refund that huge charge. That is NOT going to happen with this account closed. It was closed against my clear, distinct choice and effort. I need this account reopened and this company to admit the error of one of their representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had any contracts with XXXX nor XXXX XXXX  and clarity service, Experian and XXXX  continuously reports these account which are had by identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!
Product: Debt collection

Douglas & Knight representing XXXX XXXX XXXX have tried to collect a debt. They have been completely un willing to cooperate. A Payment plan has repeatedly been submitted. They have not responded. Refuse to respond.
Product: Credit card or prepaid card

American Express Hilton Honors New Card : Applied to a solicited offer made by American Express Company on their website that would give XXXX miles if the cardholder spend {$1000.00} within the first 90 days. 

We made promotional spending amount but did not see the XXXX miles credited to our Hilton Honors account. We called American Express to enquire and were told by the American Express employees ( XXXX and XXXX XXXX that I did not qualify for : 1. First rationale : Bad credit history. When I shared that my XXXX score is XXXX out of XXXX they changed storyline. Changed storyline to second rationale after I shared my XXXX scores looking at the XXXX XXXX for the last 6 months. 
2. Second rationale : American Express communicated that they will not offer the promotion to me based on my credit history and I still accepted the credit card. I did not receive communication of this when our cards were sent in the email. I would love to see the letter sent via regular mail. 

It is truly Unimaginable that American Express is now engaged in scamming customers.
Product: Debt collection

Williams & Fudge has been trying to contact me since XX/XX/2022. I have received repeated calls per day on some days, and they have contacted my relatives, including my father, sister, and stepfather.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft. 
I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I combined a home mortgage and a heloc and refinanced with my existing lender Citizens-CCO Mortgage. Closing was Tues XXXX XXXX, 2015. I was told many times that no XXXX XXXX mortgage payment would be needed. 6 days later, on Monday XXXX XXXX, an auto-pay for {$2400.00} was deducted from my checking acct, and applied to the closed loan. The unexpected payment made my checking acct overdraft by {$640.00}. The Loan Officer admitted his error ( that he never cancelled the auto-pay ), and he put in writing that I was due the principle and interest refund. He also said escrows from the closed loan would be refunded in 2-3 wks. On XXXX XXXX, {$2400.00} was wired to my checking acct. ( {$2400.00} is the total of all escrow money held in the closed loan ). The Loan Officer then stopped returning my calls and emails because he focuses on loans, not closings. In XXXX I had 3 meetings with Citizens Managers trying to get my principle and interest returned, but they said no money was owed. The Title Company Manager told me that this problem is common with Citizens-CCO, and that other closings that occurred at the end of the month resulted in customers who were trying to get their " extra payment '' returned too. Then in XX/XX/XXXX the local Citizens people sent my issue up to the Office of the Chairman ( OOTC ) of Citizens Bank. Then I started receiving finance charges due to the overdraft that was caused by the Loan Officers negligence. I reluctantly paid the {$640.00} overdraft funds in order to stop the finance charges from occurring. The OOTC reviewed the situation and in XXXX they said no money is due back because they already sent me the {$2400.00} escrow money. Then in XXXX I supplied documentation again proving I was owed money for the extra payment of principle and interest. Then in XXXX the XXXX replied that they sent me the {$2400.00}, which they now claim was the principle and interest plus 1 days ' worth of interest! So I have 2 letters from the OOTC which directly conflict with each other! If they ca n't figure this out, who can? I wrote to them and asked them to tell me the correct answer because their letters say 2 totally different things, and for the last 2 months they refuse to look at the issue because they say they already addressed it. Frustrating! I have asked for a face to face meeting, I have asked repeatedly for a phone conference to go over the documents, I have great email trails, and documents to prove that money is owed to me. I have spent more than 100 hours working on this, to no avail. I have written nice letters, and I have more recently written stern letters XXXX but always respectful ), trying to get action. I have spoken to experts in the mortgage field that tell me to file a complaint with the CFPB to get action.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Bankruptcy Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 account hacked and {$1000.00} taken in a person to person transfer. 
XX/XX/2022 account hacked in a person to person transfer {$1000.00} was taken and also charged account in two transactions of {$60.00} XX/XX/2022 hacked for a third time and {$1000.00} was transferred in a person to person transfer. 

Chime is failing to secure my account, the are allowing changes to my account without proof it's me. I have contacted Chime and spoken with numerous members ... From Members Services to Disputes and my account is still not secure and I can not even access it myself. I have contacted Chime every day for 5 days. This has caused significant damage to myself and my family due to this was money to pay bills... Including our house payment and groceries. I need help in solving this matter and recovery of my hard earned money.
Product: Credit reporting or other personal consumer reports

I have some hard Inquiries that I didn't not Authorize with TransUnion credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have tried multiple times to speak with America First Credit Union regarding my two loans ( home equity personal and HELOC ) to get them to consider and abide by the CARES Act in regards to my situation due to XXXX, I became unemployed since XX/XX/XXXX. I had paid off every single month the monthly principal and interest amounts on both loans but I am no longer able to do so without furthering myself into credit card debt. I have not had gainful employment since. I was able to be granted their once-every-six-months " skip a payment '' program, of which I was able to skip payments in both June as well as XX/XX/XXXX. 

However, this is not good enough, so I seek remedial solutions and have tried to ask them and their management to look into addressing the CARES Act and allow me to be granted forbearance since at least one if not both loans are eligible, since at least the non-HELOC is considered a 2nd mortgage. But HELOCs have the term " Home Equity '' in them as well. I am unsuccessful in getting them to contact me and providing a resolution in light of the CARES Act, of which they are not free to ignore. The last time I was told I was going to get an answer was earlier this week on a follow-up phone call, but that never happened. It seems they are starting over every single time as if I never ever spoke about this or something. This is egregious because I am unable to pay the next month without serious harm and damage to me. 

I am already on forbearance for my home mortgages, so these loans are now a massive hardship on me as I only receive XXXX XXXX as pretty much my only source of income, which doesn't come close to paying anything except utilities and food by itself. I also was told that I would have to fill out a series of paperwork entailing my finances and expenses, but the CARES Act states that that isn't allowed, that banks must merely provide some kind of modification and/or forbearance option without question, until I can find gainful employment or a source of income that get me out of all this hardship.
Product: Credit reporting or other personal consumer reports

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( XXXX ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address.

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Copy of ID - Proof of Address -- -
Product: Mortgage

I received a very harassing letter from Capital One, my mortgage company, demanding I show them proof that I have hazard insurance. I am trying to find out what they mean by " hazard insurance. '' Do they mean the insurance XXXX XXXX XXXX XXXX carries for the units? In the past, XXXX XXXX XXXX XXXX provided that information to me and I would forward it to Capital One. Besides being very harassing, the letter does not even give a final date that they will accept proof of insurance. The letter was sent through USPS, First Class Mail. Furthermore, no one signed the letter. I would like to have the best address to send a copy of this letter. I believe it is a scam.
Product: Mortgage

Dear Escalation Supervisor, On or about XXXX XXXX. XXXX I was advised by XXXX XXXX XXXX XXXX all documentation was received to proceed forward with a property modification. Since this point I 've had no updates or communications from the mortgage servicer. Upon calling several times to get a status update with XXXX, XXXX and XXXX no follow up has occurred. On XXXX XXXX. XXXX I had a XXXX  package delivered to our townhouse. It seems to indicate I should call in to get further direction on the next step to the process. The property is indeed occupied. It is important the servicer call me back and give me a update via phone and or E-mail. It seems XXXX XXXX is never available. Please assign a new representative to my account as soon as possible. All communication or correspondence should be mailed to : P.O. XXXX # XXXX XXXX Michigan XXXX! 
Thank you ahead of time.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I need your help in reaching this company, I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is an serious matter, it is affecting my life, my mental health and my credit score. I did not and never have I let anyone use my name, date of birth, and any other personal information. They need to figure out who established the account in my name and give those details to them rather then myself. Please help me resolve this problem.
Product: Checking or savings account

I opened an account with Ctizens Bank in XX/XX/XXXX. In XX/XX/XXXX, without my knowledge 4 more accounts were opened online and overdrafted. I did not find out about these accounts until i tried to open another bank account in XX/XX/XXXX and could not due to a low XXXX score. I then ordered a XXXX report that were all close due to account abuse. On one account the date reported was XX/XX/XXXX, and the charged off amount was {$320.00}. On aother account the date reported was XX/XX/XXXX, and the charged off amount was {$790.00}. The third account was reported on XX/XX/XXXX and charged off for {$1000.00} and the fourth charged off account was reported on XX/XX/XXXX and charged off for {$390.00} I did file a police report and I have sent numerous letters to Citizens Bank asking for signature cards to be sent to verify that indeed I did open these accounts ( because I did not sign any ) or if they can not provide such evidence to remove the negative marks off of my XXXX account and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and filed disputes with XXXX and XXXX about a collection. AR Resources is saying I owe a debt for a medical collection. I have requested the company AR Resource to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with XXXX XXXX.