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

I am reaching out with deep concern to formally dispute inaccurate information that is currently being reported on my credit report. 
Regrettably, the following items have been misreported and are having an adverse impact on my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly showing that I have XXXX late payment, when, in fact, my Equifax report clearly reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly showing that I have XXXX late payment, when, in fact, my Equifax report XXXX reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : As I previously disputed this account with the credit bureaus, and it was successfully deleted from my XXXX report. However, Equifax failed to conduct an investigation and did not remove the disputed information. 
This oversight is causing me a great deal of stress and anxiety, and I am hoping it can be addressed promptly so that I can move forward without this mistake hanging over me. 

XXXX : Equifax XXXX XX/XX/year> Im writing with a heavy XXXX, as Ive discovered that these items on my credit report are either inaccurately reported or have already been resolved. Despite my efforts to address this, the issue remains unresolved. Ive already reached out to both the credit reporting agency and the data furnisher, but nothing has changed. 
The ongoing error is causing me a great deal of distress, and I kindly request that these items be thoroughly investigated and corrected as soon as possible. 
To support my claim, I have attached documentation and screenshots of my credit report, which show the inaccurate information. I sincerely hope this matter can be addressed promptly, and my credit report updated to reflect the correct details.
Product: Checking or savings account

Someone fraudulently purchased Bitcoin and withdrew it on my account on two separate occasions/transactions. XX/XX/2023 at XXXX XXXX  and amount of XXXX XXXX ( {$100.00} ) was purchased then withdrew to an external wallet. XX/XX/2023 at XXXX XXXX  an amount of XXXX XXXX  ( {$400.00} ) was also purchased and withdrawn. I didn't authorize nor did I make these purchases. I was in the hospital and was having XXXX at the time of them and I had no knowledge of it happening. I asked cash app for a investigation and for my money to be returned and they denied my claim!
Product: Credit card or prepaid card

I received alerts from XXXX XXXX on one of my credit cards that there was a hard inquiry reported on XX/XX/22 and a phone call and email that my credit score had changed from XXXX XXXX XXXX. Both alerts said that it was through Bank of America and XXXX. XXXX indicated that the alert was for XX/XX/22. I have been a victim of identity theft before so I had previously locked my credit on all three lines. When I called XXXX that report was unlocked and Im unsure if it timed out or if it was unlocked from when I purchased a car earlier this year. I then made sure XXXX froze it again. After calling Bank of America they let me know that someone had applied online for a XXXX XXXX credit card and was approved for a {$16000.00} credit limit. Bank of America was unable to find the address directly related to the application but they did have an address of a family member that I had not provided. I asked them to remove it. They said the card hadnt been used yet and Bank of America also closed the account. They ensured me that they would work to correct any issues with my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; SXXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Debt collection

Debt Collector failed to supply documentation showing an agreement for the charges between myself and the fraud originator. There is no agreement to pay the charges and there never has been. Yet they still insist on trying to collect the charges and have now reported a fraudulent debt to my credit report.
Product: Credit card or prepaid card

Today XX/XX/2022, I called CFPB at ( XXXX ) XXXX because I was informed by a male CFPB agent to check back in 7 to 10 days to see if Wells Fargo responded to my mailing complaint dated XX/XX/2022 by certified mail # XXXX that being confirmed by 2 different CFPB on my 2 phone calls before in XXXX and XXXX. They adised me to call back if I don't hear any solution from either Wells Fargo or CFPB. 
At XXXX, XXXX was unhelpful and unable to answer my question, then her supervisor, XXXX XXXX refused to state her last name or the state location where her call center at. She also pointed finger at whom ever gave me instruction not to file a new complaint while my case was closed but mailing to written complaint and proofs of disagreement. That what I mailed on XX/XX/2022. XXXX XXXX refused to transfer my call to another supervisor and ended my call. 
At XXXX, XXXX XXXX received my call, but he was unable to answer on what happen to my mailing escalated complaint against Wells Fargo agents and WF Banking XXXX His supervisor, XXXX XXXX confirmed there were no upload from CFPB in Washington DC and she emailed me the all complaints from XX/XX/2022 to XX/XX/2022 against Wells Fargo before WF gave me an meaningless solution on XX/XX/2022 through CFPB but mailing a delayed solution on XX/XX/2022. 
Therefore, I have to electronically filed my new complaint against Wells Fargo agents and Banker
Product: Debt collection

I have no idea when this debt is from. The account was opened in XXXX of 2017. I have had XXXX XXXX in the past, but am in belief I have paid off all my past due accounts to them and returned equipment. If this debt is correct, this there is no chance to pay back as I am on Social Security XXXX and have no other income.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you that CKS Financial has no legal authority to collect any debt from me in the state of New York. According to the XXXX XXXX XXXX XXXX ( XXXX  ) Consumer Access website ( XXXX  ), CKS Financial is not licensed or registered in New York as a debt collector, debt buyer, or any other type of financial service provider. 

Therefore, I demand that you cease and desist from any and all attempts to contact me, my family, my employer, or any other third party regarding this alleged debt. I also demand that you remove any negative information that you have reported or may report to any credit bureau or credit reporting agency about me. I further demand that you restore any points that you have taken off my credit score as a result of your unlawful collection activities.

This is a violation of the Fair Debt Collection Practices Act, the New York Debt Collection Procedures Law, and any other applicable laws or regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  account ( account # : XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 c-2 states these accounts HAVE to be removed from my credit report in 4 DAYS and it has been well over 4 days since they received my FTC report XXXX XX/XX/XXXX.
Product: Credit card

I saw a promotion online if you apply for a Marriot XXXX credit card and spend {$3000.00} dollars within 3 months that I would receive XXXX XXXX point certificates and Marriott XXXX points per dollar spend. I applied for the credit card around XX/XX/2024. I reach the promotional spend in the first month. Along with the XXXX XXXX points certificate I was suppose to receive, I was suppose to receive an additional XXXX Bonvoy points based on the charges I made on the credit card. Based on my credit card statements, I spent {$3500.00} in XXXX, {$3900.00} in XXXX, {$1.00}, XXXX in XXXX and {$1200.00} in XXXX. It's XX/XX/2024 and I have yet to receive my XXXX XXXX point certificates or any XXXX points. My account has XXXX points and nothing has been added even though I have used the credit card and spent {$10000.00} in XXXX months. I have called XXXX Marriott three times and Chase twice. Marriott keeps saying it's an issue with Chase and Chase keeps on saying it's an issue with Marriott. First Marriott said that it takes a while to post and then I called Marriot back. They conducted an investigation and I was then told that there is an issue with Chase that the credit card was not linked to the Marriott XXXX  account number. I called Chase to let them know of the issue. They did an investigation and told that they were linked and Chase has sent the Mariott points to the correct Marriot account. I called Mariott back to let them know that Chase did an investigation and that the credit card was linked to the my Marriott XXXX account. Chase has stated that Chase has been sending the point every month. However my Marriott XXXX account does not show that I have received any points or certificates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Capital One XXXX, Capital One XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX ). has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


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

Re : Dispute of 30 day late payment for fraudulent lease extension on BMW Lease To whom it may concern : I am writing to request an investigation into the fraudulent activity that occurred on my account resulting in a 30 day late payment on my credit report. 

I leased a XXXX XXXX XXXX from BMW Financial for a period of 36 months ending XX/XX/XXXX. 

I returned the car at the end of the lease having made every single one of the XXXX payments on time as my account was on autopay. 

In the first week of XX/XX/XXXX I was notified by a credit monitoring service that my score had dropped due to a negative mark on my account. When I checked my credit reports I saw that my lease term had been changed from 36 months to 38 months and that the XXXX payment was showing a 30 day late payment. 

Since there should not have been a XXXX or XXXX month I called BMW Financial Services who advised me that I had extended my lease over the phone. 

I have called multiple times since and have advised them that if someone extended the lease over the phone it was certainly not me. I was eventually advised to send my dispute in writing. 

On XX/XX/XXXX, I spoke to XXXX in the Lease End Department at BMW Financial, who told me that the lease was extended on XX/XX/XXXX, long after I had returned the car. He also told me that the payment of {$2300.00} for the fraudulent 2-month lease extension was made from a XXXX checking account with an account number of XXXX. This is not nor was it ever my bank account. 

I assume the leasing broker or someone related to the dealer impersonated me to extend my lease for one reason or another as I have attained a copy of the odometer statement used to turn in my car which was not filled out by me, and has a fraudulent signature that is not mine. 

I suggest that BMW Financial listen to the recording of the phone call when my lease was supposedly extended and compare it to other phone calls of me calling in, it will be evident that it was not my voice doing the extension. 


Lease agreement for XXXX XXXX XXXX for term of 36 months Odometer statement FTC Identity Theft Report Police incident report slip for crime of Identity theft Please remove this blemish as soon as possible as I have otherwise perfect credit and this is clearly a case of identity theft/fraud.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Credit card or prepaid card

On Thursday XXXX I had to made yet another phone call to Capital One to highlight that a credit card transaction deemed to be investigated as fraudulent by Capital One was still charged to my credit card account ( only {$13.00} ) ; this dispute regarding this unrecognized transaction has taken several phone calls and e-mails over the last six months. Supposedly I hadn't provided sufficient evidence to dispute this transaction until I called in ( several phone calls ) to have their customer service representative look into the evidence I had sent in through their document upload system ; apparently this evidence wasn't acknowledged by Capital One until I called in to complain about this inconsistent service. I do not understand how Capital One would advise that an unrecognized transaction should be investigated as fraudulent and the credit card used in conjunction with this transaction should be replaced with a new credit card account number but, at the same time, the customer must be put through several long phone calls not to be billed for a transaction that is being investigated as fraudulent by Capital One. 
Please find attached as PDF the chat with XXXX I had sent to Capital One months ago regarding this fraudulent transaction.
Product: Debt collection

Aggressive threatening calls, misinformation about debt I do not owe
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the identity theft inquiry related to XXXX  XXXX XXXX ( XXXX ) from my credit bureau reports. This inquiry was a result of unauthorized activity and not initiated by me. 

As part of the resolution process for this identity theft incident, I kindly ask that all records of this inquiry be removed from my credit file with each of the major credit bureaus ( Equifax, Experian, and TransUnion ).

Please let me know if additional information or documentation is required to facilitate this request. I appreciate your prompt attention to this matter and look forward to your assistance in clearing my credit report
Product: Credit card

I ordered tickets from what I later discovered to be a scam site ( XXXX ). I contacted my bank and let them know then bought tickets from XXXX. The tickets I purchased from the scam site were {$180.00}. The tickets I purchased from XXXX were {$85.00}. The address for XXXX is not verified and they have no phone number. Their XXXX rating is an F and there are tons of people online complaining that they are fraudulent but my credit card company ( citi ) said it's not their problem. Wow.
Product: Mortgage

Specialized Loan Servicing ( SLS ) acq uired my loan sometime prior to  XXXX . Also, during the acquisition period, an insurance check was issued to me and the loan servicer for a roof replacement made well befor e SLS ac quired the loan. SLS did not endorse the check and return to me, rather they credited it automatically, without consulting me, to mortgage payments. When I learned of the credit towards the mortgage payments, I accepted it and noted that  the next 4 payments were paid in advance. During that 4 month period, SLS determined that they did not have the right to apply the funds to mortga ge payments and reversed the payments ( thus immediately creating a default ) and then placed the funds in an escrow account. I was then sued for foreclosure. I tried to contact  counsel for SLS wh o refused to provide a workout or application for workout. In  XXXX   XXXX  I received notice of foreclosure sale having never had the opportunity to apply for modification nor did they provide me with the $  XXXX  which  SLS was   holding. My attorney got involved and I received a modification package. My attorney also provided me with an email that accidentally included an internal email between SLS and their counsel stating that they had already set the sale, would deny my application when received and go forward with the foreclosure sale. In other words, they had no intention of processing the modification package. When it was brought to SLS ' attention, they asked that the email be destroyed and they provided me with a modification. When I asked about my $  XXXX  the  SLS r epresentative said that I would get it back after paying 6 months of mortgage payments. I objected but they refused to return me the money. Further, my mortgage is now over {$200000.00} because of fees, costs, unpaid interest, etc. that they tacked onto the back end of the mortgage. My original mortgage in  XXXX  was for {$120000.00}. It was refinanced once and was approximately $  XXXX  at the time this issue began with SLS. I paid 6 months of mortgage and have spent the past 5 years trying to get my $  XXXX  back. I sent emails on the SLS site, I spoke with representatives and finally at the beginning of this year, I was told that they would not return my money without an attorney. I told them to apply it to my mortgage payments. They refused and now they are returning the mortgage payments I am making monthly. I expect that I will be receiving a foreclosure suit at any time.   I have also learned of others who have SLS mortgages that went into foreclosure, that were not provided a mortgage modification package until days before the foreclosure sale and lost their homes because SLS did not process the modification package in time.   I did not delete the email and still have the email string containing the discussion about automatically denying the application when received and that a foreclosure sale date was set before ever providing me with the modification package.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}