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

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Opened XXXX XXXX XXXX Balance {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a XXXX report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to transfer {$50.00} from my chime checking account to one of my other accounts through an option where you can send a link to someone's phone number and then they are supposed to put in their debit card information and then they will have the money transferred into their account but when I put in my second phone number to transfer the money to myself in a different bank account I verified my phone number and then once the transfer was complete it said it transferred into someone else 's chime account I immediately called the institution the person I initially talked to told me that my money would be back in my account within 3 days after 3 days passing I called back another person told me that they weren't going to refund my money I called back again another person told me that they would email me in a day or two I never received an email I called again after about a week and was told once again that they would not give me my money back even though they made the error and put it into someone else 's account
Product: Vehicle loan or lease

I have leased a XXXX Tesla XXXX XXXX through Tesla Finance since XX/XX/XXXX. Accordingly, XXXX XXXX has my XXXX XXXX XXXXXXXX checking account information and my authorization to deduct my monthly lease payments, which has been working without issue since XX/XX/XXXX. Notably for purposes of this complaint, however, I DO NOT subscribe to Teslas Full Self Driving ( Supervised ) service ( FSD ). Recently, in an effort to increase customer use of FSD ( and likely use the data generated by its use to improve the system and assist in XXXX attempts to release a robotaxi service ), Tesla has extended owners a free trial of FSD. I did not activate the trial or sign up for FSD during the trial period. However, on XX/XX/XXXX, Tesla Motors, apparently using my BofA checking account information on file with Tesla Finance, performed an unauthorized transaction for {$99.00} alongside my normal, authorized lease payment transaction. Upon information gleaned from an internet search, a similar {$99.00} unauthorized charge was applied to many additional Tesla owners and is ostensibly for FSD subscriptions.

I reached out to Tesla Finance to inquire about the charge, but no one was available to answer my call. I was instead advised to email Tesla Finance, which I have done, but have not received an answer at the time of this writing. I have also disputed the {$99.00} unauthorized charge with XXXX and they are very responsively investigating. However, the investigation will understandably take several weeks. Given the facts that ( 1 ) Tesla has recently experienced sales and revenue slowdowns and is undergoing large layoffs, and ( 2 ) that many Tesla customers are apparently experiencing similar unauthorized charges, I recommend CFPB investigate how serious and widespread this issue is. Whether through error during layoff chaos or something more nefarious ( such as trying to make up for revenue slowdowns ), Tesla maXXXX be collecting unauthorized charges from customers on a large scale.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : 1681 0 ) I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX XXXX 2. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

On  2 Separ ate occasions I disputed unauthorized inquiries that were showing on my credit report, and on both occasions Equifax " so called ' investigated the disputes and found them to be accurate. My most recent dispute ( #  XXXX  ) of the following inquiries  ( Factual Data-   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX  -1/15/17, an  XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ) was submitted on  XXXX / XXXX / XXXX , Equifax completed the investigatio n 5 mins after I  submitted the dispute. There is no way possible that Equifax could have done a proper investigation into these disputes  in 5  mins. The investigation results states that inquiries are a factual record of file access but I have stated several times that I did not authorize these inquiries so they are not factual. Per the FCRA a thorough investigation must be done on all consumer disputes. The fact that Equifax closed my disp ute within 5 minutes show s that they did not investigate at all and are in direct violation of the FCRA. These inquiries must be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and 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. 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 XXXX # XXXX, XXXX XXXX # XXXX
Product: Debt collection

This complaint is concernin g a 4 year old  medical bill from  XXXX   XXXX    XXXX    XXXX . The bill is for the amount of {$270.00} and it 's been destroying my credit ever since. I only saw the doctor twice, he gave me a the wrong medication, which really did a number on me, and then later on. I find out that this doctor was in fraudulent activities, which includes {$200000.00} in bribe payments in a dubious scheme involving a   XXXX   XXXX   XXXX   XXXX  . I 've tried to talk to them, but the nurses that work there are nasty and just hang up the phone on me. Moreover, then they would call me, they would threaten me and tell me if, I did n't pay the doctor, that there would be some serious consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX BANKRUPTCY COURT-MOBILE XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Mortgage

I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that Select Portfolio Servicing ( SPS ) filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that Select Portfolio Servicing ( SPS ) submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the contract.
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 take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form my report. 
XXXX {$1100.00} XXXX  XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} USDEPTEDXXXX {$4000.00} USDEPTEDXXXX {$1700.00}
Product: Debt collection

This account was opened in my name in XX/XX/XXXX the debtor saying I opened this account in XX/XX/XXXX a a false statement I been fighting with this for XXXX years. Jeffcapsys {$3500.00} Opened XX/XX/XXXX
Product: Mortgage

Hello, I have my land mortgage in Texas with XXXX XXXX   XXXX company. 
This is a variable rate mortgage, so the interest rate changes from time to time. 
This situation has now happened for a second time, where by I have send the payment for the amount before interest rate change on time to the bank. What the bank does is cash my check, then return and issue a new check from the bank back to me and send it a letter saying that the amount send was not exactly as the new payment. I also then receive another letter saying that I was delinquent on my last payment and have been charged a late fee plus interest rate. 
I find this outrageous that a bank can actually do this? 

Please look into this issue and see what can be done to remedy the issue? 

Thank you ... 

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

I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I, XXXX XXXX natural persons pursuant 15 USC 1692 has contacted PAYPAL regarding my account being closed. I was told it can not be reinstated until my full balance is paid. Asking for an alleged debt in the amount of {$1200.00}. Asking for payment to a positive balance of {$180.00}. I requested validation of the account and reconized the billing error and reported it. I have received correspondence that my account is closed due to non payment. I've made payment and still unable to use my card. The bank depends on me as a consumer and I extend my credit to them. This is against federal law pursuant 15 USC 1691 and I as a consumer have a right to my credit.
Product: Credit reporting or other personal consumer reports

I have been going through this for years. I have reported to this company as well as who provided the credit to let them know that these accounts are not mine. And the accous that are your reporting inaccurate information. I have became homeless. Can not obtain credit to get a car. And this has been years. I am losing my mind. No one is helping nor listening to me. Scammers have also got into my bank account took all my money. I had to fight with XXXX XXXX  as well. All because someone stole my identity. I have made a police report in XXXX XXXX in. NC. They have over $ XXXX or more of debt on my report and they will not remove these accounts. And I know it's against the law.
Product: Credit card

On   XXXX   XXXX   XXXX    , I requested a credit line increase after confirming multiple times with two agents that the credit line increase would not result in a hard hit to my credit bureau. Soon after, I reviewed my  XXXX  report and noticed that a hard inquiry was in fact posted to my credit bureau. I then notified Comenity Bank  ( " Comenity  '' ) via telephone, explained the situation, and asked that they review the calls and my account to validate that they in fact stated this would not be a hard inquiry. The supervisor I spoke to informed me there was nothing he could do. I then wrote a letter to Comenity explaining the situation, and I received a response in Comenity that stated they reviewed my account and everything was correct, with no discussion of listening to the calls.   At this point, I notified the CFPB of my complaint and my situation. The CFPB then forwarded the complaint to the FDIC. The institution FINALLY conducted the research I requested several times and provided a response ( attached ) stating that the following occurred : - Bank associates incorrectly stated a hard inquiry would not occur ; - Several instances where a Bank associate did not address [ my ] concerns or adequately resolve this matter ; - Associate did not read the proper disclosure to [ me ] when they processed  [ m y ] request for a credit limit increase ; and - A request was sent to the credit reporting agencies to remove the inquiry from [ my ] credit file within 45 calendar days.   Comenity 's response was sent on   XXXX   XXXX   XXXX    , and the hard inquiry still appears on my credit bureau.   I recently contacted Comenity, and  XXXX   XXXX  notified me there is nothing further that he could do. Under the Fair Credit Reporting Act, they did not have permissible purpose or permission to access my credit bureau, and therefore, incorrectly posted a hard hit to my bureau report.
Product: Credit reporting or other personal consumer reports

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.X
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF ED/XXXX  XXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX/DOFED XXXXXXXXXXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial letter sent to all 3 Credit Bureaus ( XXXX, Equifax and XXXX  ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( XXXX, Equifax and XXXX  ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( XXXX, Equifax and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " Updated '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/23 ( 14 days elapsed today ) I paid the total balance of my card, my money was debited from my bank account, but my credit limit, 2 weeks later, still doesn't reflects the payment. Synchrony has been using my cash for two weeks, without reflecting the payment in the available credit. 

Bear in mind that my payment was a money transfer from a bank account to Synchrony, we are not talking here about waiting for the clearing of the fund, which is the excuse that Synchrony use. " Since it is a significant amount we put a hold in the application of the payment ''. The funds must be cleared at least 10 days ago. In the meantime, Synchrony is withholding a debt that does not exist to charge interests eventually. 

I think that the CFPB should consider this ilegal appropiation of funds, not just to receive a superficial, non valid answer as to the waiting period to apply a payment. In summary this should be considered as appropiation
Product: Money transfer, virtual currency, or money service

I was using cash app to send a payment to someone and the kept canceling my transaction when I asked them why they gave me some scripted spiel that really didn't pertain and when I check my account that payment was originating from it didn't show the transaction canceled or the money back in my account now every other time they cancelled the transaction the money was reflected back in my account instantly but this last time it didn't when I told cash app of the miscommunication they gave me some scripted spill again and so then I waited to just verify that nothing had changed on my account and and it didn't so I let them know again that I never received the money back my bank has no record of the canceled transaction that the payment was sent through and they kept saying the same thing over and over they're just basically defrauding me