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

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. I am a victim of identity theft resulting from a data breach, and these items were fraudulently added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these fraudulent entries. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. XXXX am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

My home closed on XX/XX/year>. I had ~ {$4000.00} of an escrow surplus to be returned. They sent XXXX checks for the amounts. They were not received. I informed them multiple times. They then said it could be wired. I had instructions sent from my bank. I followed up and they said to check back. I now can not check back as they are impossible to get someone on the phone and their chat has been down. They had 30 days after close. It has been much longer. The money needs to be wired back to my account as it is rightfully mine and they are in illegal custody of it.
Product: Student loan

I have a Joint Consolidation Loan, have filed for separation, and have been granted eligibility for PSLF and XXXX time IDR adjustment. There have been no actions completed to separate my loan, no access to PSLF, XXXX representatives can not guarantee that this will occur ( XXXX # XXXX ). Misleading borrowers and failing to act violates consumer protection laws. The XXXX requires DOE to separate these loans but they have failed to do so. DOE promised borrower protections tied to Joint Consolidation Loans separation that have not materialized and will not make guarantees they will do so. They have had since XX/XX/2022 to separate these loans under the law and allow access to PSLF and IDR adjustment and have not done so.
Product: Debt collection

XXXX till XX/XX/XXXX I was incarcerated in the state of California correctional during this time my identity was compromised IDs, Social Secuity number used for applying for credit cards and other loans which is on my credit reports of XXXX, XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason.

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations.

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA.

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at [ Your Phone Number XXXX XXXX if you require any further information or clarification.
Product: Money transfer, virtual currency, or money service

I would get charged small amounts of money 3 to 4 times a week on the regular! These amounts would range from {$2.00} to {$5.00} and I would not alert me nor me from legitimate sources I use nor contacts that I use! And this happens/happened on the regular! I cant/couldnt get anyone on the phone to help me with these problems on questionnaires!
Product: Debt collection

I keep getting letters about a mortgage I filled for but never got. They keep changing debt collectors to try and collect on this. I have never gotten any money what so ever from XXXX XXXX. The latest is a place called Ditech Financial, LLC. They want me to give them all of my personal information before they will even talk to me which to me seems like identity theft. I do n't see how these people think anyone will give them their personal information just out of the blue without some sort of proof about what they are talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to by a house realize I had damages on my credit report which is defamation to my character. According to the 15 U.S.C 1681 There should not be any damages on my credit report because it is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

In XXXX I was Car jacked out of my XXXX XXXX XXXX that I had that car XXXX  years XXXX payments left but because I had Gap insurance a bad situation wasn't made worse. Im a single mom business owner and not a fool. And I have to admit I wasn't in a hurry to get behind a wheel of another car because I had been shaken by the ordeal of almost being ran over by my own car, and id been getting nudges by XXXX of my dearest clients XXXX XXXX a new retiree a librarian who was with me when I was looking got approved and requested to have gap insurance and when told the price was an extra XXXX XXXX my exact response was will be worth it should anything happen out of my control. I'm it for my family here so I need safe guards. So we continued and then I was transferred to a tablet because something happened a glitch or something took place and I started where id left off had to get XXXX on the line to secure insurance for the car and continued on. and on XXXX of XX/XX/XXXX XXXX I was t-boned and injured in that accident where I am still recovering from a concussion and bruising on the brain from impact ( see XXXX in attachment ) but XXXX kept calling and so I started looking for paperwork and reached out to XXXX and was XXXX that I in fact did not have gap insurance. that I bought XXXX XXXX. I would never by an extended warranty Gap insurance is the way I insure my property as well as keeping the car maintenance. yes it had been a year but I would have never taken Possesion of the car without gap insurance so the fact that XXXX is saying that I waved XXXX is insidious after looking at the paperwork and seeing that the gap waiver clause is void of my signature, It says NA and should have my signature if I in fact waived gap insurance. This is causing me my credit rating and hardship because I will eventually will have to move and obtain housing my daughter graduate this year we are looking for schools, I am trying to maneuver through this tumultuous terrain and I am so tired of big businesses like XXXX  XXXX finding ways to defraud honest hard working people like myself a pillar in my community. I am sending supporting documentation and I look forward from hearing from you. Your assistance in this means everything to me and my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Checking or savings account

My card was charged XXXX times for $ XXXX {$500.00} to a Company Ive never heard of called XXXX who sells XXXX based in XXXX XXXX I reported this as an unauthorized card to Chase within XXXX days of the charges and was told they would refund my account. After a few days, I didnt receive a refund so called Chase back. They claimed they would 100 % give me my money back at the end of the weekend. More than two weeks later I didnt see a credit so called back and was told its not their problem by the Company XXXX. He then told me I have no recourse to which I said I want to close my account which he said he would not help me with. I want my money back and I do not want an account with this bank
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights. Equifax failed to delete an USDEPT of EDUCation account that is under litigation and reporting erroneously. Payment History says " paid on time OK '' yet status says late 120.

These accounts are under litigation via borrower defense and REPORTING ERRONEOUSLY.
Product: Mortgage

On XX/XX/year>, my husband XXXX XXXX XXXX and we called US Bank that day to learn what our options were. We were approved for XXXX forebearance for XXXX  months. On XX/XX/year>, I received a call that our forebearance was terminated due to failure to comply with verifying my husbands employment status in XX/XX/year>. I stated that US Bank called me on XX/XX/year>, during which I verified that my husband was still unemployed. US Bank was unable to locate the call, so I was advised to submit proof of the phone call, which I did and havent heard from anyone since. On XX/XX/year>, I was told that a new application was submitted and would take effect XXXX XXXX. I called again on XX/XX/XXXX and was told that my complaint was received and that Id hear from US Bank within XXXX hours. I was also told that our new forebearance application was still in review. I never heard from anyone. I received a letter that our new forebearance was approved starting XX/XX/year>, which wasnt in line with what we were promised. When I called to inquire, I was told that it was because our application was not submitted until XX/XX/year>, which is untrue. As of XX/XX/XXXX, I still had not heard anything about my complaint or our account. I spoke to someone who told me that they wont speak to me anymore because my account is now being handled by XXXX XXXX XXXX we will need to wait to hear from them. On XX/XX/year>, we received certified mail demanding payment for the months we were in forebearance, followed by a series of threats. We never should have been taken out of forebearance in the first place & now we are being abused, neglected, lied to & threatened. We have nobody that will speak to us regarding the letter we got today & we are at a loss! There have been a multitude of phone calls & I have requested that the bank review all of them & nobody will tell us whats going on. We were told wed be able to apply for assistance once we came out of forebearance & nobody will assist with that. Ive called to report that my husband started working, they didnt note it. This is predatory indeed, due to the variance in information provided by US Bank, their failure to communicate with us & follow thru on their promises & the terms they set forth, and now failing to acknowledge the proof we went in showing them that that called on XX/XX/XXXX. This is an unbelievably challenging time in life & wed never do anything to jeopardize the roof over our head. Truly XXXX that a bank can do this to someone!
Product: Debt collection

Rausch , Sturm , Israel , Enerson & Hornik , LLC   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Maryland  XXXX  tel # :   XXXX   Fax # :  XXXX  They started garnishing 20 % from my salary in  XXXX  where i worked. They claimed that I owed   XXXX    Gold Master Card/ XXXX  the amount of {$13000.00}. I called them and spoke to   XXXX   XXXX   XXXX   and told them that this is not mine. I ask for all the documents pertaining the debts they claimed was mine.
  XXXX   XXXX  , 2017 I sent them the affidavit/  XXXX   XXXX    FRAUd Questionnaire, and called them almost everyday and always send me to an answering machine.
I called them   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   this week every morning and they just sent me to an answering machine. I told   XXXX   XXXX   to call me back and gave them my numbers. I ask them, why is it that they still garnished my salary even though they said they will investigate after receiving my Affidavit.
They already garnished {$650.00} from my hard earned salary.
I do not know what to do to solve this problem, they do not answer my calls but keep on garnishing 20 % from my hard earned salary. Please help me.
Product: Credit card or prepaid card

I did n't make these charges. They are 100 % unauthorized. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$52.00}
Product: Checking or savings account

I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a Bank of America in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and XXXX  released the funds anyways. On XX/XX/XXXX, my bank, XXXX, sent a letter to Bank of America about this transaction. I was told that BOA has 90-120 days to respond. Tomorrow would be 90 days so I called XXXX to get an update. They told me that they contacted BOA yesterday and BOA told them that they " lost '' the claim, so they faxed them it again. I contacted BOA today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against BOA and XXXX. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that BOA reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that BOA will issue the refund towards my XXXX bank account. I called XXXX and they have not heard from BOA sinceXX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to BOA today. I then called BOA and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 BOA customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by BOA and XXXX on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from XXXX reaching out to BOA on XX/XX/XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX  '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : 1. Closed Account Still Impacting Credit Score The account is marked as " Closed '' despite having an exceptional payment history. Reporting this account in a way that negatively impacts my creditworthiness violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

3.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX