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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX DATED XX/XX/year>, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Checking or savings account

I went to Bank of America ATM to deposit 2 checks totaling {$960.00} plus {$7000.00} in cash during my transaction of depositing the cash I got an error on the ATM and a receipt stating an error occurred and contact XXXX. I contacted this number right away. They filed a claim for me ( claim # XXXX ) and stated it would take 1 to 2 business days to get reviewed. I checked my account today and they 2 checks were credited and only {$300.00} of my cash deposit was credited. I called back today and now I am being told it will take up to 10 business days to be resolved which is XX/XX/XXXX. I put cash in the bank because I needed it available right away due to bills and my son 's XXXX birthday party on Friday, XX/XX/XXXX. 10 business days is an unacceptable timeframe when waiting for such a large amount of discrepancy to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, including but not limited to my Social Security Number, address, and birth-date. They not only allowed a data breach of over 143 million consumers information around XX/XX/XXXXand XX/XX/XXXXof 2017, they neglected to inform parties until nearly six months later, leaving them vulnerable to fraud and identity theft while potentially using that information to conduct insider trading. I had to find this information out without any notice from Equifax on the " Potential Impact '' portion of their website www.equifaxsecurity2017.com. This negligence of proper security protocols in handling consumer information and the unethical actions of Equifax thereafter is unacceptable and needs rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Mortgage

My home was in foreclosure for a number of years. After trying to sell it by short sale, I requested a deed in lieu of foreclosure with my lender Wells Fargo. The request was approved by correspondence dated XX/XX/2016. I received a Deed and other transfer documents to execute and notarize. I returned the package to Wells Fargo on XX/XX/2016. According to the approval, I was awarded {$7000.00} in relocation expenses. My problem is that it has been more than 60 days since I executed the documents and have not received the promised payment.
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. 

whats attatched... 
bbb complaint your " proof '' Dispute Letter
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with the Southwest Recovery Services LLC., they did not provide me with the original contract as i requested
Product: Checking or savings account

Citibank has closed /blocked one of my savings account right after I deposited an amount of XXXX on XX/XX/XXXX which are my total emergency funds. I reached out the next day to customer service and asked about why my account was closed and where are the funds. What they stated and have been stating until now is that the account is blocked and they are unable to release any funds until 60 business days that they finally close the account. They have taken away my online access to all my accounts, they wont let me withdraw these funds and they wouldnt help me resolve this neither by calling customer services or showing up at the branch. I have been going in circles and I am afraid I will lose this money after all the reviews I have read regarding other people experiencing the same situation with this bank and claiming they have not received their funds after 7 and 9 months or maybe never, not until they filled a complaint against the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail XXXX shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is E Oscar or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still XXXX reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX  POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - XXXX XXXX XXXX XXXX XXXX - Other : XXXX, XXXX XXXX portions covering decisions of the document titled XXXX  XXXX _, hereby immediately revoke those _, that _ XXXX XXXX I previously executed on the XXXX of _ which appointed One Main Finance One Man Finance as my agent and as my alternate successor agent. I hereby notify said agents ) and any other interested persons and institutions that all portions of said document are revoked. 
This revocation takes effect immediately. A photocopy has the same effect as an original. 
This revocation was signed the XXXXXXXX XXXX XXXX XXXXXXXX Signature of XXXX XXXX XXXX XXXXXXXX Print Name XXXX XXXX _, XXXX. 
NOTE : Provide copies to anyone who may have copies of the Power of Attorney that is being revoked. Retain the original of this form in your personal papers. 
[ State of XXXX XXXX of XXXX On this XXXX  day of XXXX, in the year XXXX before me XXXX, a notary public, personally appeared XXXX XXXX proved on the basis of satisfactory evidence to be the person ( s ) whose name ( s ) ( is/are ) subscribed to this instrument, and acknowledged ( he/she/they ) executed the same. 
XXXX XXXX my hand and official seal. 
Print Name XXXX XXXX My Commission Expires on XX/XX/year> 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF TRANSUNION BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED TRANSUNION TO DO SO. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.
Product: Debt collection

I have repeated asked Central Financial since XXXX of XXXX to provide verification of debt for {$100.00} that they are continuing to renew on my credit. Every 6 months, they are repeated renewing the collections of {$100.00} as if it is a brand new debt. According to their records and all the information they can provide me is that they acquired the debt from XXXX XXXX in XXXX. In fact, this should have NEVER been on my credit since I have insurance and have double coverage. My normal out of pocket is always {$0.00}. Why is it showing on my credit as if it was filed in XXXX of XXXX?????
Product: Credit card or prepaid card

Key bank locked my card and said washington unemployment locked it and that washington unemployment is the only one that can unlock it. Washington unemployment says they have nothing to do with the locking or unlocking of card and can't help me in this manner and keybank says that I can't do anything about it and that they need to hear from Washington state to clarify who I am and neither will help me in this manner and be wise of that I'm going to lose my house
Product: Credit card

False information presented through a computer screen used to create an apparent need for unnecessary services. After securing service the provider was shut down by CFPB. Fees paid have not secured promised service.
Product: Credit card or prepaid card

I applied for a balance transfer offer through U.S Bank credit card services, in which I was approved. so I proceed to do the balance transfer to pay out a debt to XXXX XXXX  for the amount of {$6300.00} dollars with a 3 % fee for the transaction, After couple of days I called to see how long will it take for the process of the transfer, the agent told me it would usually take 5 to 7 days that called was made on XX/XX/2023. On XX/XX/XXXX I called U.S. Bank and an agent said the transaction should be complete any day now and to call back. On XX/XX/XXXX I called again and the agent told me that the transaction was on hold and I asked why? She responded by saying that some times the system would do that. I told her ... because of this delay on their behalf I wouldn't have enough time to make the payment for the due date on my XXXX XXXX which was under a promotion that was going to expired. She did apologize for the inconvenience and she told me that at this point was going to take more than 5 days to send the transaction to the destination because they had to cut a check and send it via postal office. When I heard that I told her that it was too much time, so she told me that cancelling this transaction was an option, In which I told her YES please cancel this transaction in which at the time was still on hold. The agent proceeded to canceled the transaction and gave me a confirmation number for the cancelation that was made.. At this time I decided to use another credit card to do the balance transfer in which only took 3 days to complete the process. 
On XX/XX/XXXX I noticed that U.S Bank sent the payment of the balance transfer after I had alreay canceled the order. I explained the situation to an U.S. Bank manager which I can't disclose the name. I asked him what can I do now?, he recommended for me to contact XXXX XXXX  and ask them to return the money back to U.S Bank, in which I did contact XXXX XXXX  and the agent told me that via SCH is blocked the only way to do it is sending me a check in which I agreed. 
As of today XX/XX/XXXX the {$6300.00} dollars has being deposited back to U.S bank, returning the money of the transaction. The situation is that U. S bank is charging me the fee of the transaction, in which wascanceled in the first place, I contacted 2 more managers and they said they won't waive the fee, I told them to check the recordings of me talking to the previous agents to find out that the mistake was on their behalf but they just ignored me and won't take responsability for their error and incompetence. This is an ILLEGAL charged because because there was a stop on this transaction over the phone in which was recorded and confirmation number of the cancelation on file to prove their wrong doing. Is not my fault for their miscommunication and lack of ability to handle their business. PLEASE HELP. STOP FRAUD
Product: Credit reporting or other personal consumer reports

The INQUIRIESlisted below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Every year, the documents this company requires apparently get misplaced by them. For the last 7 or 8  years, they have requested a signed certificate of occupancy or proof of insurance 3 to 7 times per year. Each year, they repeatedly request proof of insurance and proof of real estate tax payment approximately 4 times in a row, despite the fact that I send these proofs each time.I have attempted to send documents by mail, fax, and email. 

In XX/XX/2020, I filled out the certificate of occupancy by hand and mailed it. Weeks later, I was accused of not having sent it. When I offered to send it by email attachment, a XXXX XXXX sent me an email request in XX/XX/2020. I typed into the .pdf of the certificate of occupancy and signed it by hand, then attached it to my return email. On XX/XX/2020, Ms. XXXX called to say that the date had to be handwritten in, not typed. I immediately emailed an attached 2nd copy with the date written in. A couple months after that, Ms. XXXX called to say she did not recognize my signature. It is my signature. She insisted I go to a notary. I explained that I did not want to go to a notary because of the Covid-19 epidemic. 

In XX/XX/2020, a XXXX XXXX from the company called me with the same demand for a signed certificate of occupancy. This time she told me to send a copy of my utilities bill attached to an email instead as proof of my occupancy. I did this promptly. 

Right before leaving for vacation about 3 weeks ago, I received a XXXX from said XXXX XXXX dated XX/XX/2020, demanding that I AGAIN sign the same Certificate of Occupancy. It offered the option of faxing my response but did not provide any fax number. I had to call the company to get that number, and then I faxed the same signed form, again, dated XX/XX/2020. I have uploaded 3 documents that show they received the same information on XX/XX/XXXX and XX/XX/XXXX. But they also demanded the same information 3 more times. 

To me, these constant repeated demands seem like harassment. A few months ago, the company went through bankruptcy. This behavior, demanding the same documents again and again, have increased since then. I live in my home and am never absent from it for more than a a month of two,  during summer. No one else rents it. I feel that I am being harassed in a desperate attempt to foreclose on my property.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to the appearance of an unauthorized account and 21 inquiries on my credit report. These were added without my knowledge or consent.

ACCOUNT : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have reported this identity theft to the FTC and request the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Debt collection

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.