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

I am writing to express my deep frustration and concern regarding the multiple and unsuccessful attempts to remove fraudulent items from my credit file. Despite consistent efforts and a substantial amount of documentation supporting my claims, these fraudulent items continue to tarnish my credit history, causing me significant distress and financial consequences. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency and provided extensive documentation to substantiate my claims of identity theft and fraud. These documents include police reports, affidavits, and dispute letters. 

Despite my multiple efforts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The negligence in addressing this issue has had devastating effects on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit file to verify the existence of the fraudulent accounts. 

An investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter, as well as an outline of the steps being taken to expedite the process. 

Written confirmation of the actions taken to rectify this situation and a clear timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that fraudulent items be promptly and accurately removed from my credit report. I expect that your agency will adhere to these federal regulations and work to resolve this matter in an efficient and satisfactory manner. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX To whomever it may concern, I noticed that my credit report pulled through freecredit.com has many errors and inaccurate reporting. I believe you have them listed erroneously and I would like to have them removed immediately. Below are the accounts you have listed. 

1 ) DEPT OF XXXXXXXX XXXX {$7900.00} This account is not late and is showing on Experian only as late payments 2 ) XXXX   XXXX {$1500.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? DOBLE JEOPARDY DOUBLE REPORTING 3 ) XXXX   XXXX {$380.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? ALSO ISNT THIS A DUPLICATE UNDER DOUBLE JEOPARDY MUST BE REMOVED 4 ) XXXX XXXX XXXX THIS DEBT WAS REMOVED BECAUSE IT IS NOT MINE WITH A LETTER FROM XXXX XXXX SENT TO ME AS I WAS NOT RESPONSIBLE THIS WAS NOT MY ACCOUNT 5 ) XXXX XXXX XXXX XXXX {$940.00} THIS IS NOT AN INSTALLMENT ACCOUNT IT IS A COLLECTIONS ACCOUNT I DO NOT OWN THIS DEBT SO IVE NEVER MADE PAYMETS TO THEM HOW CAN THEY REPORT LATE PAYMENTS ON A DEBT THAT ISNT MINE? 
6 ) XXXX XXXX XXXX/XXXX XXXX {$3900.00} SHOWING 3 MONTHS OS LATES THESE ARE REPORTED WRONGLY 7 ) XXXX XXXX XXXX   XXXX XXXX THIS IS NOT LATE THIS CAR WAS TOTALED IN AN ACCIDENT AND INSURANCE PAID THEM LATE REMOVE THE NEGATIVE REPORTING 8 ) XXXX XXXX XXXX TIME SHARE LOAN WE HAD REMOVED FOR FRAUD BACK IN XX/XX/XXXX REMOVE THE LATE STATUS I HAVE THE PROOF THEY NEVER RESPONDED TO MY DEMAND TO PROVE LETTER. 

Please remove these accounts immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX
Product: Checking or savings account

1. ) I scheduled an appointment on XX/XX/2020 to open a checking account with USBank. 
2. ) Appointment was set up for XX/XX/2020 via phone call. USBank sent email an a text confirmation stating a bank rep would call me. 
3. )XX/XX/2020 no phone call was received at time of scheduled appointment. I called USBank and spoke to a rep. She was not sure why I didn't receive a call but said she could set up the account with me at that time. 
4. ) I provided all my information along with a {$25.00} EFT deposit from my other bank account to open the USBank account. The rep said I should have an email by Tuesday  with an account number and bank information. 
5. )XX/XX/2020 Never received an email. 
6. ) On XX/XX/2020 I called the 800 number and they still could not find the account. The gentleman said that they are extremely busy and I should hear something in the next few days. 
7. ) On XX/XX/2020 I received a post card in the mail stating an account has been opened with USBank. 
8. ) On XX/XX/2020 I called the 800 number and asked for an account number so I could set up online banking. The rep could not find an account and said that it was still in the approval process. She said I should be contacted by Monday XX/XX/XXXX. 
9. ) It is XX/XX/XXXX and I still have not been contacted or emailed that my account is open.
Product: Payday loan

calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.
Product: Debt collection

A debt collection for Phoenix Financial Services with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and XXXX  that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.
Product: Debt collection

I was never contacted by this collection agency to make payment. I happened to check my credit report and thats how I found out. It was reported previously to a different collection agency in XX/XX/2024. I called to make payments and the account was closed in XXXX of 2024 with that collection agency. I tried contacting XXXX, but they were unable to assist. So now its showing up with XXXX XXXX and I havent had a chance to pay the debt because they immediately added to my credit report. Ive never received a bill or a phone call. Theyre deliberately damaging my credit report that Im working so hard to maintain. Ive never heard of this collection agency and dont know why they would mar my credit.
Product: Credit reporting or other personal consumer reports

THIS STATEMENT IS INACCURATE AND CLAERLY IDENTITY THEFT. IMPORTANT DOC. XXXX SHOWS INDIVIDUAL XXXX YEARS OF AGE USING MY IDENTY IN ANOTHER STATE. 

XXXX XXXXXXXX XXXX STILL SHOWING INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Closed ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Details Account Details Payment Status Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> Responsibility Individual Account Account Type installment Loan Type SECURED Balance {$5300.00} Last Payment Amount {$0.00} Original Amount {$5700.00} Original Charge-off {$5200.00} Past Due {$5300.00}
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following accounts be verified or removed immediately : Midland Credit XXXX XXXX. 
In addition, please remove all non-account holding inquries over XXXX days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigatio? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested my credit reports that are supposed to be in protection monitoring. 
There is a lot of miss use of my credit report Why is the the credit reporting agencies running my name daily decreasing my credit score because someone within the reporting agencies are using my personal information and I want it stopped. 
I will provide all of the daily inquiries and running my name daily for their use because I cant get credit Your credit reporting agencies are using our names so we cant Someone has credit in my name through XXXX XXXX because I Applied for credit and was denied because someone else is using my name. This is how American people are used and abused by your insiders
Product: Credit reporting

I sent TransUnion a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. TransUnion received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from the University of XXXX in XX/XX/XXXX. I started receiving emails about this debt in XX/XX/XXXX. I have requested documentation from them but have yet to receive anything showing the accuracy of this debt, the first date of delinquency, etc. They have illegally reaged this debt twice and I have filed disputes each time. Their tactics make this debt seem more recent than it is which will affect my credit into perpetuity.
Product: Bank account or service

Please see Case Number XXXX. 
In this previous complaint Wells Fargo have stated in writing ( both to the CFPB and to me ) that it is possible to transfer funds from my Wells Fargo account to a bank account in XXXX using the Wells Fargo online banking system. In fact this is is simply not true. The Wells Fargo online system allows transfers to various countries in XXXX and XXXX XXXX, but it absolutely does not allow transfers to XXXX. I believe that the Wells Fargo response to my complaint # XXXX is simply false.
Product: Credit reporting, credit repair services, or other personal consumer reports

pened a Discover secured credit card account. I was approved and funded the card through an ACH transfer from my bank to Discover. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called Discover to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX  complaints, Discover reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX complaint, Discover offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Product: Credit reporting or other personal consumer reports

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. 
As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. 
I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. 
My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes
Product: Checking or savings account

On XX/XX/XXXX three ( 3 ) Fraudulent charges were debited to my checking account via debit card account. I did not authorize in anyway these charges and alerted TD Bank that these 3 charges are fraudulent and put in dispute. Charges were {$260.00} XXXX {$500.00} XXXX {$300.00} XXXX XXXX. 
I have held account at original Bank XXXX since XXXX which then later was purchased by TD Bank. I had been a customer for 14 years. I personally went to a TD Bank branch and submitted Claim. Subsequently the claim was denied and TD Bank representatives asked if I wanted to re-file claim which I did 5 times since initial claim and each time claim was denied.. Denial reason was TD Bank confirmed reaching out to Merchants and the merchants confirmed chip card was used. I advised each time impossible because I was in possession of Card and indicated that TD Bank re-review my statements because the statements indicated the card in my possession was used in XXXX XXXX XXXX XXXX by me on the same date XX/XX/XXXX, paying for Hotel and getting Cash from an ATM. I was not in the United States to make such transactions. On the XXXX dispute submission I was instructed that I should get a police report which I did and was given to TD Bank in XX/XX/XXXX. Dispute was then denied again.. TD Bank sent me notices and closed my accounts in XXXX, XXXX. In the interim I reached out to all 3 merchants, XXXX responded by sending notice that TD Bank is only authorized to settle dispute and refused to provide details and XXXX, no response. XXXX did follow-up and I received notices from the Executive offices as XXXX researched and advised me TD Bank had never contacted XXXX in reference to this Claim and upon review determined indeed it was a fraudulent charge.. XXXX returned the funds to TD Bank but having closed my account I was not contacted advising funds had been returned. I was not aware so when I called XXXX at the beginning of XX/XX/XXXX it was advised to me the funds were returned and TD Bank made me get a reference number to find funds at TD Bank. TD Bank then returned in cash to me those funds but denied any reasonable correlation to XXXX for the XXXX and XXXX charges and advised me they would not return and if I wanted to pursue further I should seek legal means..
Product: Mortgage

Borrower : XXXX. 
Property : XXXX, NY XXXX. 

I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. 

I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX and I would like them removed off my credit report. 

XXXX XXXX XXXX XXXX is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. 

I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. 

I won't them deleted off my credit report.
Product: Credit card or prepaid card

Ive been an American Express Bluebird member for a few years now and never had a problem until now. On XX/XX/2020 bluebird wrongfully suspended my account, my account is associated with my job so I get direct deposit and I also still have money on that card. On the same day of XX/XX/2020 bluebird locked my account due to me putting my password in wrong to many times on the mobile app because my phone screen is cracked. I then called bluebird customer service at 2 separate times and had to wait a total of 4 hours ... when I finally spoke to an agent I gave her all the info to unlock my account which included : my name, email associated with the account, my social security number, my date of birth, my card number, my answer to the security question needed to access online banking, and also the cash app card number linked to my account. After I gave her all my information she put me on hold and after 6 minutes she hung up on me. I called back and waited another 2 hours and got no answer, I then received an email stating that my account has been suspended. At the time of this suspension I was trying to buy my kids a box of diapers and something to eat, I had enough money on my card to make this transaction and I still have money on that card that I can not get access to. I really need help because every time I call the automated system says your account has been suspended goodbye and they hang up, Im a single father and I dont know what to do at this point.