23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : SOUTHWEST CREDIT SYSTEMS Creditor : XXXX Creditor Account No. : XXXX Balance Owed : {$110.00} On XX/XX/XXXX a collection for {$110.00}, owed to SOUTHWEST CREDIT SYSTEMS, was added to my XXXX credit report. On XX/XX/XXXX I opened a despute challenging the validity of the collection reported by XXXX XXXX XXXX and requested the method of account verification and proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by XXXX XXXX XXXX via USPS Certified Mail on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. XXXX then marked the account as verified, never stating their method of verification. I then contacted SOUTHWEST CREDIT SYSTEMS via USPS on XX/XX/XXXX, requesting any proof of a contractual agreement between myself and their company. In response to that request I received a cover page with SOUTHWEST 's letterhead and a copy of a XXXX phone bill, not any sort of contract bearing my signature drafted between myself and SOUTHWEST CREDIT SYSTEMS . 

Both SOUTHWEST CREDIT SYSTEMS and XXXX XXXX XXXX have failed to produce any competent evidence showing a contractual agreement was made between myself and SOUTHWEST CREDIT SYSTEMS, therefore I demand that this negative and incorrect information be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, XXXX, and Transunion. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. XXXX, Transunion, and XXXX are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked XXXX, Transunion, and XXXX to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in a fraudulent account being opened with XXXX XXXX XXXX. I did not authorize or have any involvement with this account. 

Details of the Fraudulent Account : Company : XXXX XXXX XXXX Fraudulent Amount : {$30000.00} Fraud Began : XX/XX/year> XXXX  : XX/XX/year>XXXX  I submitted a dispute to Experian, including supporting documentation like my FTC Identity Theft Report, proof of address, and a copy of my drivers license. Despite this, the fraudulent account has not been removed. 

This inaccurate account is negatively affecting my credit report. Under the FCRA, I have the right to dispute and correct fraudulent or inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have fully paid XXXX their balance of {$130.00}. The information that is being reported on this account is inaccurate and in effect hurting my consumer credit profile and score. The presence of this inaccurate information is affecting my financial wellbeing and needs to be corrected immediately. This account should have never being sent to collections and i want the CFPB to supervise in the deletion of this account.
Product: Credit card or prepaid card

Bank of America will not work with me. My account is 6 months past due. However, they are saying it's only 2 months past due. What they are doing is charging fees and late charges again for month 1 and month 2. They advised they have to reset the account back to 1 month past due in XXXX. because they thought I had died. The account, had gone to estate back in XXXX. I never died. All I want to do is resolve this. I am not going to pay {$220.00} month in late fees and late charges. For some reason they called the wrong number to get the wrong info.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I want this removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX recently replied to me regarding a complaint, stating XXXX information furnisher verified the following bankruptcies as accurate verified - XXXX  XXXX XXXX  cases ; XXXX, XXXX, XXXX. Bankruptcies we're fraudulently filed in my name Identity Theft. I will attach the letters from XXXX stating Bankruptcies we're removed. I provided to XXXX ftc report, police report information. XXXX has been violating my fcra right 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer. 
12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address XXXX street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.
Product: Credit card

This matter is about my identity theft and use by criminals to obtain/use a card issued by Citibank. I was informed by Citibank in XX/XX/XXXX of potential misuse of a card for which their records noted me as a guarantor. I answered several questions, several times, and completed a fraud affidavit provided by Citibank. I also e-filed an identity theft report with FTC. 
In XX/XX/XXXX, Citibank issued me a form 1099C for cancellation of debt of {$3900.00}. Since the amount was not my debt, as I never authorized issuance of the card, I complained to Citibank to have a corrected form 1099C issued to the IRS with a copy to me. In XX/XX/XXXX, Citibank issued a letter acknowledging that a fraudulent application had been made in my name and the account had been permanently closed. However, even though the XXXX tax filing deadline is passed, a corrected form 1099C has not yet been issued. I am a senior citizen and this delay is causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

I have reached out to TransUnion several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
Product: Checking or savings account

I opened a personal and joint Online Savings Account ( OSA ) at Marcus by Goldman Sachs. The joint account was funded by electronic transfer in the following amounts XXXX account XX/XX/XXXX - {$1.00} XX/XX/XXXX - {$99000.00} XX/XX/XXXX - {$120000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - ( {$150000.00} transferred to personal account ) XX/XX/XXXX - {$120000.00} ( deposit from co-tennant ) On XX/XX/XXXX, I attempted a transfer to an external linked account at a third bank and the transfer was flagged for a " fraud '' audit. I was able to quickly call in and confirm the transfer and my account was unlocked. However, my co-tennant was not able to unlock her account after many attempts. She has even mailed in a notarized " affidavit of identity '' ( AOI ) as per request of the bank fraud department on XX/XX/XXXX. But 18 days later, they still show no receipt of the AOI. 

Currently, the principal balance in the joint account is {$250000.00}, plus interest paid. I have had no access to these funds for over 30 days. 

I asked the bank to return the funds in the joint account to the FUNDING account ( s ) until the account lock issue has been resolved, but they responded that this was not an option for " fraud '' reasons. This seems ridiculous because the funds are being returned to the funding account, whose provenence is known. The customer service team refused to escalate the issue beyond a first level manager to resolve this problem. They also refuse to accept electronic or photo versions of the notarized AOI to expedite the account verification process. 

There seems to be a business process issue in the way the Fraud department at Marcus by Goldman Sachs manages custody of funds received. Their account verification process relies only on delivered mail and they refuse to acknowlege that this is unreliable or that their mail processing team could have made a mistake. Additionally, the customer service team refuses to allow me to speak directly to the account verification team by phone. 

I can not believe that it is legal for them to freeze my deposits under a pretense of fraud for an indefinite period of time. At the very least, I should be allowed to return funds to the funding account.
Product: Credit reporting or other personal consumer reports

Approximately XXXX years ago, my life took a drastic turn when Chase Bank initiated unauthorized withdrawals from my bank account for an unknown XXXX, which later turned out to be a scam. Despite my repeated warnings and pleas to cease these transactions, Chase Bank continued to withdraw funds from my account without my consent. 

The ramifications of this unfathomable breach of trust have been devastating. I have incurred a loss of {$14000.00} due to these unauthorized transactions, plunging me into a financial abyss from which I am struggling to emerge. What exacerbates the situation is the interconnected nature of my other XXXX cards, which facilitated further unauthorized withdrawals. 

I vehemently refused to bear the burden of a scam I had no involvement with, yet the consequences have been dire. My once stellar credit score of XXXX has plummeted to a mere XXXX, rendering me virtually ineligible for any form of financial assistance or stability. The repercussions of this ordeal have been far-reaching, threatening my very livelihood and pushing me perilously close to homelessness. 

While Chase Bank has acknowledged their erroneous actions after discovering the scam, the damage inflicted upon me remains irreparable. Despite their admission of fault, I have yet to witness any tangible efforts towards restitution or resolution. 

I implore you to intervene urgently and decisively in rectifying this egregious injustice. I seek not only the recovery of the stolen funds but also the restoration of my tarnished credit and financial stability. Time is of the essence, as the weight of this ordeal grows heavier with each passing day.

I beseech you to consider the profound ramifications of inaction and to expedite the necessary measures to alleviate my plight. Your prompt attention to this matter is paramount, as it holds the key to salvaging what little remains of my shattered life. 


Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.

I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers however.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Profile has been damaged by Chrysler Capital with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently Chrysler Capital reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Product: Mortgage

New details on a previous complaint I made have been brought to my attention ; I am requesting proof that Bank of America had an " XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX. '' in the summer/fall of 2015. 

For reference, I am attaching official paperwork I signed/received during my mortgage application process during that time. 

Thank you, XXXX
Product: Debt collection

Complaint of Fraudulent Loan Charge of {$140.00} reported to the 3 Credit Bureaus by XXXX XXXX XXXXXXXX XXXX Collection Agent AmSher Collection Services on XX/XX/XXXX against me. 

Details of Complaint ( 1 ) I responded to XXXX XXXX XXXX XXXX web advert and purchased a cellular phone and paid {$30.00} as requested by the sales agent on XX/XX/XXXX. 

( 2 ) I was told by the sales agent that the cellular phone will arrive through XXXX XXXX in two days, he also said that I can cancel the purchase within 14 days for a refund. I waited until that weekend, Friday the XXXX of XX/XX/XXXX for XXXX XXXX to deliver the package, but they failed to deliver in 2 days as promised. 

( 3 ) I called XXXX ( XXXX ) around Monday the following week and told XXXX ( XXXX ) to cancel the purchase. I was told by the agent that the purchase will be canceled and if the package arrived, that I should not accept it, that it will go back to the warehouse. When the package arrived, I did not accept it instead I told the delivery man to return it back to the warehouse. 

( 4 ) The following month I noticed on my XXXX XXXX  account that XXXX ( XXXX ) was still charging me using auto pay for the canceled purchase. 
I then called my bank and complained about fraudulent charges from XXXX ( XXXX ), the bank investigated and made 2 reversals on XX/XX/XXXX and XXXX XXXX ( I highlighted the transaction on my XXXX and XXXX bank statements ) can be provided if requested. 

( 5 ) XXXX XXXX XXXX XXXX embarked on a fraudulent collection activity against me which I regarded as elderly abuse and harassment. 

( 6 ) Again, I noticed on my credit report on XX/XX/XXXX that XXXX ( XXXX ) collection agent, AmSher Collection Services reported a fraudulent loan charge of {$140.00} falsely opened XX/XX/XXXX on my credit report. 

( 7 ) I followed up and entered an online dispute on the 3 Credit Bureaus platform XXXX, XXXX, and XXXX that the reported loan charge of {$140.00} by XXXX XXXX XXXX XXXX collection agent, AmSher Collection Services was a fraudulent collection activity. 

( 8 ) XXXX responded and deleted the fraudulent collection activity from my credit report and notified me. 

( 9 ) I, therefore, repeat, I do not owe XXXX XXXX XXXX XXXX this money and demand the 2 remaining Credit Bureaus XXXX and XXXX to immediately delete this reported fraudulent activity of {$140.00}, reported by AmSher Collection Services and XXXX XXXX XXXX from my credit report XXXX 

( 10 ) I do not owe XXXX ( XXXX ) this money. It is a fraudulent activity, harassment and elderly abuse. 

I affirm that the information herein is true and accurate. 

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

This is a fraudulent account and it 's keep coming back as accurate
Product: Mortgage

On XX/XX/2020 I began a mortgage refinance application with Amerisave ( The agents name is XXXX XXXX ). XXXX told me ( a ) they will close the loan within one month, but likely within three weeks, ( b ) I wouldn't need to provide many documents at all, ( c ) XXXX also told me that she was able to wave the appraisal fee during our phone conversation, and ( d ) during the phone discussion she provided me with a loan quote, by which I agreed to move forward with the refinance application. She later emailed me with the rate quote but did not lock the rate. Amerisave required me to pay a fee of {$500.00} for 'loan processing ', which I paid at that time.

Over the next two months Amerisave continued to ask me for more and more documents every day. As soon as I uploaded the documents there were new document requested. On several occasions I asked XXXX about the status of the loan and that I wanted to lock the rate ; she repeatedly told me they were backed up and the rate couldn't be locked until after title work was completed. 

On XX/XX/XXXX I became suspicious about Amerisave, because everything they had promised me did not happen. I started a refinance with another mortgage company at that time, and over the next 30 days the new refinance company did everything they had promised and is now ready to close on my refinance loan. During this entire time I continued to work with Amerisave and I requested on several occasions for them to lock my rate and/or provide me with a good faith estimate or formal quote. On each occasion XXXX failed to do any of the above. 

It is now XX/XX/XXXX ( 4.5 months after my initial application with Amerisave ).

1. they have totally failed to perform, 2. they have all my financial information, 3. they charged me {$500.00} for application fee.

It is my opinion that Amerisave is a fraudulent company. It appears they are in the business of charging potential customers the amount of {$500.00} and that is their goal. If my suspicion is true, then I am very concerned about what they will do with my personal information because they have all my financial information at this point in time.