23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I went to the ATM of Chase Bank located at XXXX XXXX XXXX XXXX. I tried to withdraw money from one of my accounts. I went there at XXXXXXXX XXXX so I could pay my utility bill early that morning. I had just received {$2000.00} from my XXXX XXXX XXXX XXXX. When I went to unlock my card it showed that {$1000.00} had been removed. When I put my card into the ATM it showed that it was not working. I waited until the bank opened and went in to speak to a banker. On my phone it showed a withdrawal dated XX/XX/2022 for {$1000.00} had been withdrawn. It showed my signature but I had not taken out any money. The banker checked my card and there was no activity on either XX/XX/2022 or XX/XX/2022. They told me that my ID was my passport so I showed them my passport. They actually asked me to fax it to them four times. I was then informed that they would not honor my claim.My bank statement shows I did not withdraw that money. I'm not really sure how it was done but I think I know who did it and they were not authorized to do it. I don't know how it was done and I had nothing to do with it at all. My statement shows I took nothing out at all. I feel the fraud department overlooked many things that showed I didn't do it. There are so many questions that I have and I have asked the bank to answer them for me and I have not received any answers or evidence pertaining to this. I explained it was not me and I had nothing to do with it. The fraud department then told me the decision was final. I feel they ignored a lot of evidence.Additionally why would they give me {$1000.00} when I didn't even have it. I think they would never give me any money if I did not have it in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them fro

m all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 10. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX  Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 13. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I bought >6k worth of furniture from XXXX XXXX XXXX. I opened a line of credit with the company at the point of sale. Apparently XXXX XXXX XXXX uses td credit card services. I have had ongoing issues with paying my bill since I got the first statement in XXXX or XXXX. 
Anyways, a late fee was waved in XX/XX/XXXX because of issues not related to anything I'd done. I paid regularly until XXXX, when I stopped receiving statements. Today ( XX/XX/XXXX ), I called and after being disconnected on and off for 10 minutes, I informed the customer service representative that I haven't received a bill in 2 months, and I don't want to be charged late fees for a bill I haven't received. I told her I WANT TO PAY, just wave the late fees. She investigated the case and discovered that my bill had been marked " return to sender ''. I never wrote that. I'd never received the correspondence. Anyway, she told me the late fees of about XXXX dollars wouldn't be waived, as I'd already had a waived late fee in XX/XX/XXXX. 

I asked to speak with a supervisor about the issue i.e. why am i being penalized for a mistake on the part of td card services or usps? Whatever the issue was had nothing to do with me, so my account should reflect no penalties. The customer service representative became upset and made it seem like my frustration was personally targeted at her, despite numerous statements indicating that I see her as nothing but a cog in a corrupt machine. She is powerless. Please let me speak to a supervisor. Instead, she told me explicitly that the call was being recorded. I said : let me speak to the XXXX that pay you. She screamed something and put me on hold, then hung up.on me. 

I told them when I was informed about being recorded that they should record me saying I'll be contacting the cfpb about td credit card services. I went ahead and paid the allegedly owed balance, hoping that your agency would help me get justice from these capitalist criminal extortionists. I paid, I believe, XXXX dollars or thereabouts. XXXX is late fees. Please help me get justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT EXPERIAN IS REPORTING 2 ACCOUNTS ON MY CREDIT REPORT, IN WHICH IT DON'T BELONG TO ME. THE 2 ITEMS I'M DISPUTING ARE BELOW : XXXX AND XXXX XXXX I RECENTLY FILED A CASE WITH THE CFPB CASE # XXXX COMPANY REPLIED BACK THIS : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 


I'M MORTIFIED BECAUSE I WAS THE ONE THAT CALLED EXPERIAN ON XX/XX/XXXX AND SPOKE TO A REPRESENTATIVE THAT ENTERED MY REQUEST IN, I REQUEST EXPERIAN TO LISTEN TO THAT CALL. I AM ON THE CFPB STATING I WANT TO DISPUTE THESE ACCOUNTS DUE TO IDENTITY THEFT. ALSO I WAS INSTRUCTED BY THAT SAME REPRESENTATIVE TO UPLOAD MY INFORMATION VIA THE THEIR WEBSITE, IN WHICH WAS THE POLICE REPORT FOR XXXX, FTC IDENTITY THEFT REPORT, AND MY ID
Product: Credit reporting or other personal consumer reports

I have already submitted one complaint with you XXXX. You emailed me stating it was resolved as it wasnt resolved. 

I need the dispute comments removed from the report and they have not been removed. I have contacted the company several times. I need them removed for mortgage reasons. Its for the XXXX account and to XXXX accounts. I have pictures I took today that I logged into the account and it shows the comments are still there. Please help me get them removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Product: Credit card or prepaid card

I purchased a dishwasher from Home Depot recently, within 2 months, and I have had issues with the way it was installed and some of the sound proofing flowed out of the machine after I found the door cracked due to the installation of the dishwasher. The installers apparently removed a small piece of molding that ran beside the dishwasher and it got caught in the door. When I ran the dishwasher, when I returned home there was water all over my flooring. The molding is now discolored. I have tried to contact the store and at first could not get anyone to even answer the phone in the appliance department. I finally spoke to the store manager and an assistant named XXXX. They promised someone would contact me, which has not happened. I purchased the dishwasher due to a leak and now my new dishwasher leaked on my hard wood floors and is now damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

We bought our home back inXX/XX/XXXX and took us long fight and hard work to keep our home after we got XXXX XXXX XXXX to Modify our mortgage then they sold it to XXXX XXXX  company who is made a big mistake on the escrow account which made us short XXXX on the escrow account after long long long negotiation and fight they agreed to their mistake and agreed to fix the problem. But they turned around and sold my mortgage to Fay servicing company and Fay servicing refused to fix it or help or modify the loan and they keep telling us to give up our home because we cant offered the payment and we are going to almost two years and the only reason we still have our house because we pay {$1500.00} a month to attorney office to protect our home and Fay servicing breached the contract after we agreed on after we dropped the small claim lawsuit against them because they say they will help us if we drop the lawsuit. 
I did talk to Fay servicing today XXXXto check the status of modification paper work we send 30 days ago and the gentleman I spoke too he told me your are denied for modification but approved for a short sale because I cant afford the payment also he say I Should sell and put money in my pocket because my house worth XXXX right now, I told no and Im going to sue them for discrimination and he say think about it and let us know.
Product: Debt collection

Afni, Inc. has placed an account that is unknown to me on my credit report. I filed on online dispute with XXXX on XXXX XXXX, XXXX however, the account is still updating and reported as 90 days late as of XXXX XXXX, XXXX. In the dispute I asked Afini to validate this debt, they are still illegally updating after I asked for validiation. Afni is illegally reporting this account to the credit bureaus and my creditors. First of all, the account is reporting a " One Month Term. '' What terms and agreements did I sign and agree to when Afni debt collector purchased the debt? None. 
The account is reporting as " 3 months late ''. How can this be? Collection accounts are not like original creditor accounts. Consumers do not open an account with a collection agency and promise to pay monthly payments. Afeni is NOT reporting the last status from the original creditor and they can not update lates on a monthly basis. 
The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, " ... A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' This account is showing a XXXX XXXX reporting date.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of Public Records being challenged in list form XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX I looked at my credit report onXX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

XXXX XXXX XXXX delivered bottle water to our home on XXXX in XXXX we then notified we would spend the winter months in XXXX XXXX so they transferred our account NO problem. We then relocated and notified them that we returned back to XXXX but this time they did not transfer they opened another account and left old address open. The driver went to old address called us and we had to re-iterate that we had already called and were back at our old address. XXXX XXXX. Onto used to Bill,  call, etc.. finally just wanting them to stop with the bill they were adding there own charges I paid them all there charges thinking totally done they would go away they cashed check on XX/XX/XXXX but then started getting calls from collection bureau of America at XXXX XXXX XXXX, XXXX XXXX CA XXXX account number XXXX. 3 times they told me they would contact this water company I supplied my cashed check with complain. This credit company is saying that the day the water company cashed in on my money is the same day it was sent to them now I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a letter stating that I was requesting my free annual report from Equifax. They sent a letter back saying that I was filing a dispute that I never requested. They've also stated that I am being under investigation for the dispute, I feel that they are trying to sabotage something with my credit file in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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

XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXXXXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from XXXX ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of XXXX. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however XXXX remained, claiming it was verified. On that same date, I also contacted XXXX and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to XXXX giving them authority. XXXX has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX  directing them to remove the XXXX account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the XXXX account. 

On XX/XX/XXXX I faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the XXXX account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from XXXX any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the XXXX account must be removed from my credit file.