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

CFPB, XXXX, Equifax, XXXX XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the XXXX marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. Unverifiable information : I'm getting really frustrated with this situation. This letter is formal notice that they have failed to respond to my dispute letter of [ XX/XX/XXXX ] within XXXX days. These accounts claim they have validated the accounts but how??? I never received anything saying I actually owe something. All I get are quick responses. Like : XXXX An itemized statement has been requested from our client and will be mailed to you along with verification of debt. 

I received nothing to have proof of any type of validation??? 

XXXX XXXX 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-DELETED But it still shows up on my accounts???? 

and XXXX XXXX GA Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1300.00} Status date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX I have asked for a validation as well and I have never received anything. 

XXXX Never received any type of mail from them. 

Hard Inquiries : I have never seen these accounts before XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Addresses : Please delete XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sorry I hope this all makes since I trying to write you and deal with XXXX children under XXXX. Nothing on my report has been validated from these collections. So I don't understand why they keep saying they have validation??? I am trying to live the XXXX XXXX and XXXX a home and a safe vehicle for my children to ride in but I can't because of these companies think people 's lives are jokes.
Product: Credit card or prepaid card

I have a payment agreement with Care Credit/Synchrony Bank since   XXXX   XXXX   XXXX   - payments are automatically drawn by creditor from my bank account on the first of the month. The following  have been paid, but are not showing on my credit report and they are reporting me 30 days late in  XXXX  (  which I was for   XXXX   ) and 60 days late in   XXXX   XXXX   and   XXXX   :   XXXX   XXXX   XXXX   {$46.00}   XXXX   XXXX   XXXX     {$18.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$35.00}   XXXX   XXXX   XXXX   {$40.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$75.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$77.00} ( per payment agreement ) I tried to contact the creditor by phone to discuss but the all phone # 's lead me to a 3rd party collector "   XXXX   '' who does n't have my account and have been told this multiple times today. Each time I was given either a new number to call or one  I already did and every one reverts right back to  XXXX . Beginning    XXXX   XXXX   XXXX    at   XXXX   XXXX  , I have called   XXXX   ( back of card ), given  XXXX , given  XXXX  again, spoke with  XXXX  (? ), given  XXXX , reverted to  XXXX  spoke with *uninteligible*   XXXX   and request to speak with manager - spoke with manager "  XXXX  '', given   XXXX  , called and was hung up on ( male rep ), called  XXXX  ( again ) spoke with  XXXX , given  XXXX , answered by   XXXX   rep again ( one I already spoke with ). Called   XXXX   ( from Care Credit website " contact us '' ), got   XXXX   once again and so requested to speak with manager - got  XXXX  again.  XXXX  told me " there 's a problem with the system ''. This final call was at   XXXX   XXXX  .
This is completely unacceptable! I 'm trying to reach the company to discuss my account and am unable to and have been given incorrect inform  ation each time.
Product: Debt collection

I have tried numerous of times to get XXXX to remove this fraudulent account. I have called and talk to numerous people about this account. every time i talk to one representative they move the collection to another collection agency. This account is not mines. I only ever check to see if XXXX comes to my residence which they do not. I have tried to resolve this account numerous of times with XXXX and no resolution. not only that XXXX have taken money out of my account numerous times for this account. i have a police report for identity theft and they keeping this account open is not accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fifth Third Bank, in collaboration with the " XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, have been forwarding and or have distributed fraudulent info, in the data bases, of all national Banking Financial Institutions, in America, in an effort to stop or discontinue me from applying for a new account, savings, checking, or otherwise. The Fifth Third Bank, has alleged that I have several Overdrafts, on my checking account, at acct. no. : XXXX, aba routing no. : XXXX, and other fraudulent usages of the account. Each time I mmake another application at another bank to apply for a Checking, and or Savings Account, the banking representatives state to me that they can not open the account, for the reasons that I owe Fifth Third Bank, {$80.00} Dollars, for a past overdraft! This payment had been delivered to FTB 's Credit Collection Bureau, located in XXXX, Ohio, ( addr. N/A ), I've never had any more than ( 3 ) temporary checks, so there is no possibility that I had any checking acct. overdrafts, which is an excuse to stop me from creating another banking privilege. I insist that Fifth Third Bank, officially correct the fraudulent data info, relayed to the XXXX XXXX XXXX, ( that may be an informal credit bureau correcting agency ), so that I may continue to access new banking privileges, that the Fifth Third Bank, were so insistent on refusing! This is intentional infliction of emotional distress, and I insist that a " CEASE & DESIST ORDER '', be entered against Fifth Third Bank, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a house fire that i had in XX/XX/XXXX, I had home owners insurance with Owen which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX Ocwen filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXX XXXX  XXXX FOR {$2800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Transunion is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the collection accounts listed below, which persist on my credit report despite your previous investigation. I request an immediate re-investigation of these items as their inaccuracies severely impact my XXXX XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, please provide me with the names and business addresses of each individual with whom you verified and validated the information. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FDCPA 15 USC 1692g, the agency was required to notify me in writing within XXXX days of the debt being placed on my report, which did not happen. As the original creditor, only I can validate this debt, and I do not validate it.
Product: Debt collection

I recently filed a complaint XX/XX/XXXX against XXXX XXXX   and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX   has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX   directly.
Product: Checking or savings account

MYSELF AND MY PERMANENTLY XXXX DAUGHTER RECIEVES SOCIAL SECURITY MONTHLY AND WELLS FARGO WAS THE FIRST BANK THAT I OPENED UP MY ACCOUNTS TO SO THAT OUR PAYMENTS CAN GO INTO, NOT KNOWING THAT THEY WOULD DO SUCH CRAZY THINGS TAKING PEOPLE MONEY OUT OF OUR ACCOUNTS, IT CAME TO THE POINT WHERE I NEEDED A VEHICLE FOR MYSELF AND ALL OF MY KIDS, ESPECIALLY FOR MY XXXX  CHILD, WE WENT TO GET US A XXXXXXXX XXXX AND A XXXX XXXX XXXX WAS EXCITED ABOUT IT BUT NOT KNOWING THAT I WAS MISSING MONEY TO PUT DOWN ON THE DOWN PAYMENTS OUT OF MY ACCOUNTS ALONG WITH OVERDRAFT FEES, I WOULD MAKE CALLS TO WELLS FARGO BUT EVERYTIME I GOT ON THE PHONE WITH SOMEONE AND ASK TO SPEAK TO A CERTAIN PERSON I WOULD GET PUT ON HOLD FOR ALMOST AN HOUR, SO I HANG UP AND TRY AGAIN, THEY WAY NEVER PLAYING FAIR WITH ME, SO ONE DAY I LOOKED UP THEY SAID THAT THEY WAS CLOSING MY ACCOUNTS FOR NONE PAYMENTS TO MY ACCOUNTS, WHICH IS IMPOSSIBLE BECAUSE ME and my child gets XXXX. And out of nowhere my accounts was closedXXXX XXXX came and they got ahold of me stating that they owe me {$500.00} or more in payments, I'm still waiting.
Product: Mortgage

I XXXX XXXX am appealing the loan modification denial. I am XXXX XXXX XXXX and a victim of elderly abuse. My son during the year XXXX pandemic was supposed to be paying the mortgage. But not until early XXXX did I realize he was not. I applied for a loan modification and have been denied. On my denial letter it states I do not make enough income to support my mortgage. That is incorrect, I have a pension and part time work and can afford the mortgage payment of {$2000.00}. It also states I was decline because the value of my property exceeds the balance of the loan. This is also incorrect. My property has equity and I am NOT upside down on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

An address is wrong It contains two alternate names
Product: Credit reporting or other personal consumer reports

Inquires on my credit report that should not be XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/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, XXXX XX/XX/XXXX please remove this unrecognized inquiries I contacted the credit bureaus and they ask me to report this to the FTC and send information in
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX
Product: Debt collection

The company ONE Main Financial Group has harassed me daily by calling my personal cell phone number from XXXX, XXXX, XXXX until this present day XX/XX/XXXX. Repeatedly! ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, ONE MAIN Financial Group sent a Sheriff Deputy to my house that tested XXXX  for XXXX  XXXX  and they could have possibly exposed me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the deputy was symptomatic and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.
Product: Debt collection

I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is Syncrony bank and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX : XXXX, Account name : XXXX  # : XXXX, Account name : XXXX BANK # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account name : XXXX has violated my rights. Section 611 of the FCRA ( 15 U.S.C 1681i ) 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Section 623 ( a ) ( 4 ) Section 607 B of FRCA. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to Experian and XXXX  incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS -- ( XXXX XXXX ) ( XXXX  )
Product: Credit card

I opened the disputes for wrong merchandise received on XX/XX/XXXX for XXXX $ from XXXX XXXX XXXX  XXXX XXXX. The merchant wouldnt come to get his products ( XXXX rolls of artificial turf ) and wouldnt issue a refund. 
Not only the Citi bank dragged the case into the XXXX, it sounds like they didnt read any of the proofs and docs i submitted to them. All they went with is the merchants response denying the charge. Case closed, investigation complete on XX/XX/XXXX! Unbelievable! They refuse to reopen the case and deny my appeal and I know I have a right to do that! 
Citi bank is the worst bank I ever dealt with, wish these charges were made with XXXX.
Product: Credit reporting

I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the bank and had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/XXXX. I was an employee that was effected and XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent me email that is attached dated XXXX, XXXX, XXXX. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all XXXX credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment entries reported on my credit profile associated with my account with Ally Financial. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors must ensure the accuracy of the information they report to credit bureaus. I have maintained a consistent payment history and have never been late on any payments. 

Despite my request for documentation to validate these late payment claims, I have not received any evidence supporting this assertion. Under 15 U.S.C. 1681i, I have the right to dispute information in my credit report and request that you investigate the accuracy of the reported late payments. Without sufficient documentation proving that I was late, you are obligated to correct my credit report and remove any inaccuracies. 

I urge you to review my account and the reported late payment entries. If you can not provide the necessary documentation to validate the claims of late payments, I request that you correct my credit profile by removing these inaccuracies promptly. 


Thank you for your attention to this matter. I look forward to your prompt resolution.