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

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information related to this incident from my credit report and provide me with an updated copy of the report. 

ADDRESS CONNECT WITH FRAUD ADDED TO MY FTC REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to apply for a loan mod for _____180__ days, and was told I had a complete file XX/XX/XXXX and that I would have a response in 30 days. Then on XX/XX/XXXX they told me that you needed to submit additional documents this was the first you had heard that anything was missing as they did not send you a written notice that the file was incomplete. They are holding up my other application for emergency funds which then holds up my loan mod as well. The mortgage company also does not reply to my emails and has a history of telling me one thing via phone then telling me something exactly.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days
Product: Credit reporting or other personal consumer reports

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX XXXX XXXX XXXX Collection Acct : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

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

There are currently numerous accounts, addresses and names listed on my report that are a result of malpractice or an error.
Product: Checking or savings account

Wells Fargo closed my small business line of credit on XX/XX/XXXX WITHOUT notifying me that all rewards points would be eliminated. The rewards points ( XXXX ) were worth ~ {$1200.00}. After attempting to redeem the points on XX/XX/XXXX, I was dismayed to learn that all accumulated points had been eliminated. I called Wells Fargo multiple times and sent a formal complaint only to receive a phone call the week of XX/XX/XXXX stating that all rewards points had been cancelled and there was nothing they could do. I explained that NO notice was given regarding elimination of earned rewards benefits and that they were stealing from me. After the call ended, I called WF back and elevated the complaint to the 'executive offices ' but have received no further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than 4 business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$900.00}.
Product: Student loan

JP Morgan Chase Bank, N.A. sent the IRS a 1099-C for a student loan account from 20 years ago. Over the last 20 years I was financially unable to pay either unemployed or had too many financial debts. The lender refused to work out any kind of payment plan so the account became time barred about 10 years ago and now that I am employed they are using the 1099-C as leverage against me and retaliating because they can not garnish my current wages by lying to the IRS stating they forgave the debt in XXXX for which they never did, they never notified me of a debt forgiveness and they are trying to get another tax deduction for an unpaid debt they I am sure already received a tax deduction for and putting me in a position to have to pay tax on the debt. What business can get a tax deduction for an unpaid debt from years and years ago? If they are not gaining a tax deduction, then why did the submit the 1099-C if it is not an attempt to leverage the IRS against me or as retaliation for debts on their financial ledger they can not collect on because they are legally time barred? Since XXXX or XXXX the IRS changed their rule requiring creditors notify debtors of the forgiven debt within 36 months, now that that IRS rule has been eliminated it appears that the lender is taking liberty to go back years and years on time barred from legal action debts and taking a legal action anyway by filing a fraudulent 1099-C. I don't think the 1099-C can possibly be valid on such an old debt. This is consumer financial abuse for debts that are already time barred. The private student loans total {$19000.00} which is a great deal of tax I am being required to pay now. How can this be legal? Is it simply because a lender sends in a 1099-C?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of ID Theft. Upon my husband 's death early this year someone got his phone number and used it to access his XXXX Drive that had all our information. I put a credit freeze on my name. Somehow XXXX ignored the credit freeze and opened an account on my name that is NOT mine. Obviously the thieve is not paying the account. now my credit report is being damaged.
Product: Credit card or prepaid card

My laptop was stolen and my information was fraudulently used to open these accounts i never knew about
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to file a formal complaint against Capital One regarding a serious issue with an unprocessed deposit that has caused significant financial distress. Despite my repeated attempts to resolve this matter directly with the bank, my deposit has still not been credited to my account, and I am now facing the prospect of missing important bills and payments. 

The deposit was made on XXXX-2025, but as of today, XXXX2025, the funds have not appeared in my Capital One account. I have contacted Capital One multiple times to inquire about the status of the deposit and have received no answers, with waiting times of more than 120 minutes. Furthermore, after the wait, calls were not answered. 

This delay is not only an inconvenience but is putting me in a difficult position, as I have several bills and financial obligations due in the coming days. The failure to process this deposit in a timely manner is placing undue stress on me and threatening my ability to maintain good standing on my accounts, potentially damaging my credit and financial well-being. 

I have made every reasonable effort to address this issue with Capital One directly, but my concerns have not been adequately addressed, and the situation remains unresolved. I am now seeking assistance from the Consumer Financial Protection Bureau to ensure that Capital One takes immediate action to resolve this issue and properly credit my deposit.

I respectfully request that the CFPB intervene and assist me in obtaining the funds owed to me. I also request that Capital One be held accountable for any financial harm caused by this delay and to provide a settlement credit to my account for this issue.
Product: Checking or savings account

I recently discovered multiple fraudulent, unauthorized charges on my Ally Bank checking account. I disputed all of the charges in question on XX/XX/2022, soon as I discovered them. It's been over XXXX business days since I filed the dispute and Ally Bank has yet to provide provisional credit or provide a written statement. This puts Ally Bank out of compliance with Regulation E. 

I also haven't been able to access my account, Ally says I have to wait unti their investigation is over. I have verified my account, set up a new username and password, and security questions with an Ally agent over the phone. But they keep saying I can't access my account until the investigation is complete.
Product: Credit card or prepaid card

To explain this concisely- in XXXX I received a random credit card in the mail. When I called I was told it was merely an offer which I later learned was incorrect- as it turns out an existing account had been sold to their company. 

Since that time, they could not locate my XXXX payment and assessed a late fee. Both were later corrected however a second late fee then posted in error on XX/XX/21 and suddenly theyre trying to say that I am a payment behind which is not true. My invoice correctly shows a payment of {$35.00} due however, when I logged on to pay it, it mysteriously indica that {$35.00} was past due was a total due of {$70.00}. Not accurate. 

I have since paid {$35.00} ( for my XXXX payment. ) They have corrected my late fee but today I received a letter from XX/XX/21 ( the date the late fee posted ) that a payment was returned for insufficient funds. This never happened. Totally false. No payment was ever returned for insufficient funds. 

Everyone you get on the phone says something different. I have to start from the beginning each time. No one calls back. A person who isnt on top of their affairs and/or who isnt savvy in handling problematic issues like this would easily fall victim to the myriad of false information presented by this company. Whether their business practices are purposely deceptive or they are just truly inept, there is a huge problem with the way this company does business and it should be looked at.
Product: Credit card

Consumer Financial Protection Bureau ( CFPB ) : This is Wellsfargo dispute initiated on XX/XX/year> and today they closed the dispute as declined. 

Dispute Number : XXXX  Date Posted : XX/XX/year> Merchant Name : XXXX XXXX XXXX XXXX Amount of Transaction : XXXX  Card Number : XXXX  Status : Closed - Dispute Declined This is a wrong decision to close my Wellsfargo Dispute Number : XXXX  when I did not do any transaction with the merchant. 
Merchant was unable to resolve this issue. I did not authorize this service, but still getting charged. When I know that there is a charge showing in my account so I asked Merchant to cancelled this service, but still there is a charge showing. How this can be possible if this transaction is fulfilled because I don't have receipt. This is without my knowledge and I did not fulfill and authorize this transaction with the merchant.

I don't want to do business with them in future because this is unfair and poor service by Wellsfargo, if I am not getting my refund of {$470.00}.

I want my refund of {$470.00} from Wellsfargo in my account ending in XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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. 
XXXX  Account # XXXX ( input accounts ), 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 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 ) 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: Checking or savings account

I worked at a company for 4 years which had a health savings account option. I opened an account and had allocated a portion of my earnings to be put into this pre tax health savings account. I left the employment back in XXXX and had instructed my employer to close out any and all of my accounts that were in any way related to my employment. I believe in either XXXX or XXXX I received information regarding a new account and them charging me XXXX a month. I called and told them that I wanted the account closed. No information was provided, a check was never received and recently I got another statement still deducting the monthly fee. I called again and this representative although she was as rude as the first told me what I needed to do. These instructions or the form that needed to be filled out were never provided to me. They had to order me a new debit card so that I could use the remaining funds for medical bills. Otherwise I was told they could send me the money but there would be a XXXX fee to close the account. I was never informed of these disclosures and never authorized the funds into this account where I was charged the maintenance fees. There was no benefit for me to have this account and should have never been opened without me being advised of the same.
Product: Credit card or prepaid card

I have been fighting with this Navy federal about my credit in XXXX for the longest. I keep getting letters in the mail about me owing money on a credit card for {$1100.00} that I reported years ago as fraud on the acct and I have yet to get that fix. I have flied fraud 3 times and each time i keep getting letters saying its my fault. Everything I call i keep getting the run around about i need to speak to this person or that person and nobody is ever available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This are erroneous credit inquiries on my credit that I was unable to get remove in speaking with a customer service person. 
Thank you XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX DateXX/XX/XXXXXX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. On XX/XX/year> I have sent my FTC Report and my license to TransUnion. I have unauthorized accounts reporting on my consumer report. I will file a police report. I will be filing a civil suit also against transunion for violating federal United States Code.
Product: Debt collection

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : NAVY FEDERAL CREDIT UNION Account # : XXXX XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. 
Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Checking or savings account

Citibank has locked my account since 6weeks now, and have withheld my money both in my savings and checking account.I have called them severally and I haven't gotten any positive feedback or response.