23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover continues to harass me by calling and reporting an unauthorized account on my credit report. I have spoken to them months ago and they agreed to remove this account only to post it back months later. I am a victim of identity theft. My now estranged father assumed my identity and opened up to 20 accounts using my identity and computer. I have worked hard to get my finances back in order after this damage but Discover continues to harass me. I have filed both a police report and an id theft affidavit. I am requesting DIscover remove this account once and for all. Attached are my documents. Any further questions about this crime need to be directed to the XXXX XXXX Police Department, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I received several fraudulent e-commerce charges on my Kohl 's card and promptly called the company to report all of them as fraud and have them removed from my account. I spoke to  XXXX  on  X/XX/17   . The charges were as follows : ECOMMERCE PURCHASES #  XXXX  {$18.00} ; #  XXXX  {$5.00} AND {$110.00} AND #  XXXX  {$5.00} AND {$99.00} PLUS ALL OF THE INTEREST ON THESE FRAUDULENT CHARGES.   I then received a generic letter dated  X/XX/17    that my dispute was received and it was being investigated. In the meantime, I was expected to continue paying on these fraudulent charges. I then received a letter dated  X/X/17    that part of the monies were removed, {$26.00} and have been waiting since then for the remaining credits. And, still being billed and paying for these fraudulent charges.   On  X/XX/17    I sent an email to Kohl 's via their website advising that I was still waiting on the additional charges to be removed and would file a complaint if they were not received. I received a generic email back stating I needed to call, again, to get " more information ''. I just spent over 10 minutes out of my work day to try to reach them yet again to tell them the same thing and could not wait on hold any longer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal CREDIT CARD account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a PERSONAL CREDIT CARD account opened at XXXX XXXX  XXXX XXXX reporting under XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Transunion in regards to unverified and unauthorized inquiries that they are reporting on my credit report. They have failed to remove these erroneous inquiries from my report that are dating back to XX/XX/2017. I've also tried to call via phone to explain that these inquiries where impermissible and I asked that they DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

I got a letter in response to this as if i asked for inquiry explanation. 

They respond via mail " Ref : Explanation of the Inquiries on your Credit Report '' This isn't a through investigation of the issue. I didn't ask for explanation of Inquiries.
Product: Debt collection

In Louisiana, the statute of limitations for debt collection is as follows : 1. Open Accounts ( e.g., credit card debt ) : The statute of limitations is three years. This means creditors have three years from the date of the last activity on the account to file a lawsuit to collect the debt.

2. Promissory Notes : The statute of limitations for promissory notes is five years.

3. Written Contracts : The statute of limitations for written contracts is ten years.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 


XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Hello XX/XX/XXXX We recently had our roof replaced on our manufactured home. The cost was higher than we anticipated because the plywood and a few boards also needed replacing.We thought maintaining our home was a high priority, but apparently NOT to the bank that has held our loan for over 20 years CHASE Mortgage. We have diligently made our mortgage payments monthly with only about {$55000.00} left owing. Thinking we had enough equity to get a cash out refinance to pay the roofing company off XXXX continue our mortgage loan without over extending our financial monthly obligations, NO ... .. CHASE wasted our time and money, leading us on for months only to inform us that they were NOT offering these services to manufactured home owners. I was upfront and told them from the start ( XX/XX/XXXX. ) that it was a manufactured home on an acre of beautiful property still they proceeded with the loan process a very stressful process on my part.If CHASE doesn't want to help manufactured home owners then WHY do they even bother to take on or purchase these loans that's what they did to XXXX. Now we have to decide how to afford my husbands XXXX XXXX XXXX medications. He is an XXXX XXXX and on XXXX since being diagnosed with XXXX in XXXX of XXXX. Life is hard enough for him without having to worry about the roof leaking on him BUT apparently NOT to CHASE or should I say the XXXX XXXX XXXX 's of [ It's a Wonderful Life ] which is what they've become. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 52 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 52 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit card or prepaid card

On XX/XX/2022, my credit card was subjected to a Hostile Takeover of Account XXXX XXXX XXXX XXXXXXXX and {$2000.00} was taken as a cash advance and transferred to my savings account. 

Subsequent to the transfer to savings, there was an attempt to transfer the {$2000.00} out of savings which was unsuccessful as the account was frozen. 

The hostile actor changed my email address and password denying me access to the account. 

As requested by the bank ( Penfed Credit Union ), I have uploaded my Drivers license, copy of a telephone bill, social security card, and a notarized request to change my pass word. 

I have now received an invoice for {$2000.00}, which is for the {$2000.00} fraudulent cash advance plus interest and fees. The balance is due by XX/XX/XXXX and I have been unable to resolve this in spite of numerous calls to the bank.
Product: Checking or savings account

On XX/XX/XXXX I took a look at my bank account to see that {$920.00} had been charged to my account at a XX/XX/XXXX in the state of Maryland. I thought this was odd because I have never been there in my life. And I would not spend that amount of money at a XX/XX/XXXX on any given day. Especially considering the fact that I just recently separated from the XXXX  and am a XXXX veteran trying to survive out here. So, I immediately contacted Bank of America and started a claim. The people that I talked to on the phone all seemed to understand what was going on. Well, fast forward to recent. And their claims center and XX/XX/XXXX seems to disagree with the true story and are telling me they dont have sufficient evidence to prove it wasnt me. My XX/XX/XXXX account even had some random persons name and phone number to it. And my debit card information which I never put on my XX/XX/XXXX account. This makes no sense because I live in Texas and given my current life situations I wouldnt do something like that anyways. My bank statements even say the charges were in Maryland. I live in Texas! Apparently that isnt enough proof for them that it wasnt authorized. 12 years with them nowas you can see in the photos Ive attached the charges clearly state they were in Maryland. Not Texas, where I reside.
Product: Checking or savings account

ON XX/XX/2019 I made some bill pays on line with XXXX XXXX online banking 1 payment was made to The Money Source for XX/XX/XXXX payment. But by error XXXX XXXX made two payment checks and were sent. I have been trying to get a refund from The Money Source for 11 day 's. Customer service wanted a proof of payment i down loaded it and emailed it to them, after they received it and a few days pasted. With no response I called customer service had done nothing at all and then said they needed a copy of my bank statement showing the transaction. I went to my local XXXX XXXX branch bank and had them fax a copy of the transaction to XXXX on XX/XX/2019. In speaking to a customer care person at XXXX I was told they would overnight a check. I made a call today XX/XX/2019 to see why no one returned my call and was told it had not been approved as yet. I asked why? I was told they didn't know. XXXX needs to get there head out of there XXXX 's and send my check ASAP. 





































Answer no one know 's. but they would send a check and it would take 2 to 10 days to receive. Say what!! I am XXXX years old and on a fixed income and have bills to pay and need it now, I will be charged late charges on my bill 's and harm my credit score. I was told they needed to listen to the recording to see if they had been offered overnight as of now I'm waiting for that phone call.personal info on request. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled an account with chase and they are still reporting charged off instead of settled on my credit. I have the letter showing it is settled and they will not update credit to reflect that. They told me that the credit would be updated to reflect that and it is not.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax to let them know I would like to dispute the unauthorized inquiries that are reporting. I also let them know according to the FCRA these unverified and unauthorized items must be removed. They told me they are not able to remove them although XXXX and XXXX did it for me without any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX XXXX  so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This account attached has been removed many times, over the course of many years and keeps getting reposted by 2 fraudulent collection agencies, XXXX XXXX XXXX and MIDWEST RECOVERY SYSTEMS. This company has been reposting a false account for many years. I file a dispute and it is removed and then they repost it again. Sometimes the very next day. They're are 2 different companies that do this it seems. They take turns harassing me and hurting my credit report, especially since the covid pandemic started. they have been non stop posting to my XXXX  account and probably many others because they know people are desperate to get EIDL  loans and SBA is checking that reporting company.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute an issue with my consumer report. There are late payments showing for the months of XXXX and XX/XX/year>, but this is simply not correct. Ive always been on top of my payments during that time, and I dont understand how this mistake ended up on my report. This incorrect reporting isnt just frustratingits unfair. Its also a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to ensure the information they report is accurate. Additionally, this may violate New Jerseys consumer protection laws, which safeguard individuals like me from having inaccurate information harm their credit. Im asking for these late payments to be removed from my report immediately. This mistake is hurting my credit and could impact me financially if its not fixed. Id appreciate it if you could investigate this issue and let me know once the corrections have been made. Thank you for your time and attention, and Im hoping to see this resolved quickly.
Product: Mortgage

Wells Fargo has me sign documents to close my refinance in XXXX that were dated in XXXX but then had my first payment due date 2 months prior in XXXX of the same year. 
My mortgage is based on an illegal contract due to them refusing to put the due date after the sign and close date.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing accounts on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but this fraudulent item still remains.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Product: Student loan

Primary borrower filed bankruptcy in XXXX  for the loan. The company has recently gone through a lawsuit, and they have finally discharged the loan. But they are now saying they can remove the primary 's name off the loan and make me as the co-signer responsible for the loan now. I have researched and I don't see anywhere that this is what they can do. Also, the amount of the loans they are collecting for is not coinciding with the amount they are asking for the loans to payoff these loans.