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

I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Have a collection on my credit report. Do not have a contract with Convergent Outsourcing for balancing of XXXX to pay. Was staying on a XXXX XXXX base during XX/XX/2015 that did not support XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent inforamation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission 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  shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX Account open date : Someone has opened an fraudulent account on my name using my Identity for this account for which I am not responsible. 

Please remove this account from my credit file. 

I challange the company to provide me the proof for opening of this account by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested a Validation Of Debt under 15 USC 1692g and a request for Disclosures from Lexus Financial Services and Toyota Motor Credit due to the wrongful actions described in the letter, In fear that the wrong company and/or entity was benefiting from my intellectual property so i sent certified mail of Validation Of Debt Request, Tracking Number : XXXX which was received XX/XX/2023. As soon as it was received there was a post on my credit According to the FDCPA They CANT Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt OR Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. 


As they have done both and posted the debt without specifying the debt as disputed while sending me a letter stating they will stop all further collections of the debt and on the other hand, posting on my credit. 



It's been well over a month and I have not received any Validation Of Debt So i called the credit bureaus XXXX, XXXX, and XXXX asking for them to remove the account which they are refusing to and my guess is because they don't have the power to do so. I asked them how are they able to post without validation and they said only require confirmation from the " creditor '' and it's up to them to send It to me, when i explained they are not sending it they told me to contact you guys. I've already sent cfpb the validation of debt letter around the same time I sent it so they'd have record of it and now I am trying to get it removed since the alleged " creditor '' and/or " debt collector '' wont provide none of the information required in 15 USC 1692g XXXX
Product: Checking or savings account

I hope this letter finds you well. I am writing to seek your urgent assistance in overturning a denied claim that I recently filed with Wells Fargo. As a consumer, I believe in the importance of accountability and fair treatment, and I am reaching out to you for guidance and intervention in this matter of utmost importance. 

Allow me to provide some background information on the situation. On XXXX, I filed a claim with Wells Fargo regarding fraudulent charges. I carefully followed all necessary procedures, submitted the required documentation, and provided a detailed account of the circumstances surrounding my claim. However, despite my sincere belief in the validity of my claim, I received notice from Wells Fargo on XXXX XXXX stating that my claim has been denied. 

This denial has left me feeling frustrated and helpless, as it directly impacts my financial well-being and undermines my trust in the consumer protection measures set in place. Recognizing the importance of accountability and justice, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance and guidance in overturning this denied claim. 

I firmly believe that the CFPB has the expertise and authority to objectively assess the matter and ensure that justice prevails. I kindly request your intervention to thoroughly review my claim, examine the evidence provided, and assess the actions and decision made by Wells Fargo. In doing so, I am optimistic that the CFPB can help overturn the denial, providing me with the rightful resolution I deserve. 

Enclosed with this letter, you will find all relevant documents supporting my claim, including correspondence, receipts, and any other pertinent information. I trust that these materials will assist in your review and evaluation of my case. 

Moreover, I kindly request regular updates on the progress of my case and any actions taken by the CFPB in response to my request. Please feel free to reach out to me at XXXX or XXXX if additional information or clarification is required. 

I am immensely grateful for your attention to this matter and your ongoing commitment to protecting consumers ' rights. I firmly believe in the mission of the CFPB and trust that, with your intervention, justice will ultimately be served. I eagerly await your response and the resolution of my claim. 

Thank you for your time and consideration.
Product: Debt collection

Today XX/XX/19 this company called my son, wife, neice and nephew and said they were going to send this to XXXX XXXX XXXX and said it was urgent that I contacted them.
Product: Credit card or prepaid card

I sent Capital one checks to pay my account and they held the checks for an extremely long time and then marked my account late. Then to be sneaky they didn't cash the checks I sent but turned around processed the payments via ACH and didn't return my checks to me. I didn't want any payments going through my account via ACH. I never gave them permission to do this and they did it anyway. Now my credit is suffering for late payments that were not late.

I need to know where my checks are?

I also need to know why were my checks ran as ACH without my permission. 
I also need you to remove all the negative remarks that are not accurate.
Product: Credit reporting

I am very concern as I was checking my  credit score and  noticed there is a capital  one cr edit card with a limit of {$500.00} under my name. I have no credit card of any kind. This card is not mines but it is under my information. What do I do to correct this. Someone stoled my information and took out a credit card under my name but I have no idea who.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and incomplete information on my XXXX credit report. Despite my efforts to resolve this matter directly with XXXX, they have willfully declined to provide verification information and correct the inaccuracies. 

The inaccuracies on my credit report include different account numbers, different dates last reported, reported last dates, and last payment dates. Additionally, there are several accounts and addresses listed that do not belong to me, including accounts with XXXX XXXX, Attorney General, XXXX Funding, and Dept of XXXX XXXX. The names and addresses associated with these accounts are also incorrect. 

These inaccuracies have had a significant adverse impact on my life, including difficulty obtaining credit, higher interest rates, denial of employment, and difficulty renting an apartment. According to Texas consumer law, any inaccurate information that has been willfully or unwillfully reported must be removed after XXXX years. XXXX 's failure to comply with this law and the Fair Credit Reporting Act ( FCRA ) has caused me undue hardship. 

I request that the CFPB intervene and ensure that XXXX conducts a thorough investigation, verifies the accuracy and completeness of the information with the original furnishers, and removes all inaccurate and incomplete information from my credit report. I also request that XXXX provide me with a written confirmation of the results of their investigation and notify all creditors and other users of my credit report of the corrected information. 

Thank you for your attention to this matter. 

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

One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. 

These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. 

I have been on the phone with XXXX now for XXXX and have not gotten anything fixed or verified yet.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( DO NO OPEN A REINVESTIGATION ) ( I OBJECT TO A REINVESTIGATION ) I SENT DISPUTES TO THE CONSUMER REPORTING AGENCIES FOR ACCOUNTS THAT WERE INACCURATE, UNVERIFIED AND HAD INACCURACES IN THE PAYMENT HISTORY, STAUS DATE/DATE OF LAST ACTIVITY THAT WERE DIFFERENT BETWEEN ALL XXXX BUREAUS EQUIFAX, XXXX, AND TRANSUNUION THROUGH THE CFPB COMPLAINT PORTAL. THE CREDIT REPORTING AGENCIES RESPONDED BACK SAYING THAT THE ACCOUNTS I DISPUTED WERE UPDATED AND VERIFIED. I SENT A REQUEST FOR THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH ACCOUNT I HAD LISTED WHICH IS MY RIGHT UNDER THE FCRA. ( I OBJECTED TO ANOTHER REINVESTIGATION OF THE ACCOUNTS ) ( ALL I REQUESTED WAS THE METHOD OF VERIFICATION USED TO UPDATE AND VERIFY THE ACCOUNTS AS ACCURATE THAT MUST BE DONE WITHIN 15 DAYS OR THEY HAVE TO UPHOLD WHAT I REQUESTED IN MY DISPUTE TO THEM ABOUT THE ACCOUNTS ) THEY DID NOT GIVE ME THE METHOD VERIFICATION. THEY DID ANOTHER REINVESTIGATION ANYWAY AND JUST SAID THE ACCOUNTS WERE UPDATED AND VERIFIED. ( THEY MUST UPHOLD WHAT I REQUESTED IN MY DISPUTE TO THE BECAUSE THEY DID NOT GIVE ME THE METHOD OF VERIFICATION IN WHICH THEY ONLY HAD 15 DAYS TO COMPLETE AND GIVE TO ME ). SINCE ( THEY DID NOT PROVIDE THIS INFORMATION TO ME IN THE TIME ALLOWED, THE LAW HAS BEEN BROKEN. ) THEY ARE REQUIRED TO DO THIS AND WILL BE HELD LIABLE FOR INTENTIONALLY VIOLATING THE FCRA. DELETE THESE ACCOUNTS : ( STATEWIDE CREDIT UNUION ) ( XXXX FUNDING ) ( XXXX & XXXX ) -- -- -- UPDATE THE ENTIRE PAYMENT HISTORY FOR THIS ACCOUNT TO PAID ON TIME, PAID AS AGREED, NEVER LATE : ( XXXX )
Product: Checking or savings account

On XXXX XXXX we made an in branch withdrawal of {$500.00} and received {$500.00}. About a month later on XX/XX/2022 Wells Fargo automatically deducted another {$500.00} stating the {$500.00} withdrawal was cashed for {$1000.00}. This is false. A week later I received a letter with a phone number to call for questions. I called on XX/XX/2022 to file a dispute and research request. I never heard back. I called again on XX/XX/2022 and provided the reference number. The representative stated a dispute/research request was not filed. A new research request was submitted with a promised resolution of no later than XX/XX/2022. I did not receive a resolution. I called on XX/XX/2022 and was told there was no resolution and was transferred several times and provided several not working phone numbers. The new case manager advised me to call the branch to dispute the withdrawal and provided me with the phone number of a branch in another state. I explained to him that it is the wrong branch ( out of state ) and he insisted that it is the right branch to contact. I tried calling the actual branch several times and no one picked up. My final call resulted in the research team escalating my case and promising a call be Thursday XX/XX/2022. 

A bank should not be able to unilaterally deduct money from accounts without cause.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed all my accounts with Wells Fargo due to inability to reach my advisor to execute trades and very poor/ non existence customer service located in foreign countries and suffered losses as a result. Wells Fargo charged fees to close my accounts as follows : XXXX ( {$120.00} ), XXXX ( {$120.00} ), XXXX ( {$95.00} ), XXXX ( {$95.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF EDUCATIONXXXX  XXXX, DEPT OF EDUCATIONXXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX.
Product: Mortgage

I have tried to contact and get an explanation from my lender as to why my escrow account is- {$8100.00}. They refuse to give me an audit or date or explanation. 

I lowered my homeowners insurance from {$4700.00} to {$3200.00} annually. 

I made a $ XXXX payment to escrow.
Product: Bank account or service

I have been a Bank of America customer for XXXX plus years. I am beyond confused and frustrated with the way my account is handled. XXXX is not consistent and therefore I end up paying the price. In XX/XX/XXXX I paid {$730.00} in overdraft fees. I ca n't say with certainty that all of those were justified fees. Customer Service reps ca n't explain why policy seems to fluctuate, and often do n't communicate in the tone of their voice that they really care. I utilize this account primarily for the XXXX Pay service, and automatic payroll deposit. I deposit a check weekly ( Fridays ) into this account from my XXXX account to cover all scheduled bill pay recipients. I previously made the deposits on Thursday nights after XXXX, to avoid the BofA account going into negative status, however the checks would post to BofA that same night, triggering a NSF fee from XXXX. My other payroll does n't go into XXXX until Friday morning around XXXX. So I now make the mobile deposits on Fridays to avoid fees from XXXX. 

Last Friday XX/XX/XXXX I made a deposit of {$1700.00} at XXXX pm. That checked cleared XXXX the same day. BofA put a freeze/hold on that deposit and several of my bill pays were flagged as NSF, including my mortgage and not paid. Again, the check deposited was from the same account that has been used weekly for several years. I went thru my email notifications to see what time the other Friday deposits were made and here is what I found. Please note none of these deposits were placed on a freeze/hold and none of my bill pays were flagged as NSF, all were processed. 
XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} 10:20 pm Please help me understand what is happening. I just got off the phone with a BofA XXXX and was told the deposit on Friday could not be verified by XXXX, so a hold was placed. That check cleared our XXXX account that same afternoon. 
Any help you can provide would be appreciated. 
Thank You,
Product: Debt collection

First issue is this company used multiple numbers without caller ID in attempt to find me Calls from XXXX ( Arizona ), XXXX ( ohio ), XXXX ( Texas ), XXXX Minnesota. 

Then when they did they identified themselves as debt collectors. My statement was Affordable care act said it would be 10 % of Student debt - I was told the first time it was more like 15 %. 

Next time i was contacted the person tried to verbally guilt me into giving them my debit card and make a payment on the spot ( without any documentation or anything to say who this company is ) I suspected a scam artist at the works and yes they are. I was transfered to a supervisor who wanted my email so she could email the information. 

I asked for a hard copy I want all documentation on what you have. The company printed the email. Then sent me a loan application for consolidation with an expired date from the date they mailed. never saying clearly what interest rate they are offering. Shady business for sure ( I had to ask for hard proof multiple times to the supervisor proving who they are ) Under my present loan I am at 3 % and another and 3.5 - They want me to agree to their terms and raise it to 15 but be on the loan rehabilitation program. Did I get anything that said the interest rate offered? NOPE. They will not give it. 

I had to log into student loans and check the debt myself - which actually thier numbers does not match Student loan debt. 

I am one of these people I need to read over with a highlighter and see what actually pertains to me. There is a small print in my laon that says i have the right to consolidation with a mean inbetween the 2 interest rates. They did not follow any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I am directly submitting this complaint with no external parties involved. I have included letters that describe in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported by XXXX, XXXX, and Equifax.