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

Problem with a credit reporting company 's investigation into an existing problem On or around XX/XX/2023 I received alert about an account called XXXX XXXX from XXXX XXXX. I filed police report and identity theft report with ftc.gov I mailed the documentation along with a request to block the fraudulent account to XXXX, Transunion, XXXX with proof of my identity. 

Around XX/XX/2023 & XX/XX/2023 the fraudulent XXXX XXXX account information was DELETED from all three credit bureaus But on XX/XX/2023 it was reinserted in my file I spoke with representative from XXXX who told me they can not remove the account AGAIN that I can not dispute it no more despite them already investigating and deleting the fraudulent account. 

n accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Product: Debt collection

I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous 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 Bankruptcy XXXX XXXX Discharged Reference : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiableaccounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifynotify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifyThese failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediateimmediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus. 

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Checking or savings account

So I bank with Wells Fargo Well recently some fraudulent claims have been filed Including the {$2300.00} down payment on my car And 2 rent payments XXXX and {$1000.00} I did not file these claims And the bank sent the money back While everything was being investigated And that money was spent It was loaded into an Apple Cash account And spent on something I did not make these claims and I did not spend the money When I first talked to a representative from Wells Fargo they couldnt tell me anything Well I went to go pay my rent last month and it declined and it said I was negative {$1600.00} And I had {$640.00} in my bank account and I was gon na pay the remainder of my rent in cash So {$640.00} went missing an was spent on a claim reversal credit and I didnt know what that was so that's when I first called Wells Fargo and told them what happened and they couldnt explain Now today I am {$2900.00} in debt to after the second claim reversal of {$1000.00} went through These are fraudulent claims and fraudulent transactions I have no idea how or why these claims were filed I didnt even know you could do that So Ive talked to Wells Fargo and they keep sending me to the claims department and I keep telling them these are fraudulent claims and the money they sent back was spent fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit reports XXXX, Transunion and XXXX, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
XXXX Acct # XXXX Report file # XXXX XXXX  Acct # XXXX Report file # XXXX Transunion Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was included in a cXXXX XXXX  that was field on XX/XX/23. The creditor did NOT show to the meeting or the creditors and was notified of the filing by the XXXX XXXXXXXX XXXX  XXXX of Michigan. The debt was discharged on XX/XX/23 and the creditor was notified by the court and I also emailed proof that the debt was discharged. However, the creditor then reported that this debt is over a 120 days past due when it was was discharged in XXXX XXXX XXXXXXXX  which is illegal. I am asking that this be removed due to legally they CAN NOT collect on this debt. I am trying to rebuild my credit and this caused my score to drop XXXX points when legally they should not have been allowed to report this debt because they can not college on the debt. This was discharged in XXXX legally I dont owe then a dime. It is not past due because it was discharged. I have also called and emailed this company several times and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the Credit Bureausr legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the Credit Bureausr investigation and the actions the Credit Bureaus have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Credit Report Entries from XXXX XXXX XXXX. 
Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate credit report entries from XXXX, XXXX XXXX have been reported to my credit file. Specifically, I have discovered XXXX accounts from XXXX XXXX XXXX reporting late payments dating from XX/XX/XXXX to the present. I am concerned that these entries are fraudulent, as I have never opened any accounts with XXXX, XXXX. 
Upon reviewing my credit report, I was alarmed to find that these accounts were linked to my personal information, and late payments have been reported that I did not incur. I believe that my personal identification ( ID ) has been compromised, and that someone may have opened these accounts fraudulently in my name without my knowledge or consent. 
I have already attempted to resolve this issue directly with XXXX XXXX XXXX, but unfortunately, my efforts have not resulted in any resolution or assistance from the company. Additionally, I have contacted XXXX, XXXX of the major credit bureaus, to dispute these entries and provided them with all necessary documentation to verify my claims. However, despite these efforts, the accounts remain on my credit report. 
I would like to formally request that these accounts be deleted from my credit report, as they were opened without my consent and I did not authorize any third party, including XXXXXXXX XXXX XXXX, to share my personal information. As a consumer, I am entitled to have accurate and fair information reported about my credit history, and I am requesting that you assist me in rectifying this matter. 
Please investigate this situation promptly and ensure that these fraudulent accounts are removed from my credit file. I have attached relevant documentation, including my dispute correspondence with XXXX XXXX XXXX, and my communication with XXXX, to support my case. 
Thank you for your attention to this matter. I trust that you will take the necessary steps to protect my rights as a consumer and to assist in the removal of these fraudulent accounts from my credit report. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX FTC Report XXXX XXXX
Product: Credit reporting or other personal consumer reports

Aidvantage is reporting late payments for the XX/XX/2023 student loan repayment. Due date is XX/XX/. On XX/XX/XXXX  the funds were processed and payment was received by Aidvantage, yet all of my loan accounts show an increase in balance, not a decrease. 

Payment made is in excess of minimum amount due. Payment was made prior to due date. Payment was processed prior to due date. 

Two attempts to call and discuss the issue with Aidvantage resulted in greater than two hours in queue for two seperate calls as the first call resulted in the representative hanging up, same result with the 2nd representative.
Product: Checking or savings account

On or about XXXX to XXXX, while checking my bank statement discovered 6 transactions done at 6 different ATM card # XXXX with Wells Fargo banks local here in XXXX for {$300.00} each and one for {$100.00}, not done by me but by some other people, ( the transactions it started on XXXX ), I call the bank. 0n or about XXXX and notified them, they told me they will send me another ATM card within 5 working days. I when to the bank again and they started a claim # XXXX. On XXXX the bank send me 2 letters, one with the temporary credit on the losses {$1700.00} XXXX resolution claim # XXXX for account ending on XXXX. And the other letter saying they will take back the temporate credit within 10 days. On 2 occasions I went to the Bank and they notified me the claim was decline 2 times. XXXX a lady over the phone at the Bank in California in charge of operations XXXX XXXX XXXX told me that I could go to the police station and file a complain, wish I did PD # XXXX XXXX XXXX. And again when to the bank and show them the police report, it takes 21 days for the report to reach the crime bureau.
Product: Checking or savings account

I originally opened a CD account with XXXX XXXX  which was taken over by united bank. Well every year sometimes twice a year united says i will be penalized for inactivity, now they say if this continues my account will revert to state of virginia. 
I am a XXXX year old in fixed income i count in those two XXXX $ CDs to help me survive, XXXX willing. 
Funny thing is everytime i talk to someone over the years, i originally purchased CD in i believe XXXX  or XXXX. Everytime the bank person assures me the info is used to prevent this hassle in future, now they threaten to give my money to state of VA. At this point un time, i feel they are either so incompetent or are really deliberately harassing me. I just want to close my account there, rather than be harassed ir lose my hard earned dollars.i want to take my money out without penalty, their misuse of my information is enough penalty. Please help
Product: Mortgage

I have recently had my mortgage refinanced in XXXX of 2020 through XXXX, within about a month they sold my mortgage to Mr. Cooper XXXX XXXX XXXX. Recently they updated my escrow, almost doubling my yearly escrow payment event though, after speaking with my XXXX XXXX assessors office, realizing that my yearly property taxes only went up by {$31.00}, and my property insurance went up about the same amount. Now my yearly escrow has almost doubled the yearly amount by several thousand dollars. My monthly bill now is almost the same as it was before refinancing even though my interest rate dropped from 3.125 % to 2.5 %. I asked Mr. Cooper to reanalyze and provide some proper explanation as to why this occurred even though my property taxes and insurance rates barely moved. They said they were going to have a supervisor re-review my account, they have not.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I have been involved in a Data Breach. After careful review of my consumer report I have noticed a few inaccurate accounts reporting. I have attached those accounts for your review. At this moment I would need the internal records of the accurate reportings of those accounts. If the can not be done in a timely fashion ( 30 ) days. I demand those accounts to be removed Immediately.
Product: Credit card

The late fee they are charging is 30.5 % of my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review. 
Thank you for helping me get this cleared up and the credit reporting agencie : Transunion, XXXX  and XXXX  to correct and remove all false reports
Product: Mortgage

Hello, My name is XXXX XXXX. I am well educated in finance and homeownership .I did go through the 2008 crisis. I do understand the XXXX main reasons the escrow accounts will go up. My issues are if your homeowner insurance is not even in ur loan ... .the city and county taxes have still same. Then why every year does my escrow account go up none of the reasons are ococcurring. I call chase they stated because my insurance and taxes come out at sametime but if i have the money and nothing has changed. It still should not go up every year my modification loan goes up some many years later i have a schedule but the escrow account seem to be a hide out to be robbed. Can someone pleaschange?
Product: Debt collection

I faxed Financial Credit Services a letter on XXXX XXXX, 2015, asking for information regarding medical collections they have listed on my credit report. On the letter, all account # s were listed. I received XXXX letters dated XXXX XXXX that only addressed XXXX of the XXXX accounts that I questioned. The letters I received acknowledged the receipt of my request and that they would place the account in a dispute status until they received documentation from the original creditor. Needless to say, as of today, I have yet to receive validation. I have contacted Financial Credit Services and spoke with XXXX, XXXX and XXXX who stated that they will not be removing the account although they have not validated the debt. I explained they ca n't continue to report an account that they have n't provided validation for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ). Inquiry Date XX/XX/2022 for JPMCB - Card Service. I have attempted to dispute this inquiry with all three credit bureaus and JPMCB. JPMCB agreed to investigate and remove the inquiries due to identify theft, however the inquiry remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yhis Company has called and called and called and We are sick and tried of being harrased by their calls at latet hours and early hours. When a class action suit is brought against them I want to be part of that class action suit! I do believe they are going by our last name and conffusing us with others in my Family.

Pleas shut this company down and all other that are out to harass.