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

I am frustrated to see my Credit Report with no changes with the items I am disputing. I have been sending dispute letter to the Credit Bureaus asking favor that they remove the fraudulent item from my Credit Report since these items are completely unknown to me. I was a victim of identity theft and this is the letter I sent on XX/XX/XXXX was already my third request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I need the following items removed from my Credit Report now : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dear CFPB Investigation Team, Re : Complaint Regarding Improper Investigation of Experience Credit Report Dispute I am writing to express my dissatisfaction with the investigation conducted by Experian regarding the dispute I filed concerning my experience credit report. Despite my efforts to have the errors corrected, the investigation was inadequate, and the inaccuracies remain uncorrected. 

Unfortunately, the investigation conducted by Experian failed to properly address my concerns. The response I received did not provide any meaningful resolution or explanation for the disputed items. Specifically, [ state the problems with the investigation, e.g., failure to consider evidence, incorrect information, lack of follow-up ]. 

I request that the CFPB investigate this matter further to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) and properly investigates consumer disputes. I would appreciate it if you could look into this matter urgently and take necessary actions to correct the errors on my experience credit report. I will also like for all incorrect item cleared off my report. 



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

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

This is my 2nd attempt 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 items 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 items listed below in my personal file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Asked them to validate the debt, they only sent copies of a bill claiming its mines but it's not! They're not sending me of what I've asked, which is signed documents by me. They still cant/dont have proof its mines.
Product: Vehicle loan or lease

Hello. Please help me. I have been trying to speak with Chase Auto for a few months because they are hurting my credit. I have spoken with them many times. I have tried to plead with them and also to reason with them, but they don't care. I have tried to send them letters explaining the situation, but they don't respond. It is very sad that Chase Auto is just deciding to hurt my credit for no reason at all. Please help me.

I have never paid 30 days late in my life. I didn't pay 30 days late to Chase Auto either. They are marking me XXXX days late for XXXX of 2023. I have proof I didn't pay them late either. My XXXX payment was due on XX/XX/XXXX. That same day I called Chase to try and make a payment over the phone. It was a Friday. Chase told me the department which handled auto payments was a different department and they had to transfer me. When they tried to transfer me, I was told that department wasn't answering, and they may have closed already. I asked if I could pay them since the other department was closed, but they said no. They gave the number to the other department, but I couldn't get a hold of them. I then tried paying online, but their online system would not allow me to schedule a payment for same day. I paid them anyways because I never pay late, but the system scheduled the payment for the XXXX XXXX  XXXX. It would not let me pick an earlier day. I also have proof of that. 

I called Chase the next week and I told them what happened, but they didn't care. Since then, I have been calling numerous times since it wasn't fair that Chase wouldn't take my payment over the phone and their online system would not accept payment for the same day either. I keep getting excuses or people that don't want to help me. Because I am a XXXX XXXX my credit is important for equipment and supplies, and this is really hurting me. Please help me as this is costing me business and money.
Product: Mortgage

My wife and I are co-borrowers on a mortgage loan with Ditech. My wife recently went into bankruptcy ( I did not ). Since this happened Ditech only gives me very limited access to my online account. I have no idea the amount of my next payment ( it was raised for some unknown reason ) and my online statements are blank. The only way I have account access is to call their bankruptcy department and they keep me on hold for 45-60 minutes before they answer the phone. I asked for my payment schedule in writing and they refuse to provide it. It would be nice to know how much I owe each month.
Product: Checking or savings account

On XX/XX/2020, I attempted to make a deposit into my Huntington Bank checking account by using a XXXX XXXX XXXX ATM, located at XXXX XXXX XXXX XXXX, XXXX. Upon depositing {$190.00} cash into the ATM, the machine gave me an error message and created a Deposit Exception Record. My account was not credited nor was the cash returned to me. 

The following day, I spoke with some employees at the XXXX XXXX Bank about this. They explained that I would need to have Huntington Bank file a dispute with XXXX XXXX to receive my funds back. 

I then explained the situation to the employees at my local Huntington Bank, located at XXXX XXXX XXXX XXXX XXXX. They assured me that they would handle the situation. A few days later they confirmed that they had taken care of everything and my account was credited for the {$190.00}. 

The next day, my account was debited for {$190.00}. XXXX sent me a vague letter stating that the credit was " not needed. '' I worked again with a banker at the local branch. They were not able to find out much and told me to again contact XXXX XXXX. 

I again contacted XXXX XXXX. They were able to confirm that they had found the {$190.00} cash in the ATM after it errored. However, they explained that they could not give me the money back unless XXXX filed a formal dispute with them ( which they apparently have never done ) or issued a Hold Harmless letter. 

Since then I have contacted XXXX numerous times to explain the situation and ask the bank to do one of these two things. This includes several in person visits to the bank along with about 3 calls to the XXXX number. XXXX employees appear concerned, but do not seem to actually be able to do anything. I have NEVER received any communication back from XXXX after making my request. They will not even issued me a letter my request, they simply ignore it. 

I do not know what to do at this point. XXXX is completely uncooperative, and XXXX XXXX has made it clear that they will not return my money without a dispute or hold harmless letter.
Product: Credit reporting or other personal consumer reports

I got some hard inquiries that I dont recognize some of them happen back to back, I will love if you can help get rid off them, thank you so much! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ally financial 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, credit repair services, or other personal consumer reports

On XX/XX/18, i received an email from XXXX stating there was a change made to my credit score. Upon review of this information, there was a suspicious inquiry made with XXXX on XX/XX/18 in an attempt to open an account in my name. This is a fradualent account and this inquiry has lowered my credit score. A phone number ( XXXX ) was also added to my credit report and this number does not belong to me.
Product: Checking or savings account

I attempted to reach Capital One investigation team at XXXX earlier today, XX/XX/20, I was on hold for over fifteen minutes and no one picked up.. My attempt to contact is in regard to prior CFPB complaint ID XXXX and investigation ID XXXX, a check intercepted and signed in my name. My call was to inform the rep ( s ) I was able to reach the other party whom cashed check, was able to obtain funds from the party after speaking for over half a hour over the phone.. I wanted to inform the investigator to close the case out, however, I was unable to reach any reps via phone.
Product: Checking or savings account

On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank.

I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. 

To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts. 

XXXX XXXX account # XXXX is reporting a paid charge off an account that also was not opened by me. I am a victim of identity theft these company continue to report negative inaccurate information on my credit profile violating my rights. No validation with my signature has been submitted. We are prepared to sue the bureau depending on the response. There are consumer laws that are in place to protect the consumer and the bureaus as well as these companies are in clear violation. How can I submit a dispute and then minutes later the response is the account was unchanged based upon our processing. There is no way an account is validated that quickly. Remove these fraudulent accounts asap. These are in clear violation of my rights.
Product: Credit reporting or other personal consumer reports

i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PENTAGON FEDERAL CR UN

Contact XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $5000 THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Goldman Sachs, or Apple Card have been harassing me for the past few weeks with calls after calls after calls. Violating 15 U.S. Code 1692d ( 5 ) - Harassment or abuse and 15 U.S. Code 1692d ( 6 ) - Harassment or abuse These violations call for monetary relief as I have provided proof of harassment.
Product: Mortgage

I am in the process of a refinance. All of my paperwork is submitted, and I have been approved. The new loan company, XXXX Mortgage, is all set. The title company, XXXX XXXX, is all set. I was supposed to close today, XXXX XXXX. But the current loan holder, Seterus, has not issued the necessary payoff quote. XXXX XXXX made a request on XXXX XXXX, but it was denied because they did not use the internal Seterus form. They were never told that they had to use this form, even when on the phone with them. I was not notified of the denial. I have a secure email inbox on my Seterus account, and they did n't put a notice in there, only a notice that a fax request was received. So I submitted a payoff quote request online on XXXX XXXX. Upon submission, a note comes up that says give them up to XXXX business days. But when I call, they tell me it *might* take XXXX business days but maybe longer. All requests for expedited service are denied. Their communication has ranged from nonexistent to wildly unhelpful. I can only reach customer service reps by phone, and they will not escalate my request, saying instead that " everybody has a story. '' I am told by many people in real estate that the practices outlined above by Seterus are highly unusual. I feel like my loan is being held hostage by a predatory lender.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report.

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record.

I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed.

I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable )
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX and my XXXX XXXX XXXX XXXX has been doing business with XXXX XXXX XXXX for over twenty years. An email from the owner ( XXXX XXXX ) stated in an email that the company had changed the receivable procedures and requested that I send a wire transfer for the balance of {$21000.00} owning on the XXXX XXXX. I had obtained a XXXX XXXX XXXX to satisfy this payment because the client still had not paid their receivable to me. 
The request was a follows : Beneficiary Name ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The wire was sent on XXXX from XXXX Wells Fargo XXXX XXXX XXXX to the Wells Fargo bank listed above : Amount {$20000.00} Fees {$25.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Message to recipients bank : XXXX XXXX dollar wire transfer fee deducted from total due Status Pending Confirmation : XXXX On XX/XX/XXXX, I called XXXX XXXX XXXX enquire receipt of the funds. He never got them because the email was fraud : XXXX. There was an extra T in his email address. This was a compromised email address. 
There are the following reports filed : XXXX, Police report XXXX REPORT : XXXX The FBI ARE ALSO NOW INVOLVED WITH THIS Wells Fargo has XXXXdvised that my funds were taken by a mule monier, and the wells fargo bank could obtain a refund of the {$20000.00} from the beneficiary bank. 

MY COMPLAINT IS THAT THIS WIRE WAS FROM A WELLS FARGO ACCOUNT TO A WELLS FARGO FRAUD ACCOUNT, AND WELLS FARGO SHOULD HAVE CAUGHT IT! 
XXXX XXXX XXXX  OPERATES THEIR BUSINESS FROM A WELLS FARGO ACCOUNT. 

THE Wells Fargo BANK HAS INSURANCE FOR THIS, AND I AS A CUSTOMER FOR 30 YEARS, WAS NOT REIMBURSED FOR SOMETHING THEY SHOULD HAVE CAUGHT.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few years, I have made several attempts to remind you of your duty Pursuant 15 USC 1681. It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making another attempt to have these errors remedied on my consumer report. Credit file received on XX/XX/2022 contained 9 deletions which in essence is an admission of guilt using my credit file negligently, illegally and improperly.
Product: Mortgage

I tried doing a modification back in 2011. Wells Fargo had me jumping threw all kinds of hoops and laughed at me when I was in contact with them then would not take my calls or email whenI thought I was close to my modification I was in foreclosure and had to take out bankruptcy to protect my home. They were not helpful at all
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. 

As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. 

I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment for Late Payment Dear XXXX XXXX XXXX XXXX  , I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding a late payment reported on my account for XX/XX/XXXX. 

Due to [ briefly explain the situation that caused the late payment, e.g., unexpected financial hardship, medical emergencies, etc. ], I was unable to make the payment on time. This situation was an anomaly in my payment history, as I have consistently made my payments on time since opening my account in XX/XX/XXXX. 

I value my relationship with XXXX XXXX and have taken steps to ensure that my payments are made promptly moving forward. Therefore, I kindly ask for your consideration in removing this late payment from my account as a gesture of goodwill. It would greatly help me maintain a positive credit history. 

Thank you for considering my request. I look forward to your positive response. 

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

I sent information to Equifax for dispute of inaccurate information that Equifax is reporting on my credit profile on XX/XX/21 and it has yet to be resolved. The results still remain as " under investigation '' The conformation for this dispute is XXXX. Thank you.