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

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 
Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX  TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : XXXX. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

On XX/XX/XXXX I received a copy of my credit reports from TransUnion, XXXX, and XXXX. Those credit reports contained inaccurate information on my credit reports. I have reached out to each credit bureau asking requesting them to show me proof that the information on my credit reports are accurate and each time, they have failed to do so. I am becoming very frustrated with the response of these bureaus as I have mailed them proof of my identity and address and each time they have corresponded with only copies of my credit reports. The following information is incorrect on my credit reports from each credit bureau : XXXX XXXX XXXX reporting a late payment of 30 days, I was never late XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof The following inquires I did not authorize XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XX/XX/XXXX The inaccurate reporting on my credit profile are causing harm to me as a consumer. I have given TransUnion, XXXX, and XXXX plenty of time to respond to me and show me proof of where these debts and inquiries have originated from and they have not given me any such information. My rights as a consumer have been violated and I have the rights to take legal actions against them.
Product: Credit card

I used a Citi personal credit card to purchase a new coffee machine online, from XXXX. The coffee machine that I received would not power on, so as soon as I discovered that, I filed a service request with XXXX. They sent their own service technician who confirmed that the machine is defective. I declined repair, because I didn't pay to buy a defective machine- I expected to get a brand new product that worked. My request to XXXX to replace the product was denied. So I disputed the charge with my credit card company, Citicards ( or Citibank ). Citicards has determined that I am responsible for the charge. They requested no clarification from me after I submitted the initial dispute with supporting documents for evidence, have provided no call back number or email to get in touch with them. I have no visibility into how they determined that I must be responsible, as they have provided no reasoning to back their determination. 

The precise details, dates, etc of the dispute that I filed are as follows. " On XX/XX/XXXX I purchased online from XXXX a countertop coffee machine. It was delivered on XX/XX/XXXX. On or around XX/XX/XXXX I plugged in the appliance for the first time, but it would not turn on. I submitted a warranty service claim with XXXX. On XXXX, XXXX, XXXX XXXX XXXX came, examined the machine and confirmed that it would not turn on. I refused repair, since my purchase contract was for a new appliance that works. I requested replacement on the same day, however XXXX 's employee XXXX XXXX responded on XX/XX/XXXX that the request is denied and that the appliance must be serviced. I find this unfair - I paid for a new appliance and it is normal and understood that the appliance that is sold will work as advertised. '' In addition, I also filed complaints against XXXX with the California XXXX XXXX XXXX XXXX and XXXX, because I live in California and the machine was delivered there, as well as New Jersey Division of Consumer Affairs, because XXXX XXXX is incorporated in New Jersey. The CA division has notified me that this is not the type of complaints that they handle. The NJ division has delegated the complaint to XXXX County Office of Consumer Affairs in XXXX, NJ, as they have jurisdiction.
Product: Checking or savings account

There were two unauthorized transactions from my account. Each one were one separate dates. On XX/XX/23 {$400.00} was taken out at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. And the other transaction was on XX/XX/23 {$100.00} was taken out at another ATM but at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those dates I was visiting family for XXXX XXXX weekend at XXXX, XXXX. I did get a hotel at XXXX XXXX. I thought at first my funds were low for the hotel deposits. And when I was waiting for pizza I ordered on XX/XX/23 I looked at my statements and noticed those unauthorized transactions. I called my card company and reported it. I told them I have my card with me so how was my card used at an ATM machine? I told them I only use ATMs that they suggested cause of no fees ( I had a bad experience where I was charged twice, so I don't use that ). American Express Serve closed my card and sent me a new one. They told me to fill out the dispute for both dates and they will investigate. I filled and sent it out and waited. I got an email saying " Recently you inquired about your charge ( s ) from your Serve card in the total amount of {$500.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. '' I called the customer service and told them how was it authorized when I didn't authorize it? I got no help. My co worker told me to just keep sending a dispute. to keep fighting. I send a second one and again I received the same answer. I'll be sending a third one in a few days. How is it that I'm a good hard worker ( working so many hours, barely getting sleep, living paycheck to paycheck to get by ), when thieves can just come by and snag my hard earn pay and get away scot free? We trust the banks to do their jobs and to help their customers. That's what I do at my job. I care about my customers because it's them that pay your paycheck. They give you business. I would like them to do their jobs in actually do some investigating and get my money back that I honestly earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention in my file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$79.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$3300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

I send out a dispute letter with Equifax which the received on XX/XX/2017 and I never received anything back of their investigation. I sent them a Letter to inform them that I was sending them a copy of my letter and they are not in accordance with the 1629e ( 8 ) of the dept collection practice act. I also sent out letters to XXXX and XXXX and received an investigation response but nothing from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Consumer Financial Protection Bureau, I am writing to dispute two late payment entries on my credit report that were reported by Capitol One Bank, XXXX. The account in question is a credit card account that I have held since XX/XX/XXXX. I have disputed this with Capital One but XXXX did not take it off my credit report. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, two payments were made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Capital One account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ) with Capitol One. Throughout my time of service, Capitol One was very supportive of my military commitments, and they extended their support to me during my financial hardships and always applied my benefits to me so that I was able to maintain a credit history. Although I am now a XXXX XXXX XXXXXXXX veteran, I still appreciate what they have done for me in the past. I would like to request that Capital One remove the two late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Capital One Bank to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Capital One Bank remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter. I look forward to hearing back from you.

Sincerely, Consumer
Product: Checking or savings account

On XX/XX/year>, I opened a Citi Regular Checking account to manage my money. However, on XX/XX/year>, Citi Bank sent me an email telling me that my account would be closed because I violated the client manual. The only actions I have done with this checking account were to transfer funds between my accounts, sending XXXX, and paying my credit card bill. Most importantly, the money left in the account ( around XXXX dollars ) was withhold by Citi Bank.
Product: Mortgage

Lost my job as a XXXX XXXX XXXX XXXXXXXX. Tried working with my servicing company SPS XXXXtrial mod set up for XXXX XXXX, and unable to make last payment.Just a bit shy of the XXXXThey won't accept anything but full payments.Started another trial mod XXXX XX/XX/XXXX .First required payment was to be bank check or XXXX XXXXXXXXI made the XXXX or so payment on the XXXXXXXX of XXXXXXXX.Went to make the second payment in XXXX from my checking and SPS stated I never made XXXX payment.Went down to XXXX XXXX and they had put in the wrong account number.SPS not willing to work with me on accepting next 2 payments.Submitted all XXXX XXXX paperwork with wrong account number visible. Loan mod taken off table. Another loan mod offered XXXX XXXX with a higher payment in the XXXX or so. Made all 3 payments and was called by SPS that I hD to sign acceptance of loan mod.They told me to sign online and guided me on how to do this since I am not computer savvy. I signed online and they told me " all set '' .I told them I was worried as there was a time deadline and she said '' I will also send this over by Email to my boss ''. Went to make XXXX payment and they said mod was withdrawn because I did not sign in pen and return papers.I said I signed online, they tell me no ... it has to be a hardcopy and returned.XXXX payment refused by SPS.Called Atty XXXX XXXX again and after a deposit and 3 more payments to her of XXXX her firm told me they could not help me.I said... well I had paid you over XXXX and you did not take me through to the final phase of hardcopy signing.They can not help me... and they told me good luck.Called Attny XXXX XXXX, XXXX office who was trying to guide me and I could not continue with him as I lost my job and am not collecting unemployment, even when I was collecting it was XXXX a week. 
So now I am getting another proposed mod with a payment of close to XXXX from SPS.I can not keep going up in payments as I lost my job due to Covid, and they won't refinance at a 30 year term.I am 16 years into a 30 year term now.Financing for another 30 would help tremendously in lowering my payments.SPS tells methods not what we are offering. '' I now have paperwork from their attny XXXX XXXX XXXX that her office has marked the short calender matter " ready '' for court. 
I feel that they have given me the run around, each time raising my payments monthly sometimes up to XXXX higher a month when I have no job secured as yet and not accepting XXXX XXXX as making an error, and them telling me that e signing on the computer I was all set. 
I feel I'm being punished here as much of this was not in fact my fault and now they want a payment close to XXXX more. .I have been trying to find a job, last night I went on Indeed and saw that I have submitted my resume 81 times. SPS is not really helping me when in fact I need the payment back down to the original amount of about XXXX. And I need to have the loan at a new 30 year re finance to really help me stay in my home.I have been here since XXXX.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A YOU Equifax have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Current Name Inquire Type Inquired On XXXX XXXX Unspecified XX/XX/year> XXXX  Unspecified XX/XX/year> XXXX  Unspecified XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

Experian is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and XXXX. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. Experian has blatantly broken THE CONSUMER LAWS. 

( XXXX XXXXXXXX ACCOUNT : XXXX XXXX
Product: Mortgage

We closed in the purchase of our home i XXXX, XXXX. Since then our loan servicer has changed twice. We are required to escrow our property taxes, PMI, school taxes and home owners insurance. In XXXX XXXX New York our school taxes are due XX/XX/2022. Our taxes went unpaid, in the amount of : {$3100.00}. They were not paid as of XXXX XXXX so i called customer service and was assured it was an oversight and they would be paid. In XXXX we received our property taxes, now, including the school taxes and late fees, and our property taxes which are approximately {$890.00}. I again notified our mortgage Company. Who paid both the school- which will be rejected- because the taxes are included on the property tax. I have several issues : 1. I contacted the loan servicer by email, phone and no one understands what im talking about. 2. i should have to pay late fees that were the fault of the servicer. 3. I have received zero explanation 4. Now, because they dont understand how taxes should work, they have over escrowed us by {$5000.00} for the XXXX  year-and thats not correct. It increases my monthly payment and will directly influence my ability to pay.
Product: Debt collection

The Thomas Agency has tarnished my credit report by trying to collect money on behalf of Maine XXXX XXXX XXXX. I am XXXX and have had full medical insurance for over 10years through XXXX and XXXX. So there is no possible way for me to have unpaid medical bills in that time period and anything before 2010 it should be removed from my credit after 7 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we were advised that the two party repair check issued by XXXX XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX was cashed on XX/XX/XXXX by Hancock Whitney Bank in XXXX, XXXX XXXX without XXXX XXXX XXXX XXXX signature or authority. We filed a forgery claim through the insurance company and it was submitted to the bank on XX/XX/XXXX. We reached out to Go XXXX XXXX. since then and have not received an update from the bank in regards to resolving the matter.