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

This is my 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 Ihave signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Reinserted Account on My Credit Report To who

m it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by Equifax. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within five business days of the reinsertion of the
account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that Equifax : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that Equifax will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within five business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified mail tracking number XXXX to Experian XXXX. XXXX XXXX XXXX, TX XXXX containing a dispute letter with inaccurate information on my credit report. Experian received my letter on XX/XX/XXXX at XXXX XXXX. I waited for the results which according to the Fair Credit Reporting act the bureau has 30 days to respond with my investigation results. I did not receive any information from the credit bureau. 

I waited until XX/XX/XXXX to check for any results but was met with negative results. 

I then followed up with Experian by sending a certified letter tracking number XXXX on XX/XX/XXXX to the above address which was received on XX/XX/XXXX. 

I have not received any documentation that the letter was received and no information was removed from my credit report. I dont have a copy of the original letter on file but i have a print out of it if the bureau needs to see it to remove the items.
Product: Money transfer, virtual currency, or money service

Good evening, Regarding the current situation I am experiencing, I have fallen victim to a fraudulent scheme presented by the self-acclaimed XXXX banking web application, XXXX. To satisfy the requirements of this web application, it required the utilization of the Cash App mobile application, through purchasing and selling of bitcoin transactions. As of XXXX on XX/XX/2023, the initial transaction submitted involved an introductory amount of {$48.00}, with a corresponding withdrawal transaction at XXXX, XX/XX/2023. Throughout the utilization of the web application, XXXX, additional funds were requested repetitively to guarantee the retrieval of funds invested. This lead to additional transactions, " for verification '', of amounts involving {$1400.00} ( XXXX - XX/XX/2023 ) and {$1200.00} ( XXXX, XX/XX/2023 ). Per the terms and agreement requested notated in the communication with the representative from XXXX, article XXXX and XXXX involves the description of block rewards. Through the implementation of block rewards, fees sent with transactions are included in the block and validation of transactions are prioritized based on the total amount of fees included. Although validation XXXX be processed at a certain rate, dependent on the accumulated amount of fee submitted, it does not state transactions can be denied due to refusal of payment of fees upfront. As shown through support ticket # XXXX XXXX as well as Cashapp and my business of banking, XXXX XXXX, are in refusal of disputing or refunding the amounts initially deposited when requested as I believe this is entirely fraudulent.
Product: Credit card or prepaid card

I have had extremely bad experiences with PNC Cash Rewards redemption program. Their website has a button to " redeem rewards ''. It does not work even when you meet the minimum rewards balance. For the last four years, each month, when I try to redeem the rewards via their website, I get an error message. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. That group takes your information, and reconnects you to another group. After about 20-30 minutes, you can redeem them on the phone. I have called about this each month for the last four years, even speaking with the supervisor 's supervisor, and have been told that they are " working on it ''. They are always " very sorry for my frustration '' and give me a " direct number '' to call, next time. Each month that number changes. There is definitely something illegal about this tactic. No one should be put through all of these hoops to redeem the rewards they earned. 
Here are two phone numbers that are " direct '' to the rewards people : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  again with different address Equifax mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am disputing unauthorized credit inquiries and inaccurate accounts listed on my Experian credit report. Under FCRA 611, I request an immediate investigation and correction of these items. 

Unauthorized Hard Inquiries The following inquiries were made without my consent and must be removed per FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Accounts That Do Not Belong to Me The following accounts were fraudulently opened or incorrectly reported in my name and must be removed : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On Experian, my XXXX accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MISC Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

Wrong Action by Company : Nationstar d/b/a DR COOPER Property located : XXXX XXXX GA Put Consumer in Paperless - Knowingly Consumer Did not had an Online Account. 
For Bad Intentions and to blind fold Consumer as Dr Cooper : Increase payment by adding an unauthorized Escrow & Unnecessary. As Consumer Pays Insurance and taxes outside of mortgage-written proof for many years Monthly Payment of {$460.00} P & I only. Statements available from XX/XX/XXXX to XX/XX/XXXX Dr. Cooper added a `` county tax payment of {$15.00} '' on XX/XX/XXXX and Opened Escrow : increase Payment to {$750.00} then XXXX escrow ; then lowered to {$660.00} XXXX & I + with escrow.

My payments of {$460.00} they received monthly, 1st : placed unapplied then credit as " Adj - forbearance '' I never applied for any forbearance I only paid {$460.00} P+I never late. 
Mr Cooper sent my File to forclosure for a Balance of {$4100.00} including {$1300.00} inspections + legal fees- they did not allowed me to make payment I signed on only and found this bad action b our Lender...

Needed to publish -complaint so other Consumer don't go through this horrible situation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Representatives, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX This is a duplicate - please remove this item from my report. - I was never late on this account. REMOVE THIS NOW! ( XXXX XXXX  for failing to comply with their obligations under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) regarding the reinvestigation of a late payment on my account. 

I previously requested that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX remove a late payment that was incorrectly reported on my credit history. However, despite providing the necessary documentation and making the appropriate requests, the entity has not conducted a proper reinvestigation nor corrected the inaccurate information. 

According to 15 USC 1666 ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX required to adopt reasonable procedures to ensure the accuracy of statements and to correct any errors within a reasonable timeframe. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information in my credit report should not contain transactions or experiences that negatively impact my credit history without proper verification. 

Therefore, I request the CFPB 's intervention to investigate this non-compliance and take the necessary actions to correct the inaccurate information in my credit report. This situation is negatively affecting my ability to access financial products and other essential services. 

Thank you for your attention to this complaint, and I look forward to a prompt resolution.
Product: Debt collection

To Whom It May Concern, I am writing to dispute the following information that appears on my XXXX and XXXX credit report from XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am requesting validation of the alleged debt you are attempting to collect. I am exercising my rights to dispute this debt and to demand detailed documentation regarding its legitimacy. 

Pursuant to the FDCPA, you are required to provide validation before continuing any collection activities. Kindly provide me with : 1. Proof of Debt : Documentation verifying that I owe this debt, including a detailed breakdown of : The original amount of the alleged debt.

Any interest, fees, or other charges added.

Payments made ( if any ) and how they were applied.

2. Original Creditor Information : Name and address of the original creditor.

A copy of the signed agreement or contract that establishes my obligation to pay this debt.

3. Your Authority to Collect : Documentation demonstrating your legal authority to collect on this debt ( proof of assignment or purchase agreement ).

Proof that you are authorized by the original creditor.

4. Statute of Limitations : Proof that the statute of limitations on collecting this debt has not expired.

Until I receive these documents, I request that you immediately cease all collection activities, including reporting this alleged debt to any credit reporting agency, as required by law. Failure to validate this debt or comply with these requirements is a violation of the FDCPA, which I am fully prepared to report to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

Additionally, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that no inaccurate information regarding this disputed debt is reported to credit bureaus. If this debt is currently being reported, I demand that you remove it immediately until validated, as required under the law. 

Be advised that I am recording and documenting all correspondence regarding this matter, and I may use this evidence in any legal action to enforce my rights.

Please respond to this letter within 30 days of receipt. If you fail to respond with the requested documentation, I will consider the matter closed and take appropriate action to protect my rights. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had an account with Gateway Financial Solutions XXXX that was opened on XX/XX/2018. I had multiple mechanical issues with the vehicle but the dealer refused to take the car back. I was unable to keep up with the repairs and the payments and eventually defaulted on the loan. My taxes have been garnished twice and I have no idea what the actual amount that is still owed. When the vehicle was repossessed I didn't even receive a deficiency and surplus notice to tell me how much the vehicle sold for. I don't believe that I owe a balance of {$7600.00} for this account. I didn't receive any legal notices until I found out I was being garnished which leads me to believe that I wasn't properly served when Gateway Financial Solutions first initiated this action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately
Product: Debt collection

This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

This is a  XXXX   XXXX  loan that became delinquent  in  XX/XX/XXXX . A ccording to  XXXX   XXXX  guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency   in  XX/XX/XXXX . I t never happened.     Notice was sent to mortgage company o n  XX/XX/XXXX  that they were supposed to give a streamlined   modification. They still are not offering the streamlined modification and foreclosure is scheduled for  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX last year there were some hurricanes that affected several states including ours. We were contact by CHASE offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to CHASE. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/XXXX ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period CHASE wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.
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 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 : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2500.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ;