23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I dispute your position that my identity theft claim is unfounded. WHOM DO YOU THINK YOU ARE TO JUDGE ME ABOUT WHETHER OR NOT I'VE BEEN A VICTIM? It is completely baseless to claim that you have the authority or the legal standing to make such a decision. You can be confident that I will promptly contact an attorney to begin legal action if you continue with this wrongful denial. I demand that you follow the stringent legal procedures that regulate claims of identity theft. I am providing you with an official law enforcement agency report, duly filed with a federal agency, to underscore the gravity of my case. Let 's get this resolved as quickly as possible in the allotted five days. 

Unfortunately, it appears that my attempts to make this right have not been received well. It seems that your bureau has not taken the seriousness of my identity theft case into consideration, despite the significant proof I have presented. I feel abandoned, irritated, and powerless as a result of this lack of acknowledgment. 

I implore your bureau to acknowledge the seriousness of my identity theft claim and take immediate and decisive action. I request that you conduct a thorough investigation into the matter, validate the authenticity of my evidence, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek assurance that you will take steps to prevent the recurrence of such unauthorized activity in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Please be aware that if my concerns are not addressed promptly and satisfactorily, I am prepared to seek legal counsel and escalate this matter to relevant regulatory authorities to ensure that justice prevails.
Product: Mortgage

I am an attorney representing the borrower XXXX XXXX in her pending XXXX  XXXX case. XXXX XXXX confirmed plan proposes to pay off her lender PHH and her XXXX  XXXX case with a new loan on the property subject to PHH 's lien. 

Monthly mortgage statements sent to XXXX show a suspense balance of nearly $ XXXX and principal due of {$430000.00}. Yet when PHH submitted its payoff demand into the refinance escrow, the principal balance is essentially the same without crediting the suspense balance. 

I have sought information and back up documents from counsel for PHH who has previously appeared in this bankruptcy case but have received no sustantive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 TransUnion was sent disputes which they received and signed for with tracking number XXXX at XXXX XXXX  and they never responded to those disputes. The disputes were sent out via certified mail yet again on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive notification of dispute, let alone any results. Both sets of disputes are beyond the allotted timeframe thats required even if I considered the pandemic results time frame. That is ground for automatic deletion and violation according to FCRA. I would like every negative item removed immediately. And I would like to be compensated {$5000.00} from TransUnion for violating my rights and contingency to report inaccurate information causing me to be denied credit. I would like this update in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Department I found some Fraudulent & Illegal accounts and information on my credit report that I need Equifax to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. I have enclosed a copy of my Driver 's License, Social Security Card, and Bill for identification and verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all incorrect addresses from my credit report. This is the only address that I am associated with : XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I was notified that my Citibank account ( XXXX ) was blocked for closure. My account was opened as a child and considered a custodial account to my parents joint account. On XX/XX/2022 {$27000.00} was withdrawn from my savings account. Since that time there has been no accounting of this money. I believe that some may have been used to pay outstanding money my parents owed to Citibank. According to my records, {$7800.00} is left and and not been returned to me. Attached is my XXXX statement. I did not receive any statements since this time. I have called Citibank numerous times with no resolution sine XX/XX/2022. Citibank does not make this department available to customers by phone or for any written correspondence. I placed my money in my Citibank savings account to keep it safe and instead it feels that Citibank has stolen it. They have refused to talk with me or provide any accountability with the money in my account. 

Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

This is not my account this is not on my other consumer reports and this should be removed from my consumer report Im not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 ),
Product: Credit reporting or other personal consumer reports

The inquiries below should not be on my credit report. 


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

I recently received a letter in the mail notifying loans with a collection agency. After some research I found that two loans I had with Nelnet, loans " I '' and " J '', had been sent to collectors and set into default status. I was not notified of late payments or notice of approaching default status. After reviewing my personal records with corresponding information given to me via phone conversation, I found these loans had been submitted to default status in XX/XX/2016 without my knowledge. In my review, I found documentation sent to my address I've used for years with Nelnet, of a 60 days past due notice in XX/XX/2016 for the loans in question asking for payment before they became delinquent in total of 90 days past due, yet Nelnet had already sent to collections. I then made a payment in XX/XX/2016, as I was told this would help all of my past due loans from being delinquent. However, since I was not informed of " I '' and " J '' already filed as defaulted, this payment was not applied nor was it communicated that said loans were out of their hands. Now these loans have been in default for 3 years without my knowledge and have accrued almost {$2000.00} in fees and are being handled by a debt collector.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637  ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

A substantial amount of {$3600.00} vanished from my Chime account over six months ago, and despite my diligent efforts, the issue remains unresolved. I have cooperated fully with the banks requests to address this matter, but my funds have yet to be reinstated. Furthermore, another company has disclosed a data breach impacting millions, and I have submitted relevant documentation, including a police report, company letter, and personal statement. However, law enforcement cited the claims magnitude and data breach nature as limitations to their assistance, redirecting me to Chime and the merchant. This marks the second security breach of my Chime account, linked to Claim ID : XXXX, previously approved. The disparity in claim resolution is troubling. As a XXXX  XXXX  and XXXX veteran, relinquishing over {$3000.00} is unacceptable. The suspicious transactions appear international, yet Ive been denied merchant information and contact details despite repeated requests. Throughout multiple rebuttals, Ive received vague denials lacking clear explanations, and my requests for managerial intervention and provisional credit have been ignored. Chimes inaction has caused considerable hardship, forcing me to secure a high-interest loan to avoid homelessness. A comprehensive explanation from a manager is overdue. I was promised this issue would be resolved by XX/XX/year>. The lack of follow-up and resolution is disappointing and has caused me inconvenience.

I would like to emphasize the importance of this matter to me and kindly request immediate attention to this issue. If there are any further details required to expedite this process, please let me know, and I will be happy to provide them.

I appreciate your prompt attention to this matter and look forward to your swift response. If I do not receive a resolution by [ insert a reasonable deadline, e.g., one week from the date of this letter ], I may have to consider other avenues to address my concern. 

XXXX XXXX.
Product: Student loan

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a security ledger from their student loan servicer. This right extends to both federal and private student loans. The FCRA requires that servicers provide consumers with a free copy of their securities ledger once per year upon request.
Product: Consumer Loan

CAPITAL ONE AUTO FINANCE WENT ON MY CREDIT REPORTS WITH OUT WRITTEN APPROVAL 2 TIMES.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding incorrect information on my credit report maintained by XXXX. The debt listed does not belong to me, and despite my requests, XXXX has failed to provide documentation to verify the accuracy of this information.I have previously asked XXXX for evidence supporting the debt 's validity and a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ), but they have not provided the necessary documentation or properly investigated the dispute.As a result, I am requesting that this incorrect information be removed from my credit report, as it is not my responsibility and no valid proof has been presented to substantiate the claim. 

Details of the situation : Sun loans company written off at XXXX this debt is not mines the debt in question does not belong to me. 
I have requested proof from XXXX, but they have not provided any documentation or evidence. 
XXXX has not conducted a proper investigation as required by law. 
I request the CFPBs assistance in ensuring that this incorrect information is removed from my credit report and that XXXX complies with the law by properly investigating disputes and providing the necessary documentation. 

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts below are the accounts I disputed against : XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been an ongoing complaint for an collection account that shouldnt have ever occurred. Recently Ford through out process here identified they would correct the issue by letter. since that has happened my credit score for this account has been altered 3 times and still the information is not correct. im not sure what is going on with Ford and what they are telling the credit bureau. The last letter identified they would do this. Ford Credit is closing the account and will report the account as a Paid Charge Off with a XXXX balance.. and that has not happened and the account shows up and doesnt show up and my score has been adjusted by XXXX points just recently for a dispute resolved code entered on my credit report. this is getting out of hand. Its very upsetting to be continued to be dragged through this process and i feel i have been more then adequately patient. i keep hearing excuses on the behalf of Ford while they drag me through the court process and destroy my credit. I dont understand why this continues to happen? Ive been trying to get a car now for months and this incorrect accounting that has been going on and time frames Ford is stating continues to not happen then i am held responsible and accountable for errors or things Ford doesnt do. i really dont care what reasons the lawyers say. when it comes to me paying my bill i have to pay on time and if i pay late i get a fee, and i have to pay money to get an extension. i could have my car repoed. all these things if im not accountable and responsible to follow through on my end. now Ford seems to be playing with my credit, dragged me to court and now said they will clear my balance finally with the credit bureaus but still havent followed through. this is really unfair business. this is really impacting my life tremendously by informing me wrong and then dragging me through this process because of things Ford doesnt follow through with after they do all these things to drag my life through the dirt. I dont appreciate it! i would like this issue closed and i would like my credit corrected No charge off No balance due. just remove it from my credit so we can all move on with our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. My address before that one was XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Experian was once reporting this correctly, but now they have removed my current address and replaced it with another address I have not lived at. These two addresses I just listed are the only addresses that should be reporting. Due to Experian doing this it has caused me to not be able to access my credit file in order to monitor my credit report. This is illegal and I have contacted Experian to fix this with no results just none stop phone transfers. I have provided my drivers license and light bill for my current home. 
Attached is two different documents with my current address listed. My drivers license has not been updated and is displaying my last address which is listed. XXXX  has a long waiting list for out of state drivers license. I lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for the past 2 years and have recently moved to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. 6 months ago. This address was on my report up until recent is when it was removed. Add my current address on my file as it is stopping me from viewing my report. 

THIS IS NOT A DUPLICATE DO NOT CLOSE THIS REQUEST. EXPERIAN HAS RECENTLY REMOVED MY PERSONAL ADDRESS AND HAS LOCKED ME OUT OF VIEWING MY REPORT.
Product: Debt collection

Experian keeps reporting a account that was already removed once before. Some how this account has appeared back on my credit. 

XXXX XXXX XXXX XXXX Confirmation of removal # XXXX.
Product: Credit reporting or other personal consumer reports

Company reported late payments on my report which is a violation of XXXX.S 15 Code1666 B and 15 U.S Code1681illegal reporting of late payments and permissible purposes
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/2019, XXXX XX/XX/2019, and this is not showing on XXXX. The Date of Last Payment is missing on the report. Also, this charge-off account shows a {$22000.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.
Product: Mortgage

I have been unable to make over the phone perdon-to-person direct contact to converse with on any matter related to my home loan mortgage account status including the currently assigned single point of contact ( XXXX ), anyone within the XXXX 's unit, or the XXXX 's supervisor. The Bank of America customer service representatives I have been able to get on the telephone do not count as they do not have access to the information I need and have been trying to connect with the XXXX to get. I have left several messages with the XXXX and have yet to receive any response addressing my multitude of concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} Bank of XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX : {$3100.00} XXXX : {$2900.00} XXXX : {$430.00} XXXX filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- Equifax, XXXX and XXXX. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for XXXX years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.
Product: Credit card

I was XXXX  and during that time my credit card was used to purchase items. before my XXXX  my card did not have a balance and I did not owe any fees. Once I got out XXXX XXXXXXXX  i received late payment bills for charges on my card. I reported the charges, and the company still has not corrected the late payment report on my credit report nor did they credit me back for the fraudulent charges that I paid in order to stop the store from reporting late payments. I did not give any one permission to use my credit card for anything and my credit card was home in my wallet while I was XXXX.
Product: Debt collection

i am a victim of identity theft and has attach a copy of my FTC report below for your reference, this alleged debt is not mine and needs to be deleted.