23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. XXXXXXXX XXXX XXXX XXXX I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a fraudulent account on my XXXX report for multiple times since last year. It's a secured Bank of American Credit Card account, opened in XX/XX/XXXX with an address where I lived in XXXX. 

This is like the sixth time, I try to dispute it. And on XX/XX/XXXX, when the last time I disputed it, in the XXXX dispute center, a message says this fraudulent account was already deleted. But I just noticed earlier this month the fraudulent account is still in my report right now. I dont know if it is because XXXX put it back later or if it has never been deleted at all. 

I contacted XXXX representatives again, and they suggest again that I should contact Bank of America directly and get a police report. 

So I contacted Bank of America again, spent hours on the phone. I convinced them to double check again and again. However, they can still only found 4 accounts in total, with 2 accounts that directly associated with my SSN, and 2 other accounts that I was an authorized user. And none of these accounts match with the fraudulent one. 

I tried again to get a policy report. But the local police precinct said they cant file a report if the creditor cant even confirm the account exists in the first place. 

I requested the credit report again from XXXX and XXXX, and neither of them reported this fraudulent account.. 

Both Bank of American and the local police department suggest again that I should contact XXXX directly to resolve this. Because it appears to us that the XXXX is literally the only one that has the information about this fraudulent account and is able to do something. 

I'm clearly a victim of identity theft crime, and I have been calling and mailing XXXX, and uploading through their websites since last year to try to fix it. 

BUT, every single time, they just simply start a new dispute, and wait another month to send me a report says something like " This item remained unchanged from our processing of your dispute in XX/XX/XXXX. '' And again, their phone reprehensive tells me to contact Bank of American and Police department. BUT Bank of American couldn't even find this account and Police department can't file a report for non existing account. 

So every time when I contact XXXX, no matter how many times I have to explain to them, they just push me into the same path again and again. I am really exhausted running in their dead loop. And this account is charged off and every employer and creditor can see it. It is damaging my career and threatening my live. 

It's a secured card with only XXXX limit opened in XXXX with an address from 5 years ago. I have been using unsecured card since XXXX and moved every year, and XXXX has record for those. 

Everyone else could easily see this is a fraud account, Bank of America can see it, my local Police Department can see it, XXXX can see it, XXXX can see it. Literally everyone but XXXX. I don't know what got into their mind, they just can't make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violates my right XXXX trans union inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting Act XXXX  inquirers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and account # XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a Checking account with this bank under a promotional offer under which I would receive a {$300.00} signup bonus as long as I completed the following requirements : 1 ) Make 10 debit card transactions within 90 days of opening acct.

2 ) Enroll in eStatements.

3 ) Open a new Savings acct. 

I met all of the above requirements and I was supposed to receive the {$300.00} signup bonus within 120 days. I never received the {$300.00} bonus.
Product: Credit card

I get garage doors ( XX/XX/XXXX- {$1100.00} ) from Home Depot on their credit card that offered no interest for 12 months ( 12-month period expiring in XX/XX/XXXX ). I had to make a small minimum monthly payment. 
I did not receive my first XXXX statements, and the first XXXX payments were late. I paid the credit card in full on XX/XX/XXXX along with a {$60.00} prior late fees. I was told that the other late fees of {$25.00} will be reversed. 
The fee was never reversed. The card issuer starting charging interest and monthly fees on {$25.00}. As of XX/XX/XXXX, ( a copy of the statement is attached ) the {$25.00} outstanding balance has increased to {$130.00} and this outstanding is reflecting on my credit report as 90-day delinquent. My XXXX score is down by XXXX points. 
It seems completely ridiculous that though my outstanding was paid in full- 6 months prior to my payment data but still I am labelled as 90-day delinquent and my credit score is impaired. I applied for XXXX credit cards last month ( XX/XX/XXXX ) but XXXX were denied because of this 'Home Depot Delinquent Account '. 
The credit reports need to make a distinction between principal unpaid and fees unpaid so that the credit impairment for nonpayment of bank fees is not treated with the same severity as that for non-payment of principal. 

Thank you,
Product: Mortgage

My husband die d, 2016, thr ough my grieving process 5/3 tried to foreclose on property. We never knew the property was in my husband name only. Th e Financisl institution tried to  make it right by giving me a forebearance and  XXXX  told me if I needed more time let her know, it had to be g iven 4- months  at a time. I tried to get on touch with services 5/3, but I hv not received any answer, time is running out. I hv been traumatized with this entire situation. I did not get paid a check f or 5-months. Had to go through changes to get my back pay, took about 4-months,  still trying to get my check corrected with  XXXX  at this moment. This is how I got behind. Reaching out to  5/3  for another forbearance so I can hv enough time to get financial crisis situated and get business done. A lawyer transferred the deed in my name, as I am wife and was in line to inherit property. I am needing a response, I want someone to respond to me so I wo n't be anxious about losing my home, I 'm just trying to communicate and reach out for forebearance to finish taking care of my business. My goal is to modify loan. It is too many things going on at the same time. I would not want anyone in life to go through a traumatizing event like this. I 'm still grieving the loss of my husband and trying to keep strong. Please help me get a response, I 'm exhausted. Thank you I did not pay to hv foreclosure droppe d. Fifth Third aban doned it. Because the loan was not in my name yet. They were trying to take the property after my husband died, I had not even got property transferred yet. My husband was a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX sent first dispute letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent first dispute letter out for my inquires ( certified mail ) no response XX/XX/XXXX, XXXX sent 30 day comply letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent 45 days inquiry letter out no response attached I have the letters and the certified letters.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as i have attempted to dispute the late payments on my credit report with Equifax as they have impacted my credit worthiness as a consumer of the United States. As of the FCRA 15 USC 1681B my rights have been violated as Ive NEVER given written consent to the credit bureaus to furnish those transactions as well as FCRA 15USC 1681a is another right of mine that was violated as this transaction was supposed to be exclusive between me the consumer and the creditor. Equifax has repeatedly sent me inconclusive responses simply stating they verified the disputed items but they have not sent me conclusive verification that Ive requested in the attached method of verification. Documents attached.
Product: Mortgage

XX/XX/scrub> XXXX XXXX I provided a copy of my tax bill to Shellpoint Mortgage, due to the company stating they did not have an update to copy. XX/XX/scrub>XXXX XXXX XXXX  I received a letter stating they could not pay for the same reason, not having a copy of the tax bill. The same day, I sent a copy via the provided email and copied my original loan officer. Weeks later and several phone calls later, one with my original loan officer from XXXX, no solution or taxes were paid. Due to working for the XXXX XXXX XXXXXXXX, I can not owe any debt, so I paid the bill of {$2700.00} plus the late fee on XX/XX/year>. In addition, I did not want to continue to be delinquent on my property taxes. I contacted Shellpoint to make them aware and requested a refund of my escrow. In addition, I followed up with an email a few days later, XX/XX/year>. After several phone calls, I received a letter stating, I would not be able to draw down my escrow due to not having the loan for a full year. 

Once again, I called and discussed the reason for requesting a refund ( unpaid taxes in which I was forced to pay, though I had more than enough in my escrow to cover the bill ). As of today, I have close to {$9000.00} in my escrow account and would like a refund to cover my out-of-pocket expense and to pay future bills. Please note, XXXX also assisted by contacting their corporate office and was unable to solve the problem ; however, they are still working to assist with the refund request. 

Please assist with this concern, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX *Last XXXX of XXXX : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through XXXX, TransUnion and XXXX in XXXX and XXXX of 2022, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX BANK XXXX XXXX
Product: Bank account or service

I want to submit this complaint in reference to a service or lack of service from JP Morgan Chase Bank. Chase has closed my checking account and refuses to provide a reason as to why. They did this one day before my direct deposit from my bank would be processed. I fully understand that Chase is the owner of the account and can close my account for any reason at any time. It is frustrating though that the only income I have is in that account and I do not have access to it, or that they can not give me the reason as to why my account was closed. They also indicated that my direct deposit was going to be forced deposited into that account, therefore restricting my employer from giving me a check for my paycheck. They indicated to me that they would not mail me my funds in a cashiers check until the account is fully closed which can take 10 business days. These funds were to be used to cover my rent which is due on the first. My account was not overdrawn and there was no fraud activity occurring on my account, so I can not understand the reasoning for this. I believe it is unfair for them to close this account when I have been a loyal customer for over 4 years. I believe they are deceiving me by not providing me with an explanation as to why they are doing this. I would just like my funds back from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I disputed XXXX Account. Transunion is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. Transunion didn't report my payment history until XX/XX/XXXX. I have received no response from Transunion regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.
Product: Student loan

My financial aid office recommended high interest loans for me to complete my education in 2007 ( XXXX degree ). I now have multiple students with 3 companies. I was contacted to consolidate and believe the lenders were preying in my lack of finance repayment and accrued interest knowledge. I now have over $ XXXX in student loan debt alone. Have been paying on loans for years with no end soon in site.
Product: Debt collection

Bronstein & Weiss keeps calling me saying I am on a complaint list of several federal charges and they want to talk to me to stop papers from being filed against me. They have had a " server '' call and leave messages for me to be available between XXXX & XXXX so they can serve me papers. I have asked repeatedly for them to stop calling me at work. They continue. I have asked for information and they demand I give them my personal information for them to verify. I was robbed and my personal information was stolen so I have no idea if the debt they say they have is legitimate. Regardless, they have been asked to stop calling me at work. They have not sent any kind of paperwork to show what they are trying to collect for.
Product: Student loan

Navient charges me late fees even though I am on a IBR program and have been for years. Every time I pay their " late fees '' they repopulate and I have to pay more. The " late fees '' are more than my repayment plan. I have pushed and pushed and they continue to charge the so called late fees no matter how many times I pay them. My IBR payments are due on or before the XXXX of the month. I have made three payments to them this month and more and more fees generate. They say they are justified and I can do nothing to stop them from taking advantage of me and draining my financial situation until I have no money to even buy groceries. This is exhausting mentally and financially. I should not have to choose between feeding my family and paying back loans that were taken to better my life. The degree was worthless from XXXX and Sally Mae ( Navient ) pushed me into forbearance instead of better options. My loans are three times the amount I actually took out. Please stop them from charging these ridiculous fees. Thanks.
Product: Checking or savings account

On XXXX XX/XX/XXXX, PNC sent Thank You note to my home address for opening three accounts ending in XXXX, XXXX, and XXXX. I did not open these accounts. So, I called PNC at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to alert them to minimally a customer care issue assuming these are legitimate accounts, or potential fraud in the event they are not. 

I followed up with PNC on XX/XX/XXXX at XXXX XXXX  XXXX and was directed to XXXX XXXX XXXX XXXX by XXXX. PNC said that they could not legally give me any explanation. They said that if it was in error for a legitimate business event, the account owner would eventually call in and correct. 

This leaves assurance that no fraud associated with any of the personal SSNs, or business EINs associated with this address unanswered. PNC assured me there was nothing more they could do for me. I asked for address that I could send a certified letter confirming I had alerted PNC to the potential fraud. They were not able or willing to accommodate me on that. So, I am notifying CFPB to the fact that there is potential fraud on three accounts at PNC.

Please provide direction if there is more that I should be doing to alert appropriate authorities to minimize losses to myself, members of household, my heirs, or estate as well as everyone who has a financial relationship w PNC.. 


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

I have a lot of inquiries I didnt not apply for on my credit report.
Product: Debt collection

Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Attachments are pertaining to EQUIFAX 's Business Risk Grade Service only. 
This is not about a Business Credit Report Correction. All 4 Business Credit Reports that Equifax Commercial has mailed us in the past year agree with My Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA having a perfect Business Credit. 

However, in the past year, Equifax Solutions we have found out from XXXX has repeatedly reported my Bushiness ' Risk Rating as a D. Even with the perfect Credit reports that they do have. 
Further, when we have investigated this Matter over and over with Equifax and even with a Complaint to the XXXX XXXX XXXX, Equifax did NOT ADDRESS our CONCERN about our RISK GRADE WHICH HAS NOW BEEN REPORTED BY EQUIFAX FOR ALMOST A YEAR AT XXXX. This is Unfortunate. I hope that Equifax will ASK XXXX to assist. And that together, they will properly review and Correct My Company, XXXX XXXX Risk Grade from the INVALID AND DEROGATORY D RISK TO THE A/B CREDIT RISK GRADE THAT WE BOTH HAVE AND DESERVE TO BE CONSIDERED BY LENDERS, Rather than Excluded because of Equifax 's FAKE, FALSE AND SLANDEROUS D RISK THAT THEY HAVE BEEN PERPETUALLY REPORTING FOR ALMOST A YEAR DESPITE OUR REQUESTS FOR HELP FROM EQUIFAX and XXXX TO RESOLVE. That they choose to Ignore dispute our protest and our Dispute. They just blame each other. PLEASE see all of our Attachments, Proof and Etc involving Equifax, our DISPUTED D RISK RATING ( NOT A DISPUTE BUS CREDIT REPORT- A RISK RATING, THE EQUIFAX KNOWS WHAT THEY OFFER Correct?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 
The details of the disputed account are as follows : Capital One Bank USA Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 
I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness. 
In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act. 
I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry. 
I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 
Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.