23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my XXXX  savings account and added my XXXX and XXXX  account. From last 6 months the money I am receiving from XXXX and XXXX I was transferring to Apple savings account. 

All my funds are now in Apple savings account like XXXX. I initiated a transaction on XX/XX/XXXX for XXXX to XXXX, they said the transaction went into review. No one from the review team contacted me and directly went into declined state. Upon my call to the specialist team, they informed I had to split the transaction to XXXX to chase and XXXX to XXXX. I did as per their advise XX/XX/XXXX. XXXX was successful but XXXX went into review again, since then I was following with the several teams within the savings account, they said they can not expedite the review process. I explained my situation that I had to close my house and I could only do when the funds will be available. I have been calling 2-3 times every day, all they say is they do not know when the review will be completed and upon completion it will take 1-3 business days for my funds to be available. 

Their customer team is such a useless team, every time I call they give me a different answers every time. When I called them on XX/XX/XXXX at XXXX XXXX  they informed that the transaction has been approved, after that information I informed my attorneys and agent that the transaction is successful and the funds will be available next day, on the same day I again called at XXXX only to realize that the review has not been completed and it is still being reviewed. I was literally fooled in front of other by savings team. I am under XXXX state and my mental state is not well because of this. Today XX/XX/XXXX I spoke to them for XXXX minutes ( at XXXX ), it has been 48 hours since I initiated my transaction on Monday ( XX/XX/XXXX at XXXX XXXX  ), and even after 48 hours they still can not answer me on whereabouts of my funds. They are still saying it is being reviewed whereas no one from savings team or reviewing team reached me as of now.
Product: Debt collection

I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.
Product: Credit reporting or other personal consumer reports

Heres a sample letter you can use to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit bureaus failure to verify or investigate a disputed debt : [ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Phone Number ] [ Email Address ] Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Credit Bureau Failure to Verify or Investigate Disputed Debt To Whom It May Concern : I am writing to file a complaint against Experian regarding their failure to verify or properly investigate a debt I disputed under my rights granted by the Fair Credit Reporting Act ( FCRA ).

On [ date of your initial dispute ], I submitted a formal dispute to Experian regarding an inaccurate debt reported under account number [ specific account number ]. I provided detailed information and supporting documentation to demonstrate that this debt is inaccurate and requested that the bureau verify or remove the debt as required by law.

Despite their legal obligation to investigate and respond within 30 days, Experian has failed to : 1. Verify the accuracy of the debt with the creditor ; 2. Provide sufficient evidence supporting the validity of the debt ; 3. Remove the inaccurate information from my credit report.

This lack of compliance with FCRA standards has caused harm to my credit standing and financial well-being, including [ describe any harm, such as denial of credit, higher interest rates, or emotional distress ].

I am requesting the CFPB to : 1. Investigate this matter thoroughly ; 2. Hold [ Name of Credit Bureau ( s ) ] accountable for failing to fulfill their legal obligations ; 3. Ensure the removal of this inaccurate information from my credit Thank you for your assistance in resolving this matter. Please feel free to contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, XXXX XXXX
Product: Debt collection

American Express is constantly contact me about a past due debt that is past the statute of limitations I told them a while back to stop calling me and put me on the do not call list but yet instead they called again today. I told them that I was going to report them to the FTC for harassment and please do not call me again.
Product: Credit card or prepaid card

Fraudulent credit card applied under my profile. Received a letter from XXXXXXXX XXXX XXXX thanking me for opening up XXXX XXXX Account XXXX. I contacted and they couldn't close the account but also told me a Bank of America application was processed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. XXXX ( The company ) and XXXX XXXX oXXXX XXXX XXXX XXXX ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 XXXX has since reported the account to the credit bureaus ( XXXX, Equifax, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and XXXX # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender XXXX and XXXX assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at XXXX at XXXX EXT # XXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from J.D. Byrider in XXXX of XXXX and had this vehicle until XXXX of XXXX. I paid all of {$380.00} monthly payments on time every month and I brought this vehicle to their service department 10 plus times for them to fix because it kept turning off on me, they couldn't figure out what was wrong with it so I and my financial manager at XXXX came to an verbal agreement that I would return the vehicle to them. They then offered me a {$500.00} settlement in XXXX of XXXX but then they retracted and said that I had to pay the full {$9000.00} that was owed on the vehicle. I've reached out to the manager and asked him how can we get this resolved and get this removed from my credit report but he just hung up on me. They are reporting every month twice a month on my credit report this repossession but refusing to rectify this bill so that I can have this removed ftom my credit report.
Product: Debt collection

After initial contact, I sent Penn Credit a debt validation letter in XX/XX/2020 with no response until XX/XX/XXXX of 2020. The request for payment claims I owe XXXX {$260.00} for purchased merchandise. However, I have not been contacted by XXXX and assume they have had ample time to send me a bill. Im not sure if this debt is valid because they have not responded to my validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card charges on my TD credit card were declined. I called in to validate and determine the issue and they assured me it was resolved as they verified me with my phone number. The following morning my card was once again rejected, I called back and was unable to authenticate stating they had a different phone number on file even though my phone number has not changed. The agent said only option is to fax documents over including XXXX forms of ID ( no need for SSN ) and a utility bill. I asked them how long this would take as I needed the card and they told me if I send to this fax number should be within 48hrs. I did it right away and want to fedex office and paid to get faxed. I called back and they said they didn't receive and not to use the fax number I was provided and instead use a different one. I was confused and went ahead and faxed it in to new number and then called back in 3 days. They said they received it and now said they need my SSN even though initially I was told its not needed and once they have that it will be approved in 2 days. I called back in 2 days and they said there's no update and to call back in a couple days. Each of these calls had a hold time of 1-2hrs ( not exaggerating ) and so I did. This happened 3-4 times and they said there's no update, I even faxed my original credit card application to show there's only XXXX phone number and its never changed. It's been more than XXXX months and since I'm unable to access my account and have e-statements I can't see details of past transactions or balances yet I'm still required to pay it on the due date. In addition my utility bills that are on automated payments have bounced back and I'm allowed to redeem my rewards. When speaking to customer service they say all information I provided matches the account and there's no reason fraud department can't unlock it. They even transfer me to fraud departments saying it's all validated and I'm then told fraud department and customer service don't use the same phone number on the account and I simply couldn't understand that. TD fraud departments seems to added a phone number to my file without my knowledge and now I'm locked out for no fault of mine. I've invested so much time trying to resolve this but only had run around and they even state they'll call me back but have never done so over the 1 month period.
Product: Debt collection

In XXXX of XXXX  I was first contacted by The XXXX XXXX regarding a debt that I was told I owed. This debt, however, had previously been identified as fraudulent, and I had taken action to have it discharged. I immediately informed XXXX XXXX XXXX that the debt was not valid and should not be pursued. I also gave them a police report and FTC report. 

Despite my communication, XXXX XXXX XXXX continued to attempt collection. As a result, I reported the matter to the Better Business Bureau and contacted the legal representative of the original company associated with the debt. the companys lawyer confirmed that the debt was fraudulent and assured me that they would correct the error on my credit report. 

However, despite these steps, XXXX XXXX XXXX has continued its attempts to collect this fraudulent debt. I have repeatedly asked for this issue to be resolved, but no action has been taken to remove the debt from my credit report. 

I am requesting that The XXXX XXXX immediately stop all collection efforts related to this fraudulent debt and remove it from my credit report, as they were notified of the discharge and the fraud claim. Failure to comply will leave me no choice but to pursue further legal action to protect my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I noticed there were XXXX accounts listed that are not mines. Here are the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Besides sending them numuries times of my pay stub as they requested and the either lost it or say they cant read as yet the court house already has all the records and this has been going on for far to long. And this all started as they lost the document many times. And the amounts they have increased the mortgage from its original amount over $120,000 and changed the amount of the original payment from XXXX  a month to over 1400 a month the have way to many fees for them doing there best to delay the entire process. I can't understand there math as some of there figures don't add up. As the keep changing the mortgage company an hit my credit many times with my even consent then charge me for it. And each time they use there lawyers they want I pay over $ 20,000 for each of 3 times. for their little time of work. They are over charging to make extra money for themselves and their lawyers. And then want over $80,000 to just reinstate the loan but even if I send any amount they will just take it an still sell  the home. Each time I've filed for a hardship help or modification they seem to have lost the paperwork or shred to by mistake.
Product: Debt collection

XX/XX/23 about My neighbor informed me that there was a suspicious man on my property looking through my windows. I hurried put on clothes and rush outside to see what was going on. Thats when I noticed there was blue adhesive with object affixed to my property and A strange man sitting in his car in front of my property. 

I didnt approach the car due to the fact that my neighbors were outside and the stranger in the car let down his window allowing me to give him back his object and in forcing my privacy, by informing him to never come on my property again. 

The stranger said that he was just trying to deliver a message. I assert that the stranger is an agent of freedom mortgage Who constructed a scheme to intimidate me or enforce me to contract with them so that I can adhere to their fictitious agreements. 

Freedom mortgage stays that it has a endorsed note from me as well as evidence of a loan given to me from freedom mortgage I assert the claim of fraud due to the fact that I am 1000 % sure that I have never contract it with freedom mortgage and freedom mortgage as they said in the document that sent to me they are a debt collector. Therefore proven that they do not have the ability to loan monies. 

It is my prayer that the CFPB expeditiously contact freedom mortgage due to the fact that they are threatening to seize my home where myself and my XXXX child resides and in fact have no rights or real security nor have they incurred any true debit by extending me a loan. 

I am asking that freedom mortgage provide the note that it is stating that I have contracted or enforced with freedom mortgage in addition to the securities agreement that must perform with said promissory note. 

By law if freedom mortgage can not produce a promissory note that is executed with XXXX XXXX wet ink signature Between XXXX XXXX and an owner of MAJORITY at Freedom Mortgage please required that freedom mortgage prove how it incurred any harm from XXXX XXXX or XXXX to secure XXXX XXXX estate and its assessors real property. 

In addition freedom mortgage is stating that it holds security to a loan received from freedom mortgage to XXXX XXXX in the amount of {$6700.00} that was issued on behalf of XXXX XXXX from FHA. I am attesting that freedom mortgage and its affiliates in membership of XXXX ( mortgagors listed nominee ), have conspired to commit fraud against XXXX XXXX and FHA by one of Contesting that XXXX XXXX received any parts of the {$6700.00} or that any parts of this amount went towards my mortgage account with XXXX XXXX. 

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

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX  XXXX XXXX Balanced {$0.00}
Product: Debt collection

Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd time