23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello - I opened an account with US Bank approximately 2 years ago. I was a " secured credit card '' - the terms were that I deposited {$5000.00} into a secured account and was granted a credit card with a limit of {$5000.00} corresponding to my secured account. 

I decided to close this account XX/XX/2015 and had difficulty discovering the process to close the account. Finally I submitted a request in writing to close the account XX/XX/XXXX. I was told my {$5000.00} would be refunded shortly. On XXXX XXXX, 2015 I was told again that my check was being cut and was being mailed that week and I would receive it by XX/XX/XXXX at the latest. It is now XXXX XXXX, 2015 and I have not received the funds I deposited with US Bank. 

I 've had a frustrating time dealing with the customer support as they make it very difficult to get information and have so far given me false information regarding the {$5000.00} that they are withholding from me. They have kept my funds for over 2 months and repeatedly misrepresented the return of those funds. I regard this a fraudulent in that they represent one thing ( that the deposited funds are easily recovered once the account is closed ) and their behavior suggests that they are holding the funds purposely for their own gain ( they are collecting interest on my funds ).
Product: Credit card

This document serves as a formal declaration of the rights and interests of the undersigned, XXXX XXXX XXXX, as the trustee of the XXXX XXXX XXXX XXXX. XXXX XXXX, which holds the certificated security for the XXXX [ : XXXX XXXX XXXX : ] XXXX. The undersigned, as the owner of the certificated security, is the registered owner and cestui que trust of the financial asset associated with the credit identified by the loan account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the original complaint that I've submitted and was told they can't respond because someone else is on the the account. I'm having major issues with them just sending a default response. Can someone please look up the previous complaint I've been attempting to get documents from them since XXXX and they still can't provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus are reporting this information incorrectly and frequently. This account was paid in full XXXX of 2020 with no late payments and I sold this vehicle to XXXX XXXX dealership in good standing. I will be attaching support evidence of my claim and XXXX asking that any derogatory marks and negative marks be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account XXXX  XXXX XXXX  SC XXXX XXXX XXXXXXXX XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXXXXXX XXXX and transunion consumer solutions collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of 2018, passing the statute and should be removed from my credit report completely.
Product: Payday loan, title loan, or personal loan

In the beginning of XXXX XXXX, I borrowed money for business from a company. They said I was preapproved for {$100000.00}. I agreed to take only {$65000.00} at the time. On XXXX XXXX they deposited {$64000.00} to my personal checking account and they sent me a bill for {$72000.00} at 11.99 % APR. The {$8000.00} was added for document fee insurance, and reimbursement fee. I got a call around XXXX XXXX from the company and they said that I left {$35000.00} loan that I was approved and the agent insisted I that I take it. I agreed to take it. They deposited {$34000.00} and sent me a bill for {$40000.00}. I was charged {$5500.00} on document fee, insurance, and other fees. I paid off both loans on XXXX XXXX. They reimbursed me only the reimbursement fee that they addedin the beginning of the loan, which was {$2200.00}. When I researched the complaints that other customers of this particular company made, I learned that the company waives the insurance on the loan, if the borrower has life insurance. But, I was not asked if I had life insurance, which I had. But, they simply added {$4500.00} and {$2400.00} on the first and second loan respectively. Both insurances fees accrued {$1600.00} in interests over the course almost two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a new credit card and XXXX XXXX dropped XXXX points, XXXX XXXX points and Experian XXXX points. Then I had 3 hard inquiries removed and my score stayed the same. Experian is infamous for over deducting points and not adding points when something negative is removed. I called there horrible customer service in the XXXX where they are extremely unknowable. If you ask a question about something valid they put you on held then disconnect you on purpose. It happened 4 times in a row. When I finally spoke to someone who actually answered my questions, they told me your score should have increased but its all automated so we have no control over it. Either she was incorrect or the automation is severely flawed and neither is acceptable.
Product: Mortgage

Working with a HUD certified housing agency, a loss mitigation application was submitted to PHH Mortgage through the HOPE Loan Portal on XX/XX/XXXX. As of today, XX/XX/XXXX, the file has not been reviewed by PHH mortgage. Meanwhile, PHH continues to move towards foreclosure.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXXAccounts in Question : XXXX XXXX XXXX XXXX XXXX balance {$0.00} ( credit limit {$800.00} ) opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX bal {$0.00} ( credit limit {$600.00} ) openedXXXX XXXX XXXX XXXXXXXX bal {$0.00} ( credit limit {$1400.00} ) opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX bal {$31000.00} opened XX/XX/XXXX, XXXX # XXXX balance {$830.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX {$220.00} XXXX Acct # XXXX opened XX/XX/XXXX Balance {$830.00} XXXX XXXX  balance {$40000.00} opened XX/XX/XXXX acct # XXXX consists of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Mortgage

My HELOC Loan was suspended by PNC Bank for no cause. I had gotten the HELOC loan about 2 years ago and had not drawn out any money from the HELOC at any time. I received a letter from PNC that they are suspending my HELOC loan because my credit score had dropped. I have created a XXXX video that provides more details about my situation. XXXX XXXX XXXX XXXX XXXX XXXX When I tried reinstate the loan I had to provide my tax return, a notarized letter that I wanted my HELOC reinstated. It was like as if I was re-applying for the HELOC. 

My reinstatement was denied and they said that their decision was based on XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts, collection accounts and credit inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent and the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BofA Mortgage Mistake Mortgage Account # XXXX - I have asked BofA for this due to their mistakes. They are non responsive and their departments are not communicating with XXXX another, they are ruining my credit and they are incorrect. I'd like them to do all of the following and correct their mistakes. 

( 1 ) Please send me a letter reversing the credit bureau delinquency as it is incorrect and all of the notes in the BofA system will show this ( 2 ) I had a deferral which ended in XX/XX/2021, 5 payments have been made since then which indicates the account is in good standing ( XXXX, XXXX, XXXX, XXXX, XXXX have been paid ) -- this too is in the notes and when and if " someone '' looked into this they'd realize the account discrepancy. The deferral was due to end XXXX, I was told to pay XX/XX/2021 payment then I was told it was extended into XXXX and XXXX payment would push to XXXX by CRM 's at BofA. 
( 3 ) PLEASE immediately correct these mistakes as all of my credit card companies are reducing my limits due to BofA 's mistakes...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$590.00XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4300.00}
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 
The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights XXXX Account # XXXX XXXX has 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 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

Dear XXXX, I am writing to formally demand resolution for the inaccurate and violating acts committed by your credit bureau , which have directly infringed upon my consumer rights. Upon reviewing my credit reports, I have discovered numerous instances of inaccurate information that have caused significant harm to my creditworthiness and financial well-being. 

It is my belief that these inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers like myself from the dissemination of false and misleading information. I have diligently attempted to rectify these errors through your dispute resolution process, but have been met with inadequate investigations and insufficient responses from your bureau. 

Therefore, I am formally demanding that you initiate an arbitration process to address and rectify the following issues : XXXX. XXXX XXXX XXXX - This entry is completely false and has unjustly tarnished my credit history. I have provided evidence to support my claim, yet it has not been adequately addressed. 

XXXX. XXXX  XXXX XXXX - Balance - This entry contains incorrect information regarding my payment history, leading to an unfair assessment of my creditworthiness. I have repeatedly contacted your bureau to dispute this entry, but have received no satisfactory resolution. 

XXXX. XXXX  XXXX XXXX - Payment History - This entry reflects a debt that has been CLOSED XX/XX/XXXX, yet CHARGED OFF XX/XX/XXXX as it continues to be reported as outstanding. I have provided documentation proving its resolution, but your bureau has failed to update the information accordingly. 

XXXX. Account Inquiries- I did not give permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The unauthorized and fraudulent credit inquiries made by the following companies : I demand you, to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


I am asserting my right to have these matters resolved through arbitration, as outlined in the FCRA. I trust that you will comply with this request and provide me with the necessary information and instructions to initiate the arbitration process. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights as a consumer. 

I look forward to your prompt attention to this matter and a swift resolution. Please provide me with a written response within [ XXXX  days ] to confirm that you have initiated the arbitration process and are taking the necessary steps to address these violations. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX XXXX XXXX XXXX reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX payment in XX/XX/XXXX to XXXX XXXX ( XXXX XXXX XXXX XXXX The payment from XXXX XXXX is greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is my SECOND complaint with CFPB and nothing has happened. Back in XXXX, I noticed on my Experian consumer report that they were illegally reporting a bankruptcy on my profile. I reached out to the U.S. bankruptcy court and they shared that they did not give information to credit reporting companies. 

So, on XX/XX/XXXX I sent Experian my first letter asking them to permanently delete this information from my credit profile as this was a Fair Credit Reporting Act violation. Experian responded with a letter dated XXXX XXXX XXXX saying that they " verified '' the information as accurate and that need more documented proof for the investigation. I then sent the U.S. bankruptcy court a letter asking them to present any information they gave the credit reporting agencies to " verify '' my identity without my permission. They responded with a letter stating that they do not provide any information to third party companies ( attached below ), so it is impossible for XXXX  to properly " verify '' anything. This is also a violation of 15 USC 1681b1 ( 2 ). 

On XXXX XXXX XXXX I sent a second letter to Experian showing them proof that the U.SXXXX bankruptcy court did not verify any information with them, so Experian is illegally obtaining my private information without my consent. They then responded on XX/XX/XXXX, stating that this information is verified as accurate again. Not only is this past the allotted 30 days pursuant to federal law, but this is a total breach of privacy and a pure violation of my consumer rights. I did not and still do not consent for Experian to use the E-Oscar system to " verify '' information, which is what they are doing.
Product: Debt collection

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off and deleted it off my credit is making me not eligible to get a house or a new car..

The following accounts are..

Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit $ 0 Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Telecommunications/Cellular Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # : XXXX