23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you well. I am writing to express my deep dissatisfaction and concern regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. 

The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Since then, I have diligently followed your agency 's established procedures for disputing fraudulent activity, submitting all requested documentation, including police reports, affidavits, and any other supporting evidence to substantiate the fraudulent nature of these entries. 

Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. Each time, I have complied with your requirements and provided the necessary information, yet the issue persists, casting a shadow on my creditworthiness. 

I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
An explanation for the repeated failures to address this matter in previous attempts. 
An apology for the ongoing distress and financial hardship caused by the unresolved fraudulent items on my credit report. 
I understand that errors can occur, but the continued presence of these fraudulent items on my credit report is not only damaging to my financial standing but also undermines my trust in the credit reporting system. 

Failure to address this matter within the exact timeframe from the date of this letter may leave me with no alternative but to pursue legal remedies or involve relevant regulatory authorities to rectify this situation. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00}.
Product: Vehicle loan or lease

I was shocked upon reviewing my credit report and I found a 30 day late reporting in XX/XX/2017. I am not sure how this happened. I believe I made all my payments on time I paid as soon as I get my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships
with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Mortgage

What about the wrong doing of Bank of America and what they did to this senior even having XXXX dollars title insurance policy. What they did was totally illegal and very wrong!!! AS far as we know they never owned the land that they gave me a mortgage on with me paying XXXX down and paying XXXX a month for 6years is there not anyone that can do the wrong that they have done to me!!
Product: Credit card or prepaid card

I requested my account to be closed back in 2017 with Wells Fargo ( XXXX XXXX ). I was told the account would be closed at that time. This apparently fell through the cracks and did not get closed. Purchases were made by a different party on the card that I thought was closed by well Fargo. Well Fargo declined any type of resolution on this. I feel they should be held responsible for their mistake and not me. The amount is {$4300.00} that I had no idea about. I did not make these purchases. I was told the card would be closed. I need a resolution on this matter. 

Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Payday loan, title loan, or personal loan

I obtained a XXXX loan through Comenity Bank. I paid as planned but struggled due to pandemic and work. I continued to pay under an agreement but was late on one payment and now they basically have my balance at what I started despite 2 years of paying. They refuse to give me a report of payments made, interest and fees. Due to that one account and their reporting my credit score dropped 200 points. They refuse to close the account and continue to accumulate interest and late fees.
Product: Checking or savings account

On XXXX I tried to log into my conbase account and I was unable to do do. When I called customer support, they hung up on me.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Mortgage

TN XXXX My difficulties started around XX/XX/XXXX. XXXX was effective and threatening to shorten hours or reduce employment at the job. At the same time I was going through a divorce and Bankruptcy. It was the perfect storm for my finances. I had attorney fees, all the household expenses and helping my family as much as possible. Flagstar Bank was offering COVID -19 assistance for Homeowners. I completed the application and was approved. Somewhere between agreeing to restart mortgage payments and the amounts we got off track. Documents that were sent to me from Flagstar Bank never arrived, I called and asked for them to be resent. When the documents arrived, they were inaccurate. I notarized the documents with accurate information, they were rejected as arriving after the due date, although, I didnt receive the documents until after the due date. I continued to pay from $ 1450 monthly up to $ 1600 monthly. They declared my loan in default but continued to accept the payments until XX/XX/XXXX. Flagstar Bank has contacted an attorney to Foreclose on my property XX/XX/XXXX. I am seeking assistance to catch up late payments. 
My pay status was temporary and I am ready to make monthly payments but need assistance to satisfy Flagstar Bank. 
Thank for your assistance. 
Sincerely,
Product: Debt collection

We received a bill from Caine & Weiner requesting payment for a debt that XXXX XXXX had turned over to them. When I spoke to XXXX XXXX with that company. I informed her that it was not my company 's debt and that we had never requested services from XXXX. The invoices she sent me began XXXX and went through XXXX. 2024. The contact name that was on the statement was a person that had not been with my company for over two years, was a contract worker, and had no authority to authorize services. I am still waiting on a copy of the contract. In the mean time I tried to call XXXX XXXX, there was a recording that said to contact their support team through email. I did and was I asked was I sure the bill was from them. I was sending them the copies of the invoices within 5 minutes and I received an email saying the support email address was no longer monitored and to start over. 

Caine & Weiner bill is for {$1000.00} dated XXXX
Product: Debt collection

I have disputed this account several times with no success they didnt provide even response nor did they send me anything to verify to say that is was mine
Product: Credit reporting or other personal consumer reports

1. XXXXXXXX XXXX XXXX- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. XXXX card response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 . XXXX card, XXXX XXXX system denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file. 

5. XXXX card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX XXXX XXXX XXXX ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the XXXX XXXX only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX XXXX DATA BREACH '' 6. I submitted and provided all Identity Theft reports to XXXX XXXX but they ignored them. 

7. XXXX XXXX and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.
Product: Mortgage

On XX/XX/XXXX I filed a complaint against XXXX XXXX case number XXXX based on an error that XXXX made on my escrow account and request that I make up the error payment over 12 months. The result ended with XXXX agreeing to spread out on 60 months. 

XX/XX/XXXX, XXXX sold my mortgage account to NewRez Mortgage. NewRez continued to charge the amount of {$2000.00} until they increased my payment in XX/XX/XXXX and XX/XX/XXXX, {$2400.00} that included the escrow amount that was not spread out. There are 2 years remaining of the 60 months from XXXX. 

I am asking NewRez to spread out the escrow amount the was in error, the remaining 2 years so that I can afford to pay monthly. Below is a summary of failed attempts to resolve my issue of overcharged monthly amount, in order to afford payments. They do not want to refund the overpayment in XXXX or XXXX and charge the correct amount for XX/XX/XXXX. 

I have called NewRez Mortgage company to follow up on my original complaint of overcharging my account XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On Saturday XX/XX/XXXX, at XXXX am ( after 42 minutes ) I spoke with XXXX XXXX in collections, who stated that NewRez company is not going to credit my account from XXXX and XXXX the amount you overcharged. She stated your escrow department will only begin to charge the correct amount starting XX/XX/XXXX. To summarize the issue : On XX/XX/XXXX, I emailed New Rez company the documents that support my escrow account to be spread over 60 months since XXXX. I was told from XXXX on XX/XX/XXXX, that the correct amount should be {$2000.00} and would be corrected once I send the letter from the Consumer Financial Protection Bureau. Then on XX/XX/XXXX, NewRez refunded my account the XXXX payment that was auto draft of {$2400.00} as oppose to the amount requested of overpayment of {$380.00} for XXXX and XXXX months totaling {$760.00}. On XX/XX/XXXX I followed up with a call to state I was refunded the total XXXX payment and was told the reason NewRez refunded the one month payment was that they were investigating and refunded my account while this was occurring. Thus, after not hearing from NewRez, I followed up again XX/XX/XXXX and spoke to XXXX XXXX. 

My payment for the month of XXXX is now showing non payment of the incorrect amount and shows LATE. Due to the lack of cooperation with NewRez, I am  submitting a formal complaint to Consumer Financial Protection Bureau to request consumer right by spreading my account over the 60 months that started in XXXX per XXXX XXXX account. I should not have to bear the burden with the two Mortgage company transactions that took place with NewRez purchasing mortgage accounts from XXXX XXXX. 

Can you please help to resolve this issue. 

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

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. They have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiry and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiry and inaccurate addresses from my credit file. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Checking or savings account

According to XXXX XXXX XXXX they had issued to PNC Bank a refund credit of {$740.00} on XX/XX/year>2024. And has reached out to PNC Bank on this matter and have gotten nothing but spin games.
Product: Checking or savings account

I applied online for a new XXXX XXXX XXXX account with promo code XXXX. The terms of this offer are attached. I am also attaching the emails from Truist confirming the application submission and approval. Application Date - XX/XX/2024. Application ID - XXXX. Application Approval Date - XX/XX/2024. I met all the conditions of this offer but have not received the {$400.00} new account bonus I was promised. I had to visit a branch to sign some documents and call customer service before I was able to log in to my online account. But I did apply online making sure the promo code is attached and fulfilled all the terms of the promo code.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kc. ) as a customer for insufficient customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Hello I was issued on a notification on Cash App saying that I would be receiving my {$1400.00} economic impact payment and I took note of notice to that and I waited to be able to access the money that is said was they are believe it was XX/XX/XXXX of last year and I never was able to have access to it so Ive been following him complaint with customer service with Cash App and no ones really helping me that Im telling me when where and how I can get my money back and/or how I can get access to my money it just keeps asking me if I was able to be helped or if I can be helped anymore with anything else and I just dont believe that that song fair or legal so Im thats what Im trying to do is basically father complain like whoever whatever admitted whatever entity I guess Ill know that I never had access to my to my third payment and I and I havent really been working last year and I really need access to my money so I dont know exactly where to go or who to report to see what Ive been trying to do so Im calling on the phone getting automated systems and I know that theres got to be some type of you know Im piece of paper or somebody I can give him the existing information to or whatever information I did have when I when I had a record of it and try and figure out what happened to my payment or if its a car payment tracker or let you know what to do about this unfortunate situation do but I really need help
Product: Credit card

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This complaint is filed to request that you, Experian credit reporting agency, block information appearing on the consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B and 605C ( 15 U.S.C. 1681c-2 and 1681c-3 ).

This fraudulent, inaccurate, and false information consists of : A credit card account opene
d at XXXX XXXX XXXX with account number # XXXX A XXXX XXXX XXXX XXXX account opened on XX/XX/year>, with account number # XXXX A late payment account at XXXX XXXX XXXX  opened on XXXX XXXX with account number # XXXX These accounts have resulted in several fraudulent charge-offs appearing on the consumer XXXX credit report. 

I have attached a list of the fraudulent accounts and late payment in question, as well as a copy of the consumer XXXX  credit report maintained by you showing the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, charge-offs, or late payment as reported. These accounts, charge-offs, and late payment were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and late payment are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, and late payments are the result of identity theft and fraud. 

Please send written confirmation of the actions taken to address this matter. I appreciate your prompt attention to this matter.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , XXXX . 
XXXX XXXX XXXX, XXXX XXXX Account Number Num : XXXX Re : CFPB Case Num : XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the credit Report
Product: Credit reporting or other personal consumer reports

XXXX is reporting a XXXX  XXXX Bankruptcy on my consumer report, it is against the law to have inaccurate information on your consumer report. I have disputed this at least 4 different times and attached documents, but they keep stating that XXXX XXXX is verifying the information. 

The Bankruptcy Courts don't provide Bankruptcy information, and my account is blocked with XXXX XXXX. They have no way to verify this information and continues to state that XXXX XXXX is verifying the info which is false.