23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

So this account has been open since 2023. I thought it was a payday loan and the amounts kept getting higher and higher. Turns out they classify as an online line of credit. Regardless you cant give me an interest rate that high. He claims there was an agreement sent after and there was never one sent after the fact. They are incredibly hard to work with. They charge you off of the amount of credit they give you like the open line itself at the highest interest. Three years of paying {$1200.00} or a XXXX payment to get rid of it. The chat took me 40 minutes to get into and then the guy couldnt provide helpful information. Not only that but he refused to come up with a solution.
Product: Mortgage

Here I am complaining against the unfair experience from its home Mortgage in XXXX XXXX XXXX XXXX, in XXXX Arizona. 

I started the application from XXXX XXXX, with the trust for the best service from the XXXX. XXXX Mortgage bank in the country. Finally, it was the worst decision I have ever made in my life. 

The team rejected the application for the commitment in the first place just because the underwriter ignored my visa in the file. Now looking back, I shall have abandoned Wells Fargo at that moment. 

I found out reason, and ask the team to fix the mistake. Finally, commitment was issued. Shall I blame myself since I lost the commitment contingency? 

The real nightmare started from that moment. The underwriter kept asking for new stuff on the daily basis. I tried my best to cooperate and handed over the files mostly in 2 hours. But their process was so low that the seller had to grant me the extension for three times. The whole underwriting procedure was endless, with new request popped up again and again. No one gave me the firm answer about when the final approval shall be cleared, but only told me it should be good. 

On last Friday, XXXX XXXX, XXXX days behind the date of Essence, WF gave me nothing but a deny, without any reason except the number to the Customer Care XXXX XXXX. 

With the hope to change your decision, because I believe my file is stronger than most of your applicant, I dialed the number to find out the reason. I was hoping there shall be some professional staff finally reward me the justice. But after 10 hours, what I got is only two words " Unacceptable Assets ''. No further details. The fellow there performed like a recorder and only can tell me " I do n't know '' and " I can not ''. 

I felt I have been discriminated by Wells Fargo. And such unfairness has put my deal and deposit under the risk. I am suffering the financially loss and waste of my time. I will not touch Wells Fargo anymore, for both personal issue, and work purpose. I will tell everyone to get away from Wells Fargo by all means.
Product: Payday loan, title loan, personal loan, or advance loan

Flight Finance oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Phone : ( XXXX ) XXXX Sunset Finance XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX https : //sunsetfinance.net/locations/flight-financeXXXX Subject : Urgent : Correction Required for Erroneous Credit Inquiry I am writing to address an incorrect credit inquiry that has negatively impacted my credit report. Approximately a year ago, my sister applied for a loan with your company, Flight Finance of XXXX. Due to an error, my credit was mistakenly pulled instead of hers. 

I contacted Flight Finace of XXXX company promptly to correct this mistake, and I was assured it would be resolved. However, as of XX/XX/year>, Flight Finance of XXXX is still listed as a delinquent account on my credit report, which is particularly concerning as I never authorized this inquiry. 

I reached out to Sunset Finance and spoke with a secretary who was curt and unhelpful. She transferred me to a number that was not helpful. I then tried calling Sunset Finance again and was repeatedly sent to voicemail. 

I request your immediate attention to investigate and remove this incorrect information from my credit report. I previously spoke with XXXX, the branch manager, who acknowledged the error and assured me it was corrected. Despite this, XXXX XXXX recent response to my inquiry was unsatisfactory, and he was hesitant to provide the contact information for Sunset Finances, the company responsible for running my credit. My credit score has suffered as a result of this issue.

Please address this matter promptly and rectify the inaccuracies on my credit report. Thank you for your cooperation.
Product: Debt collection

A collection organization contacted me and asked if I was the XXXX XXXX residing at a 15 year old address for a medical debt at a hospital I have never been to for a person I do n't know. I informed them it was not me. I had not been contacted prior and now I see it on two of my reports.
Product: Credit card

Dear Sir/Madam, I am writing to formally dispute the inaccurate information related to charge-offs that appear on my credit report. Upon reviewing my report, I have identified entries that I believe are incorrect and require immediate investigation and correction. I am submitting this dispute in accordance with 15 USC 1681e ( b ), which requires credit reporting agencies to maintain accurate information, and I am requesting that these inaccuracies be addressed. 

The charge-off information on my credit report appears to be incorrect in the following manner : XXXX XXXX XXXX  The company did not provide me with a XXXX for me to file this debt on my taxes giving that they have already forgiven or written off the debt on their taxes. Since they deemed it income on their end, its illegal to report income on my credit file. with that reporting on my report, it seems prejudice and unfair. 
JPMCB Card This company has reported a charge off on my account for XXXX consecutive months and its only been charged off once. Thats inaccurate information being displayed on my credit file. In addition, they have written this income off, where is my XXXX? 
XXXX XXXX XXXX This company has reported a charge off on my account for XXXX consecutive years and its only been charged off once. Thats inaccurate information being displayed on my credit file. In addition, they have written this income off, where is my 1099?

As per 15 USC 1681e ( b ), it is your responsibility to ensure that the information reported to credit agencies is accurate and complete. The charge-off information listed above does not accurately reflect the status of my accounts, and as such, I am requesting an immediate investigation and correction of this data. If the charge-off information can not be verified, I request that it be removed from my credit report. 
Please provide me with the results of your investigation in writing, and if applicable, notify me of any corrections made to my credit report. I also request that you remove any unverifiable or outdated information in compliance with the Fair Credit Reporting Act. 
For your reference, I have included any relevant supporting documentation, such as payment records, correspondence, or account statements, to assist in the resolution of this dispute. If needed, I am willing to cooperate fully in order to resolve this matter as quickly as possible. 
According to the Fair Credit Reporting Act, you are required to complete this investigation within XXXX  days. Please notify me in writing of your findings and any updates to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a charged-off account ( COMENITYBANK/VICTORIA XXXX ) on my credit report that I believe is inaccurately reported. Furthermore, the accuracy of this reporting was never verified as your company has re-aged this account to keep it from falling off. I have proof of each time the date last active has changed. This account is over seven years old and beyond the statute of limitations, meaning your company can not pursue legal action to collect. Maintaining this account on my credit report violates the Fair Credit Reporting Act ( FCRA ) and causes undue financial hardship. 

To resolve this matter, I propose the following options : Remove the Charged-Off Account : Promptly remove the account from my credit report to reflect accurate and compliant reporting. 
Arbitration : Should you choose not to comply, I am prepared to initiate arbitration, which could result in substantial costs and fees for your company. According to the clause, your company is responsible for the fees of both parties. 
It is in your best interest to avoid arbitration and resolve this amicably. Please respond within a reasonable timeframe confirming the removal of this account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXX ) and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with XXXX and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. XXXX can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!
Product: Mortgage

If this is a duplicate inquiry that means you never sent me a hard copy by XXXX Postal Service of your response as requested in XXXX of XXXX  you sent a cashier 's check payable to XXXX XXXX for {$2200.00} Did the pay on that check instruct you to place a stop payment on it yes or no Send a copy of the letter notice message you received from XXXX XXXX or any other person telling you to stop payment on his check for {$2200.00} send a copy front and back of the check showing that XXXX XXXX or any other individual negotiated that check
Product: Bank account or service

In XXXX XXXX, 2016, the bank of America inserted a 'online reply expired ' document in the message center, of my eligible claim.
Product: Credit card or prepaid card

I called XX/XX/2021 to synchrony bank care credit. They closed my card on XX/XX/XXXX without telling me for reason of credit change. There has not been any significant changes in my credit. Only a minor change. Credit is still above 650 and has only changed a few considering I just financed a car and have a small student loan. Both of which shouldnt impact this too much. This line of credit with Synchrony Care Credit was over $ XXXX and has caused my credit score to decrease since its closure. Synchrony will not talk to me further about it. This card paid for one of my surgeries and was going to be used to pay for another which now I cant get because of this account closure. My account has always been in good standing. Never had a late payment and always paid on time or early. Paid off my account earlier than was expected as well.
Product: Checking or savings account

I went to my local ATM at my bank to make a cash deposit on XX/XX/2018. The ATM was located at XXXX XXXX XXXX. in XXXX Texas at the BBVA Compass bank. The ATM number is XXXX. It was approximately XXXX CST. The deposit was for {$1100.00} in cash. I used my ATM card to deposit to my checking account and the first time it took the whole deposit and then spit back the {$1100.00} in bills but kept the {$65.00}. I assumed it was cause they were not able to be counted the first time and so I attempted to make the deposit of the {$1100.00} immediately thereafter. The ATM machine took a total of {$1100.00} and didn't give me a receipt showing the deposit. I immediately tried to get a statement to see if the deposit went through but just didn't provide a receipt. No deposit was showing on my account. I called the bank numbers and was NOT able to get a live person to let them know what occurred. I did reach out by XXXX and then called and spoke to a representative first thing Monday morning, XX/XX/XXXX. They stated they would begin an investigation. I was given a dispute reference number of XXXX. I never received a response and finally reached back out. They told me they dispute had been closed and they didn't find anything when speaking tot he bank or looking at the ATM machine. I spoke to another representative and asked for them to reopen the case. I was given another dispute reference number of XXXX. I was told at that time that they did in fact find {$65.00} in the ATM machine but didn't let me know about that cause I had made a claim for {$1100.00}. I then filed a complaint with the OCC and they indicated that I should contact the CFPB. I was contacted again today via XXXX by BBVA Compass and they indicated that they have found no evidence of the deposit in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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: Credit reporting or other personal consumer reports

My information was impacted in the Equifax data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : Account : NYS DEPT.OF SOC.SVC. 
Account # : XXXX Date opened:XXXX Account : XXXX XXXX XXXX Account # : XXXX  Inquiry : XXXX  XXXX XXXX  Date of inquiry:XXXX  its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is DIVERSIFIED CONSULTANTS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED CONSULTANTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED  CONSULTANTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED CONSULTANTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED CONSULTANTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED CONSULTANTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On approximately XX/XX/XXXX I received a notice from the collection agency claiming I had a debt. Within the 30 days they had asked for ; I responded to the company asking for verification of the debt including with any information of signed forms or simple verification relating to the debt. They have never responded to my request in any fashion, I have never heard from them again. Since then they have placed derogatory information on my credit report three months later. Simply put I did as they asked and they never responded to my request, so therefore I am to assume they have no information.
Product: Bank account or service

SunTrust bank has stolen money by assessing charges not needed on the account. I have a Business checking and on XXXX/XXXX/2016 a deposit was made of XXXX however, the bank took all my money claiming I owed fees. The account had a beginning balance of XXXX. It is a new account that I reopen because I have a small business. I delayed from having any real activities because I have been violated by XXXX bank and XXXX XXXX involving thousands of dollars in bank fees and over draft supposedly. However if the balance was XXXX and I spent XXXX how is it possible for a XXXX to be attached to me and furthermore how is it possible to accrue a fee at all XXXX than the XXXX maintenance fee for not having XXXX in the account. secondly there was another charge of XXXX and another fee of XXXX was added. The bank took all of the XXXX and justified it off of bogus charges. I did get fast cash back off of XXXX understanding a fee would be attached. I also was expecting and still expecting a large amount social security to be deposited in my account. when I asked the bank to pay XXXX XXXX they did not pay and charge me a fee of XXXX when their is a XXXX-card logo that could decline the transaction. I was charge another extended fee {$76.00} which was not discussed during the banking process. So all my money is gone. I also have had issues with my accounts in the past and the and the bank has been robbing every since please review these personal not business accounts which the branch manger did not give me. however, once you do your investigation. please investigate all history with this company and I am convinced that they have made me pay the bank a substantial amounts of money so I can keep my name clear from and fraudulently or what appears as fraud to myself. Personal I asked for my business account to the GM did not want or said he could not give me those even though my matter was dealing with a business account. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX My telephone number is XXXX and my email is XXXXXXXXXXXX. I have been a victim of fees. I have also been a victim of XXXX