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

I have submitted a request to XXXX XXXX and equifax pursuant to section 605B of the FCRA and XXXX is the only one who blocked the information. I sent certified mail return receipt requested and on XX/XX/19 equifax received the request with the FTC affidavit my police report and letter identifying what needs to be blocked and they refuse to block it in the 4 day mandated period and told me today ( XX/XX/19 ) that their internal operating procedures required them to investigate which takes 30 days. I tried to explain to 4 different supervisor that the law requires that the information be blocked within 4 days and I was met with resistance and after 4 hours of talking on the phone going up the chain of command I was still told that I have to wait 30 days for the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries from XXXX XXXX and XXXX  credit card
Product: Bank account or service

In XXXX I became the victim of identity theft. I filed a report with the Police Department. The amount of the theft was close to {$50000.00}, or my life savings. My perfect credit was was ruined. Further, it was not possible to go after the person who had defrauded me ( he posed as a financial advisor ) because he died in XXXX of XXXX. It was information I discovered after I learned of his death that I found I had been defrauded. After I supplied copies of the Police Report to all the companies trying to get payments from me for things I had never charged, all but one of the companies and banks trying to collect money from me dropped their attempts to do so. The only one that has continued to pursue me is the Bank of America. Even after I, a senior on a limited income and now no savings, went to a lawyer and had him repeatedly contact the B of A, they would not relent. The Bank of America and all three of the credit report companies have received copies of my Police Report. After several years of frustration in this matter, I asked the man who helped me with my taxes, a XXXX, to contact the Bank of America. He did and they said they would stop asking me to pay back some $ XXXX, BUT they sent a form to him that said I had received that amount and had to pay taxes on it! The kind CPA said he would attach a letter and my Police Report to the IRS and they would not ask me to pay tax on it, as I had not ever made those charges. BUT after the IRS honored my XXXX 's letter, when I checked my credit report, the $ XXXX was still there from the B of A saying I owed them. The credit report companies ( XXXX, etc ) said there was nothing they could do about it, and the B of A could leave the charges there until XXXX, XXXX. I need your help to stop this. The Bank of America has already received copies of my Police Report as have each of the credit report companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that are inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The Credit Bureaus ' current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If the Credit Bureaus can not ensure the accuracy of the information the Credit Bureaus are reporting, the Credit Bureaus must correct the accounts immediately. I demand that the Credit Bureaus take swift action to correct this matter, as any further delay or negligence will not be tolerated. I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}
Product: Mortgage

my name is XXXX XXXX and I am currently a mortgagor and my loan is being serviced by shell point mortgage AKA New Rez my loan number is XXXX This brief letter is to explain the horrible customer service and lack of service I receive when calling this company about anything! I recently underwent XXXX  XXXX on XX/XX/19 and was out of work for four months I called them to see if there was any way a payment could be deferred to help me out until I went back to work well guess what they said no so I went back to the drawing board getting a bit of assistance from charitable organizations to help me make a payment back in XXXX they lost they payment that was sent to them by city of XXXX on my behalf took a month for them to find it and that was after a complaint online to their corporate and several phone calls these people are horrible servicers who take their jobs for granted and do not go above and beyond in fact they do the very minimum well fast forward I've been back at work two weeks today XX/XX/19 and last month which was XXXX I asked for a repayment plan on {$300.00} of {$1100.00} because I didn't have the entire payment well these people don't offer you any options they don't care if you're being proactive it's like they want you to lose your home during the phone call he explained that it was the XXXX of the month and they need at least 7-10 business days to process the repayment plan so my credit may still  be impacted so I declined and borrowed the money for the month of XXXX so I called them today XX/XX/XXXX to see if I could not do a repayment plan well not only was the girl not informative she was rude and basically stated that it takes 10 days to get paper work and another ten to process the repayment plan what in the heck is going on with this company each time I try to be proactive it's like I get shot down almost as if they do their best to work against you I've called several times about the PMI on my loan and basically get told because I have an FHA it cant be removed and they don't give any information to support that because I know a couple people who have an FHA loan and have had their PMI removed what kind of company is this where they don't explain things they lose your payments talk to you rude cold transfer you to voicemails without telling you and the managers don't hold them accountable their just as bad how did I get involved with the mortgage company from XXXX their mortgage practices need to be investigated this is not fair that hard working people have to call in and be subject to this foolishness when all we want is respect and answers about my PMI answers as to why they are not rules and turn around times connected to repayment plans and things that matter do they just make this stuff up as they go along is that really what is going on please help
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly verify a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation, they have not provided actual proof that this debt is accurate or that I am legally responsible for it. 

XXXX. Details of the Dispute On XX/XX/year>, I submitted a dispute to Experian, requesting validation of a debt that appears on my credit report. 
On XX/XX/year>, they responded, stating the debt was verified but failed to provide supporting documentation such as an original signed agreement or itemized account statements. 
On XX/XX/year>, I sent a Method of Verification ( MOV ) request via certified mail, asking how they verified the debt and requesting details of the verifying party.

Experian did not provide the requested documentation but continues to report the debt.

3. FCRA Violations Failure to Properly Investigate Under 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable investigation and provide documentation if requested.

Continued Reporting of Unverified Debt The bureau has not provided proof that this debt is valid, yet they continue to report it.

Lack of Transparency They refuse to disclose how they verified the debt, which violates my consumer rights under the FCRA.

4. Desired Resolution I request the immediate deletion of this unverified debt from my credit report. If Experian can provide actual documentation proving that I owe this debt, I request they send it to me. Otherwise, they must remove it.

5. Supporting Documents I have attached : My original dispute letter The credit bureaus response My Method of Verification ( MOV ) request A copy of my credit report showing the disputed debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

Went in to apply for a mortgage and when credit was pulled was told ditech reported home as paid off in XXXX, yet I am still receiving a monthly bill. Was advised to file a complaint with the cfpb. Have tried to contact ditech before about issues with how much was actually left on loan. Have been shuffled around on phone with no answers.
Product: Bank account or service

On the date of XX/XX/2017 I sent out a payment in the form of a money order in means to make payment to a past due car loan balance. Only to discover that my money order was disregarded they stated it did not have my account number on it so it was not able to be processed. USAA then proceed to repose my car, deny having received the money order in the first place this spat lasted all of four days from customer service all the way up to management in that department. They took my car XX/XX/2017 and then sent me my money order back that following Monday XX/XX/2017 along with a letter dated XX/XX/2017 which stated the reason it could not be processed ( money order ) but when I looked at the money order I notice that someone from the bank forged my account number onto the money order. If they can write the account number on the money order then they can also process it into my account as it was intended to do in the first place right? I smell a rat!!! this feels personal not business. So now I can not enroll in school and my transportation is limited due to some ones personal attack on my life at USAA. I file this complaint to find out what legal actions can be pursued I do not believe it is legal to forge my information on to a money order that you did n't process because the lack of having that information on it.
Product: Debt collection

XXXX XXXX XXXX just put a collection on my credit report without sending me a notice of the debt. If I had received a notice I would have paid it! I take very good care of my credit and monitor it daily. Im a veteran and make sure all my bills are paid.

I called them and advised them and offered to settle it but I want it removed since they did not follow procedure. They were very rude & hung up on me.

How is it ok for them to just whatever they want one someones credit report and then treat you badly when you call in to take care of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX***-Balance {$550.00}
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXXXXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my XXXX XXXX and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXXXXXX XXXX  XXXX
Product: Mortgage

My Mortgage account with Ameris Bank has been reported negatively on our credit report for the last three months ( XXXX, XXXX, XXXX ) last report to Credit Bureau on XX/XX/XXXX showing missed payment. After speaking with the loss mitigation department with Ameris Bank I was directed to send this email, requesting for a correction on my Account and our Credit Report. This payment arrangement was due to a Unexpected Natural Disaster, and should not have been reported negatively on our Account or our Credit Report. We are in the process of purchasing a vehicle due to a total loss accident, and the missed payments showing on my credit report is impacting my Credit Score tremendously. This was a payment arrangement, which I have for filled my obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to get accounts : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I filed a complaint against TransUnion requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days.TransUnion has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .TransUnion has fail to provide me proof of verification so at this time I ask that you step in and have them delete this fraudulent accounts .Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account. 

Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in 2024 access to the XXXX XXXX XXXX XXXX  .
Product: Money transfer, virtual currency, or money service

Dear official, I exhausted every avenue with Lending Club Bank ( formerly XXXX XXXX ) to get my money into my personal account. I emailed and called more than 10 times and all I got are responses " we will escalate this '' or " it was forwarded '' but it was not resolved. People that were giving me run around are supervisor XXXX, XXXX, XXXX, XXXX, and many others. 

Briefly, my father wired me {>= $1,000,000} ( Eur XXXX ) on XX/XX/2021 ( XXXX  XXXX  from XXXX wired money via XXXX XXXX  in XXXX ) from XXXX that ended up in Lending Club Bank account at the XXXX, Lending club account number : XXXX. Lending CLub Bank uses XXXX as an intermediary bank for international transfers. At one point, Lending Club Bank, notified me how money is not there. When money was not returned and the initiator performed detailed investigation, it was confirmed that money was wired to Lending Club account at XXXX. In addition to that, XXXX officials found my money to be in the Lending Club Bank account. Since I lost all trust into Lending Club Bank, this money should have been re-routed to my final private account at XXXX ) - but it never ended there. The {$34000.00} is still sitting at your XXXX Lending CLub Bank account # XXXX. Lending Club Bank recently started to give new run around by telling me that no-one is responding at XXXX. After asking three times, Lending Club Bank never responded to me who at XXXX did they contact or is not responding. I believe I was patient enough and it seems that Lending Club Bank simply stole my money. As an example, in normal circumstances, once money is not delivered it would bounce back within a week, which did not happen. I even decided to close my account after realizing that I am given the run around, but even then money did not bounce. 

I have all the documentation and account numbers if needed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed adverse information reporting in my credit file. I have not received a fair and legal investigation into my claim. I have attached a letter which is my Second attempt at getting the Credit Report Agencies to follow the law according to the FCRA.
Product: Debt collection

Subject Account # XXXX To Whom It May Concern, I am writing in response or communication regarding the alleged debt associated with [ account number or original creditors name ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request the following information : 1. Chain of Assignment : A complete record of the transfer of this debt from the original creditor to your agency, including copies of all agreements, sale contracts, or assignment documents. This should clearly demonstrate your legal right to collect this debt. 2. Original Creditor Information : The name, address, and contact details of the original creditor, along with a detailed breakdown of the alleged balance, including principal, interest, fees, and any other charges applied. 3. Verification of Debt : A signed copy of the original agreement or contract that I allegedly signed, proving that I am responsible for this debt. 4. Proof of Your Right to Collect : Documentation confirming that your agency has legal authority to collect on this debt, as required by law. Until I receive proper verification, I request that all collection activities, including credit reporting, cease in accordance with 15 U.S.C. 1692g ( b ). If you fail to provide the requested documentation, I expect this alleged debt to be removed from my credit report and that you will cease further collection attempts. Please respond to this request in writing within 15 days of receipt of this letter. Failure to provide adequate documentation may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

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

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAMES DO NOT BELONG TO ME : 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 THESE ADDRESS DO NOT BELONG TO ME : Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX LAKE XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX FAMILY Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX