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

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX  v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX  v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

I Tranferred XXXX XXXX XXXX XXXX to Chase XXXX checking account from a XXXX XXXX XXXX. There was a reference number for XXXX given to verify the transfer. The bank put a hold on my acct. until funds could be verified. I received a email on XX/XX/XXXX, letting me know the hold had been lifted. I went to the Social Security office to verify they had the correct direct deposit for the money card and they did. The next time I tried to log onto to their website there was a message stating that there was a restriction on my account because of suspicious activity. I called customer service and wanted to know why was my account restricted and the representative told me to go to a Chase with two forms of ID to verify the account was mine. I presented my XXXX Drivers license and my Chase debit card. After doing so they still couldnt verify my account. I wasnt really told why. I changed my direct deposit information with Social Security so my check could come directly to Chase. A check in the amount of XXXX was deposited on XX/XX/XXXX, and returned. Then redeposited on the XX/XX/XXXX,. I am still being asked to verify that the account is mine. The bank told be yesterday XX/XX/XXXX, they were going to end their relationship with me on XX/XX/2022 and mail me a check for the remaining balance. I didnt understand why they had to wait until then or why mail the check if they wanted to end their relationship with me. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off XXXX XXXX  XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$3700.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$1200.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$790.00} Collection XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$970.00} Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I called the credit card company to make my monthly payment that it was due for the next date XX/XX/2022. I attempted to make the payment 2 time and the computer machine was saying that I was unable to make payment, so I called the credit card at customer service and I was told that they see that I tried to make the payment and I was told ( by customer service ) that I have problem with my bank XXXX Bank XXXX XXXX ). 
I called my bank and they told me that the credit card took the money ( XX/XX/2022 ). 
I called back the credit card company and I told them that they took the money already and they said that they did not receive the payment and I have been confused with who said what, because the bank said they did the payment and the credit card stated that they did not receive the payment. 
I received the statement from my Bank and I saw that they did not took the money on the XXXX of XXXX so I called back to make the payment again on the XXXX and I was told that they are going to remove the late fee and the interest, but they did not took the late fee or the interest. 
On XX/XX/XXXX, XXXX I make another payment ( instead of the XXXX ) and they are keeping charging me for the late fee and the interest ( when it was not my fault that there computer was not working ). 
I always pay my credit card earlier than the due date.
Product: Mortgage

I am working with HUD XXXX, we have attempted to discuss options for an unemployment forbearance, we need time to get over the hardship. They are forcing us to accept a loan modification, they refuse to give us a forbearance, they are setting their own rules. 

We are seeking a unemployment forbearance, we can not accept a loan modification, this will increase our payment due to the interest rate and they will force us out of our home. 

XX/XX/2023 seeking forbearance and we were denied, XX/XX/2023 we spoke to XXXX ID # XXXX with the HUD XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I deposited my government issued payroll into my checking account on XX/XX/year> and was told partial funds will be available the following business day XX/XX/year> and the remaining balance would be available XX/XX/year>. Well it was not available and not only was it not available they put a longer hold on it. I went to the branch in XXXX XXXX Ca on XXXX XXXX spoke with the branch manager and told him this is a emergency and a hardship can this be expedited and he said unfortunately there is nothing I can do I asked for cooperation number, he told me I would need to call the XXXX number and did not provide that number at all. I showed him the receipt that the teller gave me yesterday showing the amount would be available and still no assistance. Im having a hardship.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX, XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.
Product: Credit card or prepaid card

re Citi Thank You Preferred Card master card via Citicards - account number ending XXXX ( now ending XXXX ) on XX/XX/18 a charge was posted to our account for {$140.00} by a company listed XXXX ( out of XXXX XXXX ). My husband 's XXXX " froze up '' that day and the company called him, saying " ... our virus protection had expired ... '' and we needed to buy this protection right away from them, because it could affect the other XXXX and the XXXX, all XXXX products. My husband was wary of the salesperson 's authenticity, so the sales person said our credit card company would call to verify the charge - and, sure enough, our land line rang instantly saying they were Citi cards verifying the charge. He felt that was ok, and ok 'd the charge. He was alone and worried about the equipment, so gave this company our cc #. 

When I got home, I knew instantly it was a scam - we've NEVER purchased virus protection for our XXXX products. You don't need to. But to be safe, I called XXXX and told them all that had transpired, they switched me to the fraud section and were very concerned a company was doing this so cleverly, especially having the presumed cc company call, because XXXX acknowledged no such virus protection is necessary with their products. 

The next day, knowing this was a fraudulent call offering a product under false circumstances, I called Citi for a chargeback. The CS Rep said no problem, we'll do that and send you a new card, because it appears the XXXX XXXX company made three attempts to put it through and now had the number. 

It's now XX/XX/XXXX and no chargeback or further communication from Citi - so, I called today to see what was going on. One CS Rep sent me to their " fraud division '' in XXXX, the second call resulted in the rep saying, basically, nothing could be done because " ... you can't just take money back from a company. '' She switched me to a " manager, '' who said she was going to check into it and put me on hold while I was trying to talk with her. And no one from Citi has called back. I explained what transpired over and over again, even with XXXX response but nothing.

Speaking with Citi is an exercise in futility, and I'm furious at the way we've been treated by several of the reps - with NO RESOLUTION! We've been a cc holder for 20 years and average $ 3-4,000/per month in charges. We're solid customers. They owe us their allegiance, not some unknown company that's shilling false sales information to unsuspecting people. 

We need help from an outside agency for this unresolved problem with Citi cards.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Mortgage

I have my mortgage with Wells Fargo Bank. I believe that they are shifting me on my interest paid and principal applied towards my loan. According to the amortization table that they gave me for XX/XX/XXXX interest paid should be {$710.00} and principal should be {$360.00} but the bank charged me  interest of {$820.00} principal applied of {$250.00}. This has been going on for a while.
Product: Credit reporting or other personal consumer reports

I've disputed this information twice on Experian 's platform in which they said they have verified the debt. Which I do not believe. So I'm contacting you for further verification. 
XXXX XXXX  XXXX XXXX potentially negative months {$1100.00} Closed Account info Account nameXXXX XXXX XXXX Account numberXXXX Original creditorXXXX XXXX Company sold- Account typeCollection Date openedXX/XX/XXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXXXX/XX/XXXX. 
Status updatedXX/XX/XXXX Balance {$1100.00} Balance updatedXX/XX/XXXX Original balance {$1100.00} Monthly payment- Past due amount {$1100.00} Terms1 Month ResponsibilityIndividual Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )
Product: Debt collection

Midland funding LLC at XXXX XXXX XXXX XXXX XXXX, CA XXXX has been being reporting incorrect information on my credit reports in the amount of {$600.00}. I do not know this company. I have never done business with company. This company does not have a contact with my signature.
Product: Credit card

Ive disputed the credit cards with the credit bureau. My information was involved in a data breach. Revvi and XXXX credit accounts was opened without my knowledge
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on Experian is ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Product: Vehicle loan or lease

I have notice on my credit report theres been a drastic change negatively XXXX points on my XXXX since I reached out to Westlake Financial. Theyve even updated information that isnt accurate such as the payments never went late or behind while owning the vehicle. The XX/XX/XXXXyear isnt showing at all. Which I contacted the company to ask about the warranty process. Due to a hard shifting/jerking problem along with the engine light coming on which I experienced in the first XX/XX/XXXXdays of having the vehicle in my possession. The vehicle needed all sorts of maintenance to completed within this short time and shouldve been my fault to due so after putting a {$5500.00} down payment into this XX/XX/XXXX as well. Westlake rep. said they would hold the Dealership XXXX XXXX in XXXX, La responsible for the remaining of the loan due the problems found. Only if I was able to provide a diagnostic report showing the problems found. When I did this within a few days following this due to the availability schedule of the machanic shop of choice ( a XXXX XXXX ) XXXX of XXXX XXXX.The report was created, the technician advised me to start with a full tune-up/oil change, which wouldve cost me over {$500.00} parts and labor. This wasnt covered by warranty after checking, but I still had it done out of pocket. The truck needed front rottors/shocks, a coil and I did have routine maintenance ( oil changes ) completed on time this whole year. Never fell behind in payments, but I called periodically/each month for a update/status about the process that was promised. The company reps. would always be unprofessional and in cooperative regarding the call each time afterwards. Then towards the end of the year XXXX the jerking had become worse which this time I contacted the warranty dept. directly which I had another diagnosis completed byXX/XX/XXXX on XXXX XXXX. in XXXX XXXX which their findings via diagnostic needed a transmission due to tar-converter soon locking up. I was also close to warranty expiring as well which warranty only wanted to replace the transmission with a rebuilt/refurbished parts. The vehicle had been there at XXXX almostXX/XX/XXXX months. Then I had to find another shop to send my truck to accept the refurbished transmission the warranty dept. that was ordered with that being my only option. Then I sent my truck to XXXX XXXX on XXXX XXXX. XXXX XXXX which started the process and wait time over again. Leaving me without a source of transportation again. Still remaining current this whole entire time. I had enough of the whole lemon deal and offered a volunteer repo to Westlake from everything I experienced since having the vehicle almost a year. Didnt have anything or point of contact to rely on dealing with this situation being such a horrible experience for me creating hardships without any source of transportation the whole time.
Product: Checking or savings account

Wells Fargo Bank closed my account due to they don't accept third party checks. 
They said possible fraud. 
I said I did know the bank doesn't accept third party checks They said possible fraud and my account will be closed. 
I told them I would never do fraud. I could have been scammed I told them I am XXXX  years of XXXX received only Social security XXXX check monthly. 
I asked why would you punish me and close my account? 
They said bank policy. 
The bank said I would not get my balance back. I said that's all the funds I have which was XXXX of my balance. 
I am asking CFPB to please override them.
Product: Debt collection

This has been disputed since day one. I know that they made false claims to try and receive money for an amount not owed. I have never received a bill or anything else showing why it is owed. I have asked many times to see original bill but never provide one. Ask many times to take to court but they will not because it is not a legit bill. XXXX  has removed it but XXXX  will not.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Student loan

I applied for for federal public service loan forgiveness program. I thought I had approx. 3 years left of loan payments only to learn that I haven't made one qualifying payment from the loan servicer customer service rep, with no recourse to help me understand what happened or why I never qualified, even though I've worked in XXXX and XXXX for the last 15 years.
Product: Checking or savings account

Chase had restricted and closed my account for a check that they held XXXX days released the money which was done in XXXX. XXXX months later all of sudden my account was restricted and closed my account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint regarding inaccuracies that have appeared on my credit report maintained by XXXX, TransUnion, and XXXX. I have been deeply affected by multiple data breaches over the years, most notably the Missouri hospital breach in XXXX, Health Plex on XX/XX/XXXX, the XXXX breach in XX/XX/XXXX, and a recent incident on XX/XX/XXXX. 

These breaches have unfortunately compromised my personal information, resulting in fraudulent charges on my credit cards and unauthorized access to my bank account. In an effort to protect myself, I have had to open a new bank account, which has been both time-consuming and distressing. Despite my ongoing efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, particularly concerning items I have disputed as fraudulent. 

I am reaching out to the Consumer Financial Protection Bureau in hopes of obtaining guidance on how to rectify these inaccuracies. I firmly believe that the data breaches I have experienced are directly linked to these discrepancies on my credit report, and I am eager to resolve this matter. I am more than willing to provide any proof of the fraudulent charges and the impact on my bank account that may be necessary for your review. 

It is essential for me to maintain an accurate credit report, as it significantly affects my financial well-being. I respectfully request your assistance in addressing these matters and helping me navigate the necessary steps to achieve a fair resolution. 

Thank you for your attention to this pressing issue. I look forward to your guidance on how to proceed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.
Product: Credit reporting or other personal consumer reports

There was a change of address listed on my XXXX XXXX XXXX XXXX. It is a fraudulent address. 

My real address is listed as old address.