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

I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by XXXX XXXX. On XX/XX/year>, at approximately XXXX hours, I made the decision to close my account with XXXX XXXX  and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/year>, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/year>, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to check systems and XXXX XXXX, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that XXXX XXXX  has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that XXXX XXXX  rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against XXXX XXXX. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

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

XXXX of XXXX  I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX Both Wells Fargo customer service - XXXX - Manager Escalations refused to give agent ID and XXXX XXXX Escalation Customer Advocacy Group did as well after I complained about unprofessionalism and sounding hostile on the phone. I was constantly interrupted while asking questions which made me feel degraded. I been a customer for over 8 years and can not believe the way I was treated today. 

I called to ask for an increase of the ATM withdrawal of $ 1k. The first representative told me I could do so until she checked and said I was not eligible. When I asked what does this mean to understand, she responded with she does not know. I asked for a manager whose name is XXXX which led to hostile responses to the point that I felt degraded. XXXX- the Escalation Customer Advocacy did the same to me even after I complained to her about XXXX by cutting me off while I was speaking. The calls are recorded, this happened around XXXX XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law, This has not been submitted in error. 
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries 1 XXXX XXXX XXXX Inquiry2 XXXX XXXX XXXX  Inquiry3 : XXXX Inquiry4 : XXXX Inquiry5 : TRANSUNION XXXX XXXX Inquiry6 : XXXX Inquiry7 : XXXX Inquiry8 : XXXX XXXX XXXX via XXXX XXXX Inquiry9 : XXXX XXXXXXXX XXXX Inquiry10 : XXXX XXXXXXXX XXXX Inquiry11 : XXXX XXXX Inquiry12 : XXXX via XXXX XXXX inquiry13 : XXXX XXXX via TRANSUNION XXXXXXXX XXXX Inquiry14 : XXXX XXXX XXXX 
Inquiry15 : XXXX XXXX XXXX Inquiry16 : XXXX XXXX via TRANSUNION XXXX Inquiry17 : XXXX XXXX  via XXXX XXXX XXXX XXXX Inquiry18 : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer report has inquiries for applications of credit that I did not authorize, Checking my consumer report and these inquiries were not authorized by me. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-Divorceproceedingsbeganwithmynowex-wifeXX/XX/XXXX-Mysoontobeex-wifedemandedIsignParentalStudentLoanpaperworkforourson.Irefusedbecausehewasworking;shewouldgetthemoneyandmostlikelyspendit;andweweredivorcing.

XX/XX/XXXX-Duringdiscovery,Ifoundoutforthefirsttimeshehadtakenoutseveralstudentloansandhadforgedmynameonthedocuments.Thisincludesloansforherself15yearsagoandmysoninXX/XX/XXXX,Ontheloanpaperworkprovidedtothecourt,mynameandSS#hadbeenhandwritteninonthedocumentsometimeaftertheoriginationoftheloansnowbeingservicedbyNavient.IwasadvisedtopursuethisasfraudwhichIdid.Thecourtgaveachancefornowex-wifetoprovethestudentloansweren'thers.ShetoldthecourttheloanswereminealthoughhernameandSS#oneverypageoftheloandocumentsandminewashandwritteninafterthefact.

XX/XX/XXXX-XX/XX/XXXX-Asaresultof17phonecalls,handwritingsubmissions,andsubsequentanalysisbyNavient,itwasdeterminedthesignatureswerenotmineandpositivelymyex-wife's.Requestsweremadetotakemeofftheloans.Navientsaidtheyneededacourtordersayingtheywerenotmyloans.

XX/XX/XXXX-Incourt,myex-wifeprovidedthesamestudentloandocumentsasbefore.TheJudgegavemyex-wifeonelastchancetoprovethestudentloansweren'thers.

XX/XX/XXXX-WewenttocourtafterItoldmynewattorneyinXX/XX/XXXXthatIneedtheJudgesrulingtoprovidetoNavienttoremovemyhandwrittennamefromtheloandocuments.TheJudgeruledmyex-wifehadn'tprovedtheloansweren'thersandthereforewereawardedtoher.IprovidedthecourtrulingtoNavientandtheDept.ofEducationand.requestedmynameberemovedfromthestudentloans.

XX/XX/XXXX-XX/XX/XXXX-Navientwasremovedfrommycreditreport.

XX/XX/XXXX-present-I'vereceiveddozensofphonecallsandlettersfromNavientlookingformyex-wife.I'vetoldNavientthatthisisnotmyex-wife'saddress,norphone#andhavegivenherstothemonmultipleoccasions.

XX/XX/XXXX-IreceivedaphonecallfromNavientrequestingIsignpaperworkformyex-wife,Irefusedandtoldthemtheyhaveacourtorderandtheyneededtoleavemeoutofit.Again,Igavethemheraddressandphone#timeandtimeagain.

XX/XX/XXXX-Navientputthestudentloanonmycreditreport
Product: Mortgage

My original mortage payment through Umpqua Bank was {$2100.00} with {$580.00} going into to the escrow account. The escrow was to cover an estimated {$6600.00} in property taxes and {$940.00} for insurance. After the first year, our taxes were {$3400.00} and our insurance was {$1400.00}. They collected {$7000.00} for the escrow account and on XX/XX/XXXX, issued us a refund check for {$2500.00} for over payment. They continue to estimate the property taxes for {$6600.00} and have raised our mortage payment to {$2100.00} to cover what they say is the overage in insurance. This increases the amount they will collect for the escrow account to {$7100.00}. I called and was told that the escrow account always has to maintain a balance. It currently has a balance of approximately {$1800.00} after the reimbursement to me, insurance and tax payment. I believe that my payment should decrease not increase. This is my money that they are collecting interest on when they know there was an overage prior to raising the payment. My last mortage through XXXX XXXX lowered or raised the payments based on only what they needed to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX rXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports on XXXX, i notice XXXX accounts that were not XXXX i went too FTC and made a report.
Product: Debt collection

Collection company ANFI is trying to collect a debt of {$630.00}. XXXX is the alleged original creditor. XXXX was PAID IN FULL ... .. somehow ANFI is trying to collect a debt that is not owed. I sent ANFI a letter and did not get a response and this item is reporting on my credit report. Please remove/ delete this item from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX XXXX closed account should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected and protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised or stolen. I filed a police report and notified Experian, XXXX and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information regarding the account referenced below. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure all information reported about me is accurate, complete, and verifiable. 

This account is marked as " charged off, '' yet I was never notified of this status, which raises concerns about the lawfulness of these practices. Additionally, I do not recognize the payment history being reported. The date of last activity appears to have been re-aged, and there are inconsistencies in how the account is reflected across the XXXX credit bureaus. 

Upon reviewing my credit report ( attached ), I found that this account is reported as being XXXX  days late in both XXXX and XXXX XXXX is clearly inaccurate. Since this information is unverifiable or was not properly verified to begin with, I am formally requesting the immediate removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of.

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '
Product: Debt collection

My wife was contacted and notified that a XXXX was going to be filed against me in regards to an account that was not paid. She asked about the statue of limitations and was informed that the statue of limitations for this would not expire until XXXX XXXX because the last payment was made in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an incorrect account on my credit reports from XXXX XXXX. This account is being reported inconsistently across the XXXX major credit bureaus and violates credit reporting laws. 

Additionally, I am a victim of identity theft. The details are as follows : XXXX : Reported as XXXX XXXX XXXX with no account number Equifax : Reported as XXXX XXXX, opened XX/XX/XXXX, Account # XXXX XXXX : Reported as XXXX XXXX XXXX, Account # XXXX, opened XX/XX/XXXX These discrepancies violate the Fair Credit Reporting Act, which requires accurate and consistent reporting. 

Furthermore, this account is the result of identity theft, for which I have filed a police report. I request immediate investigation and removal of this fraudulent account from all credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I purchased XXXX on Coinbase XXXX. When I attempted to withdraw my investment the following day I was unable to because they restricted my account. 

I discovered that Coinbase and Coinbase XXXX  posted, on XXXX, that they were experiencing technical issues with XXXX and XXXX  and were working to resolve the issue. 

On XX/XX/21, I called Coinbase and was told they are investigating the matter and was given no further information. 

To date, my account remains restricted and I am unable to manage my XXXX portfolio. Many other customers are experiencing similar issues based on the XXXX feeds. 

Please investigate their bad practices.
Product: Credit reporting or other personal consumer reports

Saying I have an eviction but I paid both parties off two different times after court. So y do I still have an eviction on my account. I can't even get a place for my kids. Also. I lost luggage traveling so all my social security cards and birth certificates are missing for me and my children. All my info. Has been leaked. My report is very wrong. My info. Got leaked way before I even lost my luggage. Since I want to say XXXX of last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

XXXX  I have no knowledge of this account. it showed on my credit report on XXXX XXXX.