23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I had purchased a set of 4 Good Year tires for my car from XXXX dealership in XXXX WI. At the time XXXX or XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$20.00} rebate for the particular tire I purchased. The same rebate would have been {$40.00} if I had used a Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$20.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ XXXX XXXX XXXX  ] for unfair and deceptive practices that have negatively impacted my financial situation. I believe these actions are in violation of the Consumer Financial Protection Act ( CFPA ) and request your intervention.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NC XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that CFPB will thoroughly investigate my complaint and take appropriate action against TransUnion, XXXX, and XXXX. 

Please inform me of any further information/documentation required to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter on XXXX, 2018 and a follow-up letter dated XX/XX/XXXX asking that Regular Inquiries on my credit report be removed and I also sent a letter on XX/XX/XXXX asking that three Public Records be removed. I attached a  letter from the U S Bankruptcy Court in Missouri, stating that they do not verify public record information with credit bureaus. Per a conversation with a Transunion supervisor on XX/XX/XXXX, he stated that my letters were invalid and would not send me their decision in writing. Please refer to File No. XXXX.
Product: Mortgage

XX/XX/XXXX at XXXX closing we were short XXXX dollars had to call loan officer ( still have names ) for help Attn 's left my family in the parking lot with nowhere to stay.How could this have happened! Forgeries of my signature on mortgage docs. Nationstar/ Mr Cooper/ . XXXX is law firm for plaintiff. My XXXX yr young daughter suffering from XXXX XXXX is receiving calls from a " XXXX '' from XXXX attn 's asking for information on her deceased mother she has no ties to mortgage ( have saved messages ) pure predators I am XXXX suffered from XXXX XXXX XXXX XXXX for decades have all its XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX since XXXX, when my daughter started to be harassed I had to write. Illegal behavior ...? taking care of my daughter she had to leave a mold infested apartment in XXXX XXXX NJ her XXXX XXXX   XXXX she does not need this assault from some outside XXXX and XXXX legal team. It's hurt my daughter she is scared now about strangers calling
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. 

Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Legal Basis for My Request Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company controls our credit, yet they let it get hacked while their to execs are illegally inside trading and selling off stocks before they make it public. Nothing was done about my personal information being stolen, except a 1 year offer to protect my identity. Why don't they do this anyway and forever? They lose and sell my info, control my credit, yet they want me to pay to keep it in check. That's a scam. Furthermore, I sent a dispute for 2 scam collections. Their result was for me to call the scam company. This is insane and should not be a business model.
Product: Credit card

Due to hardship I contacted XXXX a financial counseling services to help me with my credit card debt. On my behalf made an agreement with Comenity Bank for my XXXX XXXX credit card # XXXX to pay XXXX XXXX monthly. They made payments six payments of {$230.00}. I made additional payments to ensure my account was current. On XX/XX/XXXX I scheduled a payment of {$510.00} using the online portal. I checked my statements and could see all the posted payments made by XXXX on my behalf. 
XXXX I received a call from Comentity stating that my account had been charged off due to non-payment. Claiming that no payments had been received from XXXX. XXXX confirmed payments had been sent electronically to the correct account and accepted. When I asked XXXX to pull up my statements he verified he could see the payments from both me and XXXX but not on the system used by him. He would not help me correct the issue. 
Since the account was charged off he said if I didn't enter into another agreement where my account would be drafted $ 359 monthly I would be taken to court. He also said that any payments received would be deducted from my monthly draft. So I agreed under duress. XX/XX/XXXX a payment of {$230.00} was sent and on XX/XX/XXXX my account was drafted {$350.00}. 
When I inquired XXXX said he never stated that any credits would be applied and also said he never saw my statements with the payments from XXXX applied. All of the conversations were recorded. 
I have requested all my statements had have not received them.
Product: Debt collection

XX/XX/XXXX XXXX i reach out to the company and was told this account was not mines i was giving a number to call XXXX -- XXXX the woman told me that the DL was not of mines and SSn
Product: Mortgage

On XX/XX/XXXX I applied for a HELOC with United Wholesale Mortgage in the amount of {$110000.00}. On XX/XX/XXXX I closed on that HELOC and provided instructions that I wanted an initial advance in the amount of {$60000.00}. 

{$60000.00} was deposited into my checking account on XX/XX/XXXX. 
I received my first statement, dated XX/XX/XXXX, from UWM which states the outstanding principal balance of my HELOC is {$110000.00}. Puzzled, I reached out to UWM and asked them why my statement suggests that I had accessed/used the entire balance of my HELOC. The customer service agent I spoke with was unable to locate my closing documents and suggested that the remaining balance of the HELOC was likely used to pay off other creditors. This did not happen. I did not ask for my other debts to be paid off they have not been paid off. And I did not/have not taken any additional draws on the HELOC. I was informed I can submit a qualified written request challenging the accuracy of the outstanding principal balance. 

In the closing documents I was provided a copy of, the settlement statement shows the following : Loan amount = {$110000.00} Total of Origination Costs = ( {$5300.00} ) Due to Borrower = ( {$60000.00} ) HELOC Balance = {$47000.00} Id like UWM to provide me with a register of activity associated with my HELOC so I can understand where the remaining {$47000.00} was allocated. If there is other disbursements from my account these were either incorrectly applied to my account or they are fraudulent transactions. 

My current loan payment, due XX/XX/XXXX, is {$860.00}. This was calculated using interest applied to the incorrect and overstated outstanding balance of the loan. Id like this and subsequent payments to be corrected to accurately reflect my outstanding principal balance of {$60000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. XXXX attention to these inaccuracies is required as they are causing significant distress and potential financial harm.
Product: Mortgage

My wife and I were approved for a mortgage loan with Wells Fargo Bank in XXXX of XXXX. 
This was for a new home under construction. A closing date of XX/XX/XXXX was scheduled and accepted by all parties involved. 
A disclosure of closing costs was sent to us on XX/XX/XXXX. The total amount of money needed required by us, the borrowers, at closing was listed as {$2900.00}, but since we had already prepaid the appraisal costs of {$690.00} our balance due ( above the cash down payment ) was {$2200.00}. We got a cashier 's check for that amount.

On the day of closing, just two hours before the closing meeting, Wells Fargo sent a new disclosure of closing costs. This time the cash needed at closing increased {$2000.00} to {$4900.00} ( from {$2900.00} ). This is an increase of over 70 %! The law states they can increase the closing costs but only by a maximun of 10 %.
Product: Credit card

We had raised dispute for Transaction which are charged to our Debit Card ending with XXXX on XXXX XXXX. Bank Name : - XXXX XXXX XXXX Card Ending With : - XXXX Date : - XXXX XXXX Checking Account : XXXX Transactions Details : - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. - USD XXXX After Raising the Disputes Request mercury XXXX  asked us the below details : - What merchants or services can you recall providing your card information? Answered by us : - As a XXXX XXXX XXXX XXXX XXXX, we book travel activities using credit cards and other IT tools. We have taken the services from Following merchants, primarily in travel : - XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Entertainment. Is your card stored in any digital wallets or digital payment features? Answered by us : -No, its not stored in any Digital Wallets or Digital payments features When was the last time you used your card? Please give the amount, merchant name, and date. Answered by us : - My last XXXX transactions were fraudulent, for which we raised the disputes, before that we used on XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/year> XXXX XXXX Are there any other unauthorized transactions in your account or on the card used? Answered by us : -There are only XXXX transactions for which I raised the chargeback. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX anyone else have access to your card details, or has anyone else ever been authorized to use your card? If so, provide their name and relation to you/the business. Answered by us : - No one have the card. After providing the above question mercury bank denied to raise the disputes on by mentioning that Upon review, this case does not fall within Mercury 's dispute policies., and they denied to raise the dispute with merchants. Cardholders can dispute charges on their credit card statements, particularly for fraudulent or inaccurate transactions. The card issuer is responsible for raising disputes with merchants and providing provisional credit. If the merchant can prove that the cardholders only received the services, the dispute may be resolved in favor of the merchant. However, Mercury XXXX have failed to initiate requests with merchants and have not followed the processes outlined by XXXX and XXXX. We are requesting a reversal of the transaction to our account and notifying Mercury to adhere to the established guidelines.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may 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 DOB : - 1990 Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Listed below are the Accounts 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 XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS XXXX FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX 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 : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

Radius Global Solutions LLC claims I owe a debt from the year 2013 and this is not correct. The debt is not mine. I have no idea what this debt from ten years ago is -- please support.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX date opened XX/XX/XXXX Balance {$840.00} XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$250.00} **Inquiries** XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX are reporting charges offs on my credit report with balances, according to US Code Laws that is a violation of my rights and is against the law. All charge offs by law must report XXXX balances since the debt was sold to a collection agency. 

Account name XXXX Account XXXX XXXX Balance {$140.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : FCRA Violation Failure to Update Account Information Dear TransUnion, I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) concerning the failure to accurately update my account information on my credit report. 

My details are as follows : I have identified the following issues with my credit report : 1. XXXX XXXX account Information is inaccurate. That account was fully paid off on XXXX with a {$0.00} balance and your company has failed to update it. I already spoke with Submit about this account that they have already submitted to your company. Your company states that you update information everyday. 


Under the FCRA, you are obligated to ensure that the information you report is accurate and kept up to date. The failure to update this information is a direct violation of my rights as a consumer. 

I request that you take immediate action to : 1. Investigate the inaccuracies in my credit report.

2. Update my account information to reflect the correct status.

3. Provide me with written confirmation of any changes made. 

I appreciate your prompt attention to this matter and look forward to your response within 10 days if not corrected I will pursue legal action. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I use XXXX XXXX to check my credit. My score has dropped over XXXX points twice in the last 30 days. On equifax, it shows for the first drop, that several accounts, both open and accounts that were closed years ago in bankruptcy, have new remarks. The remarks say closed/ paid in full. Then for whatever reason, all of these marks were removed, and that dropped my score again! How is this able to happen? Equifax basically said we dont know, have to investigate. 
I have no late payments, my 2016 XXXX is the only negative item. I have paid down more debt than added. This is abuse and affects many aspects of living in this country.