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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this capitalone Walmart card on XX/XX/2022, XX/XX/2022 in XXXX has refused dispute or delete this account. I asked for capitalone and XXXX to send a signed contract and I have not received anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I believe wells fargo is attempoting to steal hundreds of thousands of dollars from me through criminal lending practices. I entered into a deferement program with wells fargo due to being unemployed from COVID-19 related illnesses. Upon attempting to restart my payments a wells fargo employee told me " you do not have a choice in what program you use. '' i would get no explanation as to why i HAD NO CHOICE. after fighting back and forth with wells fargo and being threatened with foreclosure multiple times i reluctantly signed their paperwork so my family and i wouldnt be homeless. 

i was told by a wells fargo employee when i started the deferement program that the VA disaster relief fund would take all my missed payments and add them in months to the end of the loan. my apr would not change and my monthy payments would not change. 

when i tried to come out of deferement i was told by a wells fargo employee " you do not have a choice in what program you use. '' When i initially bought my house i had a loan for XXXX dollar in XXXX i made near 7 years of mortgage payements. after finishing this entire ordeal with WELLS FARGO and their criminal practices my new mortgage was RESTARTED AT 360 MONTHS, my APR went up close to 7 % and my monthly payments are close to {$2300.00} now. my monthly payment the day prior to deferement was XXXX. 

During the ordeal of preventing WELLS FARGO from putting my family and me out on the street and stealing my house i made THREE PAYMENTS AT XXXX, totaling XXXX dollars. i asked a wells fargo employee " where did that money go? '' and NEVER GOT A STRAIGHT ANSWER. that money went into somoenes pocket just like my near 7 years of mortgage payments. 

I was lead to believe i could recuperate and recover while out of work and " It'll be like nothing ever happened. '' Well a lot did happen. 

to reiterate XXXX. I was told by a wells fargo employee i could utilize the VA disaster relief fund when i inquired about the deferement program initially. 
XXXX. I was told by a wells fargo employee " you do not have a choice in what program you use. '' when i attempted to utilize the VA Disaster relief fund. 
XXXX i was told by a wells fargo employee " your monthly payment wont change, your apr wont change. the only thing that will change is the term of your loan. '' XXXX i attempted to restart my payments and felt as if i was being taken advantage of. 
XXXX i made THREE PAYMENTS OF XXXX and now can not find where any of that money went. 
XXXX i reluctantly singed papers so i could house my family. 
XXXX. MY LOAN HAS BEEN RESTARTED AT 360 MONTHS! 
XXXX. MY APR WENT UP TO NEAR 7 %. 
XXXX. MY MONTHLY PAYMENTS ARE NOW OVER {$2300.00} A MONTH!
Product: Mortgage

In XX/XX/2020, I informed Freedom Mortgage ( Freedom ) of an Annual Fee that should be included/paid out of my Escrow Account. This is an approximately {$750.00} annual fee for the water/sewage pipe that connects to the county pipeline. Failure to pay this fee subjects the property to liens. Section 3 of the Deed in XXXX governs the Funds for Escrow Items. This section clearly reflects : a sum ( the Funds_ to provide for payment of amounts due for ( a ) tax and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the property, ( b ) leasehold payments or ground rents on the Property, if any ; ( c ) premiums for any and all insurance required by Lender under Section 5 ; and ( d ) Mortgage Insurance premiums to be paid by XXXX XXXX XXXX XXXX or the monthly charge by the Secretary instead of the monthly Mortgage Insurance Premiums. These items are called Escrow Items. This expressed language in the Deed of Trust clearly includes this annual fee. 

XXXX consistently fails to include this annual fee in my escrow analysis and to timely pay this annual fee claiming it is a utility bill or ground rent. I consistently explained to XXXX this is not a utility bill, tax bill, or ground rent because water and sewage is paid to XXXX monthly and taxes are paid semi-annually to XXXX XXXX XXXX. After going back and forth with XXXX, it eventually paid the fee after it had accrued late fees as well as collection fees. Freedom employees have claimed that they will note my account to have the escrow analysis updated to include this fee. However, the recent analysis fails to reflect this adjustment just like the previous years! I also requested XXXX employees send me the written determinations concerning this issue. To date, I have not received any written communication why XXXX refuses to timely make these payments or to include them in the escrow analysis. I believe that XXXX is engaged in negligent servicing of my loan that is in violation of 12 CFR 1024.17 ( c ) ( 4 ) that has caused damages, including a consistently deficient escrow account and increased fees due to collection fees, late fees, and interest. 

It is important to note that XXXX makes it difficult for borrowers to address these issues by ending its customer service email account and directing borrowers to fax in documents for their accounts. Furthermore, XXXX fails to respond to any requests to provide documentation of its alleged determinations that this fee should not be paid out of the escrow account. This is my last attempt to address this matter before I have to legal action against XXXX for negligent servicing.
Product: Debt collection

I have already filed a complaint with you guys an complaint # is XXXX The complaint is against XXXX   XXXX XXXX who has yet to respond to my claim its been over a month I was notified by CFPB that the company had not responded an I just want to know why CFPB has not be able to intervene this is unacceptable this company is trying to collect debt that I do not owe to them they have been calling harassing me I want these XXXX XXXX accounts deleted from my credit report
Product: Checking or savings account

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Product: Prepaid card

I have received a {$500.00} American Express gift card as a XXXX gift. I have not been succesful in buying products and using it. I was able to make one purchase from XXXX but now it doesnt work at XXXX . Ive tried using it at XXXX XXXX, XXXX 's, XXXX XXXX with no success. I am not able to go search for retail outlets that may accept this card at this time as I am at home. 
XX/XX/XXXX the card was purchased from a grocery store. 
XX/XX/XXXX XXXX card declined " missing security code '' {$140.00} XX/XX/XXXX XXXX -successful purchase -woo hoo {$20.00} XX/XX/XXXX XXXX XXXX Declined `` missing security code '' {$35.00} Many Times on XXXX I tried and it was declined and purchases go back to default payment. 
XX/XX/XXXX XXXX XXXX declined {$450.00} XX/XX/XXXX balance left on the card {$470.00} I would like to use this card, but where is it accepted. I assume Amex makes it difficult to use in hopes it wont be used and they will make money off of these cards. 

As I read online such as XXXX, it seems like many are having issues with the AMEX gift cards. Almost no where can they be used. So I am hopeless on how to use this gift card.
Product: Checking or savings account

I requested that my dispute denial be appealed. I provided supporting documentation on XX/XX/XXXX showing that the company was dishonest about their services and algorithm as well as their refund policy. Wells Fargo has once again denied my claim after ONE DAY of investigating, which I find to be insufficient considering the amount of my dispute. I'm requesting that my denial be reversed and all funds credited to me immediately.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill XXXX have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX date late payment XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was involved in a car accident last XX/XX/2020 the car was paid by my insurance and gap insurance and I will said over paid and the Company still reporting to my Credit as account not fully paid.
Product: Credit reporting or other personal consumer reports

I placed a freeze on my credit with all organizations ( Experian, XXXX and XXXX ) a while ago. I needed to unfreeze my credit to purchase a vehicle on XXXX. My passwords worked correctly on XXXX and XXXX, but not on Experian. I tried to change my password online many times, but they needed to complete verification by texting or calling a wrong or old phone number which I do not have access to. So I tried numerous times to contact them via telephone, on several different numbers, but could never speak with a " Specialist '', so I could not correct their misinformation. An organization with this much power should be more responsive to the people of this country, over which they hold so much sway. I was able to purchase the vehicle through an organization that wisely didn't use their service, however I still have been trying to correct this issue. I received a letter from XXXX  XXXX XXXX stating they were unable to approve my request based upon the frozen status of my report with Experian, and that I was entitled to a free report as a result. Trying to get the free report proved impossible on Experian 's worthless non human, non-answering, non-service phone response. This non-human, non-caring robot wanted {$7.00}. Please wake them up, if anyone works there.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.
Product: Credit card

I received a Shop your Way sears/XXXX MasterCard in the mail that I never authorized or requested. I have called the number on the back of the card to report the fraud and tell them not to report this card on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Bankruptcy - XXXX Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX SYNCB/XXXX Account XXXX Company Name : Synchrony Bank XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX Cred.Ai In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I received a " Dave '' debit card in the mail thanking me for opening my account. I did not open an account and this is FRAUDULENT On XX/XX/13 I called the bank the account was opened at XXXXXXXX XXXX and XXXX XXXX XXXX  and gave them the Account number on the pamphlet on the card. They showed that as a XXXX account number, but said I needed to work with their " Dave '' representative, as they had nothing to do with the set up of the account. 

I was then transferred to the " Dave '' representative, who spoke with a XXXX XXXX but I am not sure of her location. She asked me for personal information like phone numbers and address for confirmation. I told her I did not feel comfortable providing. I did provide the account number again and told her this was fraudulent. I asked her to deactivate the account and send me an email, and to report this to the credit bureau, ( I gave her my address and had her say it back to me for confirmation ). To this day I have not received this confirmation. I wish to have this immediately for understanding this issue is done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit inquiry Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX Requested On XX/XX/XXXXXXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these companies are showing up on my credit report that I recieved through my yearly credit report and I have no knowledge of or gave authorization to do any transactions that would require this type of authorization of any sorts.
Product: Mortgage

USBank is stating I had a 60 delinquency as of XX/XX/23. However, the HELOC was paid in full and closed on XX/XX/23. 

In XXXX, I paid the minimum amount due using the online payment system. USBank is stating I was short {$16.00} on that payment. I paid {$1000.00} and USBank says that I should have paid {$1000.00}. At time of payment, my checking account had over {$4900.00} and paying the additional {$16.00} would not have been an issue. 

I filed a dispute, they said what they are reporting is accurate. I spoke to my bank manager and she escalated to the Regional Manager in XXXX Colorado. They stated I needed to again dispute with their team and provide additional information. 

I am trying to refinance my home, and these two 60 day delinquencies are impacting my credit score very negatively and I will not be able to re-fi and will cost me thousands.