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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX Account # : XXXX Balance : {$7600.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX  XXXX Account # : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX  Account # : XXXX Balance : {$260.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX Account # XXXX XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX Account # : XXXX Balance : {$150.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX Account # : XXXX Balance : {$380.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2600.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX Account # : XX/XX/XXXX Balance : {$100.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX  Account # : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX Account # : XXXX Balance : {$820.00} Date Opened : XX/XX/XXXX Account Status : open UNAUTHORIZED INQUIRE ( S ) TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I tried to get a mortgage loan around XX/XX/2020 and found out about IQ Data International. I contacted them the next day over the phone for the first time to dispute the amount they were claiming I owed for an old apartment balance. I was told that since it was my first time contacting them in regards to the debt that they could offer me a one time offer to pay off the debt which was still less than the amount owed from the original creditor. I was told that I was being charged interest as a penalty for not taking care of the debt. I have attempted to dispute with the credit bureaus also since I found out about this debt on my credit profile the balance has gone up every month. I have documentation from XXXX County when it was discharged in court from the original creditor but I am not getting the necessary assistance to get this item removed. I have sent them a request to validate debt with my signatures confirming the debt but received a generic form back from the company. They never responded with their proof of debt but want me to pay for services that are inaccurate.
Product: Credit reporting or other personal consumer reports

Transunion refused to remove accounts they knew to be incorrect. Since I have not been able to resolve the issue I filed a lawsuit against Transunion and now you must stop reporting the account until you have proved to the court you indeed verified this information as correct. The account XXXX XXXX, XXXX XXXX XXXX and the debt for XXXX XXXX XXXX XXXX should be immediately removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss ; therefore, I seek appropriate redress for these violations.
Product: Checking or savings account

To whom it XXXX concern, I reached out to the Wells Fargo customer service representative upon receipt of my first overdraft fee on XX/XX/year> and they informed me that there was a change to their overdraft fee policy. This change was implemented at the beginning of XXXX. This was a change to the fee reimbursement. They would be only servicing XXXX transaction type per account per service year. This directly affected my account and how the fees with it are assessed. There was no correspondence of this change sent. Wells Fargo has always informs me about the changes to their policies and my account in the past. For example, with the extra grace day, for overdrawn accounts. The company informed it's clients and advertised the change. With the former change, I was informed there was no correspondence sent out. I was blindsided. This led me to generating overdraft fee after overdraft fee every other day, trying to play catch up. 

I was not prepared for this change. With the economy and inflation failing me and the rest of the country, I expected more from a bank I have been with my whole life. I accrued XXXX overdraft fees totaling {$700.00} due to this. This is unheard of in the span of XXXX months. That is my bi-weekly check. This all has occurred due to my account being overdrawn from the previous negative day, and me playing catch up. Luckily, I was able to bring my account current. 

When contacting their escalation team, they informed me I was informed, during my previous calls, that I would not be eligible for future returns. I was not informed and they would not provided any additional transcripts verifying this. 

I am currently XXXX  because of this and I have no where to live. Please assist in anyway you can. 

Regards, XXXX
Product: Debt collection

IQ Data is a completely unreasonable arm of the rental industry and a disgrace to multifamily properties. 

The first time they call they assume we are losers and they are not shy about lecturing us on how to manage our finances. Both I and my wife have an 800+ credit score and make a high six-figure income. What makes them think that we would try to cheat a property management company for {$250.00}? 

Anyways, the property management company already said they have corrected the amount we owed as there were double charges but the IQ Data insists to pay the original amount. Their representative ( XXXX ) is so rude that she talks over us all the time and don't even want to listen to anything else. 

It's so sad that these people are forced to work in such kinds of jobs and trained by vultures. I can just imagine how XXXX up kids they would be raising after doing such horrible jobs. Hope CFPB can control this beast of company and get relief to American families who are just trying to survive from day to day.
Product: Debt collection

on XX/XX/year> Zions Debt Holding received a certified letter they signed for stating to cease and desist with communications with me they were to remove this account off my consumer report which is a means of communicating with me. They continue to send out text messages after the letter was sent. They continue to harass and use abusive language, and obscene language towards me and contacting me at my place of business. 

They contacted me Via text message on XX/XX/XXXX at XXXX XXXX I uploaded the proof of the violation 15 usc 1692c I need them to cease and desist in communicating with me, in all means via, emails, text messages, consumer reporting, calling me, post card.
Product: Credit reporting or other personal consumer reports

I sent in two different items for verification and still always get this letter in return I don't understand what they are doing
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : **Formal Complaint Regarding Late Payments and Unauthorized Credit Reporting** Dear Exeter Finance I am writing to formally address a serious concern regarding my credit report and the reporting of late payments that I believe are inaccurate and have been reported without my written consent. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and fair reporting of my credit information.

**Details of the Complaint : ** 1. **Late Payments : ** I have noticed that my credit report reflects late payments that I do not believe are accurate. I request a thorough investigation into these entries.

2. **Unauthorized Reporting : ** I have not provided written consent for the reporting of this information, which is a violation of my rights under the FCRA . 

**Request for Action : ** I kindly request the following actions to be taken : - **Removal of Negative Information : ** Please remove all late payments and any negative information related to my creditworthiness from my credit report within 10 business days. 

- **Cease and Desist : ** I request that you cease all communications with collection agencies regarding this matter, including any digital, email, or other forms of communication. 

I expect a prompt response to this letter and a resolution to my concerns. Please confirm receipt of this letter and inform me of the actions you will take to rectify this situation. 

Thank you for your attention to this matter.
Product: Debt collection

See attatched CREDIT CARD LETTER dated XX/XX/XXXX CONFIRMS FRAUD CLAIM date XX/XX/XXXX OF {$470.00} See attatched USAA statement XX/XX/XXXX. Note at the bottom of the page XXXX XXXX CREDIT - {$120.00}. The balance ( AFTER XXXX XXXX WAS CREDITED IS {$470.00}. ) XXXX PROOF XXXX XXXX {$120.00} WAS NOT REPORTED FRAUD BY ME XX/XX/XXXX. USAA HAS LIED FOR TWO YEARS SLANDERING MY NAME CALLING ME A CRIMINAL TO CRAs Reporting I REPORTED FRAUD ON RETURNED GOODS. XXXX XXXX. XX/XX/XXXX. {$120.00}. THIS DESTROYED MY CREDIT AND IS A LIE. I DID NOT REPORT {$470.00} & {$120.00} FRAUD. I ONLY REPORTED THE BALANCE. TRANSACTIONS. AFTER XXXX XXXX WAS SUBTRACTED {$470.00}.
Product: Checking or savings account

On Friday, XX/XX/2022 I opened a checking and a money market account with Huntington Bank and deposited {$1100.00}. The accounts were successfully opened. Then, today, XX/XX/2022 my accounts were closed without any notification and my {$1100.00} which I need immediate access to are missing. This is very scary for a bank to successfully open accounts and people deposit their hard earned money then for the account to be closed just days letter. This could cause financial ruins in low income households with money being missing. This bank should be investigated by the FTC!
Product: Money transfer, virtual currency, or money service

My personal information was exposed and was charge outrageous amount to send and receive funds
Product: Credit reporting or other personal consumer reports

My Score on Equifax are not showing on my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED THE COMPANY AND LET THEM I DID NOT AUTHORIZE AN INQUIRY INTO MY CREDIT FILE.
Product: Credit card or prepaid card

I received information in regards to a final bill being due for a large amount for an account opened for an apple credit card. The notices stated a payment was due by XXXX XXXX when I contacted the company in regards to the transactions they stated to file the identification scam online so they can obtain a copy of the report in order to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX : account number XXXX XXXX XXXXXXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX  15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX submitted a fraud claim to XXXX, XXXX XXXX, and PayPal. This claim stems from me accepting a fake remote job online from a person who acted as a professor for my school The University of Arizona. I sent this fake professor personal information when accepting the job. After weird charges started to show up on my credit card accounts, and me sending payments to the fake professor for work supplies. I spoke with the University of Arizona asking if the professor really worked there and if this job was real. I was told no, but this was a big problem The University of Arizona was facing at the time ( fraud/ scamming students ), and I was instructed to call my credit card companies and file a claim. In which I did on again XX/XX/XXXX, sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue. The fraud claim was accepted and I was told these accounts would be written off, closed and removed. I then leave the issue along thinking its been resolved. Time passes now in XXXX i graduated in XXXX, before my last semester I found out I ran out of financial aid. So I went to apply for some loans to make sure I get my degree for a job I had lined up. I ended up getting denied due to derogatory marks on my credit report being the same credit accounts XXXX, XXXX XXXX, and PayPal that was associated with the fraud case. Upon looking at my credit report they were still listed on my report at just charge offs and the cards had looked as if they were still used for some time. I took action by contacting the credit card companies to which they stated the fraud claim is denied due to no police report. This was a contradiction to what was stated in XXXX, XXXX when the claim was accepted as fraud and I was told it would be removed. I took up more action by getting a police report this time, along with writing letters to the XXXX XXXX, XXXX, and PayPal of the incident. As well as sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue again. In addition to a consumer report as well. I have yet to see these accounts removed, even though I have provided all necessary evidence, and they have found the claim to be true in XXXX.
Product: Credit card

I obtained a charge card through Mattress Firm for the purchase of a bed in XXXX. The total balance was about {$5000.00}. It came with a " promotional savings '' that if i paid in full by the time that the promotion ended I would not pay any interest. XX/XX/XXXX that end. I made my final payment in thee same month about 12 days later the total of {$790.00} to which I was told by the customer service representative that if I paid the above balance in full they i would not have to pay {$2300.00} in interest. I have never made no other purchase on this card. I only used it to buy my bed, and paid consistent payment on it until the final day. 

About 7 days later, I received a letter in the mail stating that Synchrony Bank would not be able to accommodate my adjustment because the payment was received after the scheduled date of when the offer ended XX/XX/XXXX, I made the payment on XX/XX/XXXX. 

It is my understanding as a consumer that the any bank has to wait until the closing of cycle to make such things, I was not late on the payment as the due date for the payment was XX/XX/XXXX, and paid the entire balance on XX/XX/XXXX. 

However, they have now put a fraud notice on my account where they are questioning if I am the person who opened the account, to deter me from disputing the interest charge on the card, that they are now making me pay. I have not received any letter letting me know in writing what is going on, I received the paperwork via Docusign, asking me for my social security and full name, I am not able to speak with anyone about this email or even my account, and resolve the issue. I paid my debt in full, I would agree in paying interest on the remaining balance of {$790.00}, but the amount they are trying to charge me in interest is excessive, I can buy a whole new mattress with this interest charge that they now say I owe, they are also compounding interest on top of the interest charge, which for me looks and feels predatory. 

I am attaching a copy of all my statements and letters received. I am also filing a formal complaint against this bank with Department Financial Services for predatory lending practice. Because I don't other consumers to go through what I am going through with this bank.
Product: Vehicle loan or lease

ON GOING HABITUAL LIES AND MISREPRESENTATION OF COVID 19 RELEIF DEFERMENTS AND ADDITIONAL LOAN MANAGEMENT ASSISTANCE MISREPRESE3NTATION. PER DOCUMENT REPLY PACKET PROVIDED IN RESPONSE FROM WELLS FARGO : DATED XXXX XXXX, 2020. SAID DOCUMENT, REPORTS REPEATED VERBIAGE MISREPRESNTATION - LIES WITHOUT PROOF. OF " SAID REQUEST. '' WELLS FARGO EXPRESSLY REFUNDED PAYMENTS AND STATED THIS WAS " ADDITIONAL COVID 19 RELEF '' AND WAS ISSUES IN CONJUCTION WITH ROUND 2 OF DEFERMENT OF ADDITIONAL PAYMENTS TO ASSIST CUSTOMER DURING A DEVISTATING TIME IN OUR HISTORY. 

WELLS FARGO THEN RENIGED ON THEIR COMMITTMENT TO COVID 19 RELEIF. STATING CUSTOMER " REQUESTED '' AN OPTION. 

WE THE CUSTOMERS HAD NO IDEA THIS COVID 19 RELEIF REFUND WAS OFFERED UNTIL " WELLS FARGO REPRESENTATIVES PRESENTED OFFER '' AND REFUNDED. WE HAD NO REASON TO QUESTION - UNTIL WELLS FARGO BEGAN DEMANDING PAYMENTS 3 TIMES MONTHLY PAYMENT AGREEMENT. ADDITIONALLY, THE DATES STATED I, THE CUSTOMER, MADE THE REQUEST ARE IMPOSSIBLE CONSIDED I RECEIVED THE REFUND IN THE MAIL THE SAME DAY THEY STATED I MADE THE REQUEST-AGAIN THIS IS MISREPRESENTATION OF MY WORDS AS WELL AS THEIR OFFER TO ASSIST CUSTOMERS, WAS FOLLOWED BY DEMAND TO PAY.
Product: Mortgage

My complaint involves BMO Harris Bank NA. I filed bankruptcy on them over 10 years ago on a second mortgage. I have been trying to negotiate the second mortgage for almost two years now. BMO Harris Bank NA, ran a hard inquiry on my credit bureaus, XX/XX/XXXX of 2019. At that time we were in negotiations for a settlement. I was not aware they ran my credit, nor did I give them the authority to run my credit. After they ran my credit, they saw that I had a good credit score, and decided to settle for the full amount. I know they illegally ran my credit without my consent or any signatures. This also influenced their decision with their settlement amount. I am filing the complaint today because I want action taken against BMO Harris Bank NA for running my credit without my consent. Also I would like to know if I have any legal Avenues against them? Such as filing a lawsuit against them, or suing them in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and XXXX U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 

To Transunion Recently I did an investigation on my credit report which caused my severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 





Sincerely, XXXX XXXX