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

Trans Union XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX compant name is lvnv funding llc i contact the company i wanted to see the original documents with my signature cause the address do not match where i been living for the last 5 years
Product: Money transfer, virtual currency, or money service

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: Mortgage

My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. Please help me!!
Product: Checking or savings account

XX/XX/2024 - {$320.00} XXXX {$320.00} XXXX {$9.00} XXXX {$9.00} A Wells Fargo representative reached out to me on XX/XX/2024 stating that they suspected fraud on my account, 2 different transactions for XXXX from a company called XXXX XXXX XXXX in XXXX. I told her I never heard of that company and never made a purchase, I currently reside in XXXX Texas, and the company is located in XXXX., I also reached out to the company that used my information and they had no reciliation of my order and said that I need to contact wells fargo immediately. On the same day XX/XX/2024 the wells fargo put in a fraud claim for those transactions, I also spoke to a representative later on on that day and he said that my claim was filed incorrect and it was best that we didnt change it. I received a email on XX/XX/2024 that no error was made. Which is incorrect since I never gave out my debit information to that company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Reques tXXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 4. Provide me with a written response detailing the results of the investigation and actions taken. SincerelyXXXX : XXXX XXXX
Product: Debt collection

I am writing to dispute fraudulent accounts on my credit report, which I believe are a result of identity theft. The unauthorized accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Two fraudulent charges for {$11000.00} each were run through my Citi Bank MasterCard account on two consecutive days on or about XX/XX/2020. The bank put me over my authorized credit line by about {$1500.00} to pay for the second charge. I did not authorize them to do that and had they stayed within my limit, this would not have happened. I had also just made an early balance payment of about {$9000.00} the same day the charges were made. 

Nobody flagged the account despite the obvious duplicate and fraudulent charges amounting to over {$23000.00}. It was a huge mistake on the part of Citi Bank. The charges were made using an app, there is no signature. I was able to determine that the merchant was working on an unrelated fencing project on my property. He has a criminal record for fraud. The bank determined they were both fraudulent transactions and XXXX XXXX closed my case XX/XX/XXXX. I told Officer XXXX of XXXX  PD investigating the crime that the case was closed and they also closed their case. Months later I was looking for a credit balance for a refund owed to me by XXXX XXXX related to covid19 cancellation and saw that the charge had resurfaced. I called again and again and again and am told that the bank reversed the first charge and not the second charge by mistake. The merchant voluntarily reversed the first charge after I told him I was going to call the police. The police believe he reversed the first charge because theft over {$20000.00} carries with it a much stiffer penalty. I have talked to over a dozen people in the security department of Citi Bank, they all tell me the same thing and the matter remains unresolved. Security department employees include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in North America. Many more were also involved in the offshore offices. XXXX has not responded to at least three messages. 

I have nothing to show for {$11000.00}. The bank refuses to protect me and is ruining my credit. I have since incurred interest and service charges for something that was not my fault. I am being held hostage by the bank who is also in possession of funds that are payable to me. What they are doing is criminal. 

I was a client for ten years but after this failure have lost confidence in Citi. I paid my bills on time and in full. I never carry a balance. Its just unreal that a bank can get away with enabling a crime like this. The merchant is in possession of my money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. The unauthorized inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX According to XXXX XXXX XXXX XXXX XXXX the credit bureau is supposed to ensure maximum possible accuracy, the account violates these laws Delete the follow inquiries. 

15 U.S code 1681i 15U.S code 1681s-2 15 U.S code 1681I ( 5 ) 15 U.S. Code 1681b 15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681n 15 U.S. Code 1681e
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Credit Acceptance Corp failed to comply with my XXXX XXXX Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to Credit Acceptance Corp requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with CREDIT ACCEPTANCE CORPORATION XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX   XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on several occasions with XXXX XXXX & Experian. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the Equifax update my address on the credit report several times. It's incorrect. Equifax has refused. I have also sent in the utility bill and other documents to have the address update..Now there is inaccurate information on my credit profile and Equifax is willingly and knowingly refusing to change it. 

In addition to that, I have tried on several occasions to pull my free annual report and Equifax is blocking that. 


I have also called and sent letters to XXXX as well so that they can update the address and its not updated.
Product: Credit card or prepaid card

Capital One closed my account for non use ( only two years ). This is exactly what consumers do not need right now with the Covid-19 issue. This closure hurts my credit and it was down with no warning and is Un-American.
Product: Mortgage

Rocket Mortgage escrows for my homeowners insurance. They have not paid the insurance and it is being cancelled. I notified them and the insurance company billed them. They do not pay the escrows timely.. 

They do promptly credit mortgage payments to the account. They cash checks but to do not credit account. 

I have sent them faxes and emails but they do not respond.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

Company has contacted me multiple times and I have asked them to provide documentation for the debt they are attempting to collect. They have sent me letters with payment options too.
Product: Money transfer, virtual currency, or money service

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 ( CFFPA ). 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 Electrical Fund Tranfer 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, credit repair services, or other personal consumer reports

XX/XX/21 There are things on my credit report that should be erased ... Things that are court dismissed, but, does not show on credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE TRANSUNION REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS AUTO LOAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO CREDIT REPORT. I ASK THAT THESE BE REMOVED WITHIN 4 DAYS.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failing to forward. Consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures online with my experience where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX and XXXX inaction violates federal law in my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for the XXXX XXXX from Wells Fargo. Through the application I applied for a balance transfer from Wells Fargo to XXXX XXXX XXXX XXXX XXXX XXXX ). I was approved for {$2300.00} to be transfer to the XXXX XXXX. On XX/XX/2022, the balance transfer appeared in my Wells Fargo account but not on my XXXX XXXX. 

I waited 7 days because I know a transaction like can take a few days. When nothing happened I reached out to XXXX and they notified me that they do not accept balance transfers electronically and that the money would be returned when received but that at the moment nothing had been received. I reached out to Wells Fargo and I was told to wait because sometimes transaction can take up to 30 days. 

I kept waiting and called back but this time I did a three way call with XXXX and Wells Fargo. XXXX informed Wells Fargo that funds were not received so a refund could not be made. After XXXX left the call Wells Fargo offered me to escalate the issue with an investigation that could take up to 90 days. This was in XX/XX/2022. 

I kept calling throughout the 90 days and was told to wait and I did. At the beginning of XXXX, I decided to go personally to a Wells Fargo branch here in XXXX. I went with all my XXXX XXXX statements since XX/XX/2022 to show them that nothing was received. The banker told me that she would do everything in her power to help and apologized in behalf of the bank. After she made calls I was told the same that the 90 day investigation was still under place and that I needed to wait 2 more weeks so I waited. 

I then received an email saying that the balance transfer was successful so no refund was going to be provided. I went back to the bank and met with the banker again and she told me the same but that she would try and find out more. She sent me a document via email of the balance transfer information and when reviewing the document I noticed that the credit card number was incorrect and that the bank where the money went was to a XXXX and not a XXXX XXXX XXXX. 

I decided to call XXXX again and the representative told me that they could start a payment dispute but that the credit card number entered did not belong to a XXXX XXXX XXXX account. I informed all of this to the banker from Wells Fargo and I was told that because I entered the information wrong and that the money had already been paid by the bank they could not do anything else for me. 

Nonetheless this experience has been the most frustrating ever. My bank to which I have entrusted my money for the past 2 years has not had my back or not even the will to help me contact XXXX which I can not contact because I do not have an account with them and I have been left to do an investigation myself when I do not have the resources a bank like Wells Fargo do. 
I contacted Wells Fargo again today to give them one last chance and I was pretty much told that once the funds has already left the bank it was not their responsibility to contact XXXX or any other bank.