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

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$44.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$44.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal information to be stolen. Their own website confirmed it. They also waited months before telling people and in that time I 've had fraudulent charges on my debit card AND credit card. This is unacceptable. OHH, and the top 3 executives for Equifax sold their stocks only after finding out that their system had been breached. HOW CONVENIENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX CR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

First National Bank did not pay the insurance premium ( which was escrowed ) in XX/XX/XXXX on my uncle 's mortgage account. The insurance agent called me and stated she had spoken with First National Bank several times to try and get the payment on the premium with no response and the homeowners insurance was cancelling in the next few weeks for non-payment of the renewal. I reached out to both First National and the insurance company in XX/XX/XXXX to see if the payment had been paid and it still had not. Agent said she was not able to reinstate policy since it had already cancelled and new policy would be much more expensive.

First National Bank forced placed a policy in XX/XX/XXXX on the home. In XX/XX/XXXX my uncle passed away and I inherited the property. I took out a new homeowners policy beginning XX/XX/XXXX and sent over proof to First National Bank by fax several times along with calling them to cancel off and refund the forced placed insurance policy. The Insurance dept at First National called my insurance company XXXX XXXX XXXX ) and verified that we had coverage on the home but the forced place insurance was never removed. I am paying this mortgage off tomorrow and the payoff still includes 2 years of forced place coverage. 
We are due a refund of the full 2 years of coverage of this homeowners insurance. First National Bank is at fault for not paying the original premium on the homeowners coverage which increased our costs on trying to find a new insurance policy. AND they have not been willing to refund the force placed insurance even though numerous policies have been provided showing we had other coverage. This bank is the worst with communication and responsiveness.
Product: Mortgage

Applied for a modification and the lender/servicer continues to delay the process, and now is trying to foreclose.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Attorney General, Sending you the photos statements of the TCF bank that was internet hacked, stealing out my account over {$100000.00} to {$120000.00} Also included is the attorney 's XXXX XXXX 's letter he has sent to TCF Bank. Including is the denial letters from TCF bank, they said i profit from the the person 's that stole my money out of my accounts, which i never did! How could i have profit when my money was stolen from my accounts! TCF bank never put a stop of the money the person 's wired out of my accounts.

I did not know my money was stoien from my accounts for a week when i went to TCF bank, TCF never notified me!

TCF bank sold their bank to Huntington bank, I been trying very hard to have Huntington bank to give me back the money that was wire stolen from my accounts, they said they could not do anything [ nothing ] for me, because TCF bank shut down my account and they have no record of my accounts, I said but i do have the bank statements, but yet Huntington bank wants me to pay back the two fraud checks total {$11000.00} that was sent to me from the sweepstakes scam from XXXX XXXX XXXX bank which i deposit in TCF bank, both checks bounced. How did Huntington bank have this account record from TCF bank, and not my other accounts?

Huntington bank has all my TCF accounts information, they keep lying to me! They do not want nothing to do with me, they told me that they could not help me!

There should be some laws for banks to protect your money, i am hurting, the money was wire stolen from my TCF accounts, Huntington bank should be held responsible to give me back my stolen money, they have my TCF accounts, when i talked to other persons in the dispute department they said they are waiting for my TCF bank accounts, later when i called they told me they found them, now they tell me they don't have any accounts of my TCF accounts, and will not do nothing more for me!

I hope you could please help me recover my money, to get Huntington bank to give me back my money that was wire stolen, from the TCF accounts. TCF bank sold their bank to Huntington bank, they did not care of the money wire stolden out of my accounts!.

I am hurting, please help me get back my money from Huntington bank, that was stolen from my TCF bank accounts. 


Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I ask that they have this investigate and have this account reported accurately and REMOVE the late marks as it is severely affecting my credit scores.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As you are aware, data breaches have become more prevalent, and my personal information was among those affected. I have reason to believe that the following entry on my credit report is the result of this breach and, therefore, may not be accurate.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate, complete, and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : A Hard inquiry was performed on XX/XX/2023 to my Credit by XXXX XXXX ( CNAC ) which was not authorized by me. I have not signed any paperwork or applied for any auto leases or loans through this or any other Company. While my husband does have a outstanding loan with this company, my information was not used, in full or in part, on any of the paperwork pertaining to this loan. I have not given Verbal permission, or Authorization of any form as well. I feel that my personal Information has been compromised as I did not give them any of my Information, such as but not limited to, my Social Security Number, or Date of Birth. I feel as though this is a attempt to steal my identity and use my information in any way that they seem fit without. I would greatly appreciate if this issue could be investigated and evaluated to the fullest extent. Thank you for your time, dedication, and service. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe to be incorrect. The presence of this inaccurate information is concerning and I request that it be investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I discovered an account listed as " undesignated '' under ownership status. This designation is ambiguous and does not accurately reflect the true status of the account. Moreover, I affirm that this account does not belong to me. The FCRA mandates that credit reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Despite my previous attempts to have this matter corrected, the error persists. This continued reporting of incorrect information may constitute a violation of 15 U.S.C. 1681i, which requires agencies to correct or delete inaccurate or unverifiable information from their files.

I am formally requesting that [ Credit Reporting Agency Name ] conduct a comprehensive investigation into this matter and remove or correct the erroneous entry to reflect only accurate information on my credit report.

Please provide me with written confirmation of the investigation results and a corrected copy of my credit report upon resolution of this issue.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX XXXX XXXX has informed me that they are excited to let you know that we have received the Initial Approval on your loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
XXXX XXXX shows credit scores as follows TRANSUNION reports a score of XXXX as of XXXX/XXXX/XXXX ( very disappointing ). XXXX XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

TRANSUNION 'S KEY FACTORS Serious delinquency Time since delinquency is too recent or unknown Proportion of revolving balances to revolving credit limits is too high Number of accounts with delinquency The number of inquiries has adversely affected the credit score. 

Letters submitted on or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX, and XXXX have been filed disputing these very same key factors. A review of TRANSUNION credit report # XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX revealed that the information reported by TRANSUNION does not support these absurd key factors nor does this information support the appalling credit score. This is the worst credit score I have ever received.
Product: Debt collection

I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011
Product: Debt collection

company first said i owed {$8500.00} have been making payment now company says my amount owed {$8000.00} with payments of {$3800.00} received yet i still owe {$4800.00} which equals {$8700.00} and is {$670.00} over the amount they say I owed. i also sent a payment of {$490.00} which i have not seen deducted from balance yet. is my money going to my debt and do they actually know the amount i owe the courts
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accoun1ts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Received a gift card ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ), and set it with several other gift cards. The cards were not registered a time of receipt and not used for several years. 

Went through online registration at XXXX XX/XX/XXXX and the card showed a balance of {$6.00}. Placed a call to number listed on card XXXX, the same day questioning the reduced balance, as the card had not been used. I was advised that a {$2.00} inactivity fee per month after 12 months inactivity was deducted by U.S. Bank. I questioned this fee as the card did not expire till XX/XX/XXXX and requested they credit the fees. I was told this was not possible. 

I have another {$50.00} ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ) which was stored with the reduced balance card with an expiration date of XX/XX/XXXX and clearly states on back no activity fee. Funds don't expire and card valid thru date on front. Their is no fee for replacing an expired card. 

I would request U.S. Bank refund the {$44.00} charged for inactivity fees. Thanks in Advance for any assistance provided.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 a bunch of XXXX accent people called me, and after some conversation, they convinced me to send {$800.00} to my daughter From Cashapp I sent it {$800.00} to my daughter Then I asked my daughter to send it back She sent it back once it came to my account they somehow managed to empty my account and sent the money by bitcoin to themselves I called Cash App and they just hung up on me very rudely and I sent them three letters and they never answered
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by XXXX, Experian, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against XXXX and Experian. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrote and mailed a dispute letter to Experian on XXXX XXXX, XXXX XXXX. The response with a letter on XXXX XXXX, XXXX stating that the account in question was verified by creditor but did not provide no documentation or evidence. 
XXXX. I called them on XXXX occasions XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX to delete this account from my credit report and all times were denied. My next step is to start litigation against XXXX, XXXX and Experian.
Product: Student loan

THIS is the XXXX time I have requested help from the CFPB about this issue. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell phone # XXXX Subject : Urgent Request for Resolution of Delayed Student Loan Refund Under VA XXXX Forgiveness To Whom it May Concern : I am writing to formally request your assistance in securing the refund of my student loan payments made after the effective date of my 100 % VA XXXX determination. On XX/XX/year>, I was awarded a 100 % VA XXXX rating. According to federal law, all federal student loans should have been forgiven with an effective date matching my XXXX award, and any payments made after this date are eligible for a refund. 
After XX/XX/year>, XXXX payments totaling {$3200.00} were made to Mohela for my student loans. Although my student loans have since been discharged, I have not received the refund owed for those payments. I have made XXXX attempts to resolve this issue directly with Mohela, the servicer handling my loans, via email. Mohela consistently directed me to the U.S. Department of Education, indicating that only the Department of Education has the authority to issue refunds. However, after waiting for over 90 days following an inquiry submission to the Department of Education, I received a brief email response stating that Mohela, not the Department, was responsible for issuing refunds. I have attempted to resolved this matter directly with the Department of Education but customer service states they will submit an inquiry but have no idea what the issue is. 

This lack of accountability is deeply concerning, particularly given that it has now been XXXX months since my effective date of eligibility. I respectfully request your support in urging both Mohela and the Department of Education to issue my refund without further delay. It is neither reasonable nor fair that a simple refund process has become an unresolved burden due to inadequate communication and lack of follow-through by these agencies. 
I would like the refund of {$3200.00} to be issued directly to me by check, sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust in your offices ability to advocate on behalf of veterans like myself who deserve timely adherence to legally guaranteed benefits. I look forward to your assistance in holding these agencies accountable and securing the refund I am owed. 
Respectfully, XXXX XXXX