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 {$32000.00}, {$5400.00}.

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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have reached out to this company several times about a charge card that does not belong to me. They have been reporting a negative account on my report and I need them to remove it. I have requested documents of this said agreement and never received anything. They are reporting one amount on my credit report, but they sent me a 1099-C which is them acknowledging that this said debt has been canceled and or forgiven for a lesser amount. They are reporting one thing, but are claiming another and that is not permitted. I sent notice to opt out of them sharing my personal information until this account can get addressed, and they failed to do that too. And, if the company has been paid then they should not be reporting anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email alert from my XXXX XXXX account showing a credit inquiry that I did not do or authorize. It showed the institute name which came up as FEB/DESTINY and the phone number XXXX which appears to be an inactive line since I tried calling it. It took me some time and research but I found out the company name was Destiny Card and their actual phone number is XXXX. Could not reach a rep when I tried calling since they were closed. I also called XXXX directly and they say the credit inquiry does not show on their end which still worries me. I don't want my identity stolen.
Product: Money transfer, virtual currency, or money service

I am trying to use a financial app called XXXX, and my bank, PNC, will not allow me to connect my account to the financial management institution/app, XXXX. Please urge PNC bank to reconsider allowing this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!
Product: Credit card

When I tried to change the due date on my account I was told there would be a response via USPS mail.
Product: Debt collection

I would like to note that reaging of the account as occurred. That it has switch collection agencies multiple times. I have documentation from XXXX stating that it was so sent to collections in error, yet this debt keeps being resold and I would like it permanently removed from all credit bureau reporting.
Product: Credit card

I tried to pay my bill with Chase online and then on the phone. And they informed me that they only accept payment from a checking account routing number. I have not used checks in over 3 years and pay all my bills online with XXXX or by debit card. When I told them that they just kept repeating that they required a routing number. I 'm going back in time just to please their antiquated payment method. They must be the only company out there that does n't accept XXXX or debit cards. Can they do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the consumer.
Product: Mortgage

On XX/XX/XXXX I was approved for a HELOC on our current property. Upon title review, we were informed by our credit union, XXXX XXXX XXXX XXXX, that there was a 2nd trust deed recorded for {$85000.00} HAMP Loan through our service provider, Bank of America on XX/XX/XXXX. My husband and I were NOT aware of this second lien. We were having difficulties back in XXXX paying our mortgage and applied for a modification. We were past due about {$42000.00}. We completed 3 trial payments successfully, then was approved for a modification through Bank of America on XX/XX/XXXX. We DID NOT agree to a lien on our house for {$85000.00} NOR was that amount revealed to us by the bank or on the documents we received. THE SECOND LIEN THEY PUT ON OUR HOME IS DOUBLE THE AMOUNT WE WERE PAST DUE! Due to this 2nd lien, we are unable to access out home equity to pay off emergency bills that we have, we are not able to refinance our mortgage. Bank of America mislead us as homeowners in believing that we were adding the past due amount to the back end of the mortgage. There was NO documentation provided to us or explained to us by the lender informing us of this HUGE lien that we would have NEVER agreed to. We did NOT sign agreeing to this {$85000.00}. We only owed half of that amount. Bank of America fraudulently had us modified our own under those terms. Also, on XX/XX/XXXX, we modified our home again, and no where is this big balloon amount included in the modification. There has to be something done about this fraudulent lien that Bank of American orchestrated through the HAMP program. This second lien should be dismissed and Bank of America needs to be held accountable for this misleading actions that has caused us great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle ( Block, Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle 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 thye 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 appropiate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with COMMONWEALTH FINANCIAL. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice on my credit report on XXXX pertaining to an unpaid loan in which I have never heard of. The agent did not identify themselves and did not validate the debt. The agent told me that I obtained a loan in XXXX or XXXX and never paid the loan. I have never heard of the loan and I have never received any notice of this alleged loan in over 6 years before it was placed on my credit. The agent told me to give him money for the loan and they would remove from my credit. He was not able to validate my address as I have lived in the same area for more than five years. He told me would send me a fraud confirmation letter would be sent to me to complete and send back to the agent. He then disconnected the call.
Product: Mortgage

Upon my divorce I refinanced my mortgage through Wells Fargo. The payments continued to rise. I recently spoke with a HUD representative who upon review of my documents says it appeared by loan has not been modified under the gov. program. Its was supposed to be an FHA loan. In looking I see that there are many of unsatisfied and even a lawsuit against Wells Fargo for how they processed loans to home owners and not following regulations.
Product: Mortgage

On Saturday XX/XX/year>, I received an email from US Bank stating that an escrow refund of {$500.00} was due to me. It further stated that I had 5 days to decide how I wanted payment, by either direct deposit or mailed check. I choose the Deposit to my Account option immediately, by providing my institution routing number and account number. I tried my XXXX XXXX Checking Account first. Although the fields populated and my Banking information automatically showed up, I got a msg stating account could not be verified. I than tried with another account, My XXXX XXXX XXXX Checking Account, and the same msg came up. 

I called USBank and the representative said US Bank could not verify some institutions. I cant believe those two banking institutions, both serving hundreds of XXXX of military members can not be verified. 


It looks like an unethical banking practice to stall escrow overage direct deposit payouts. The representative was quick to point out that if I missed the 5 day timeline, Id automatically receive a check. As I type this, I have two days left. 

This is the 21st century and we operate in a paperless environment. Mail theft is real and I think this bank is being disingenuous with this practice. 

I went to the website to file a complaint to US Bank XXXX using the US Bank XXXX XXXX. It was like searching for a needle in a haystack. I wanted my concern in writing but found no option to file a written complaint directly to US Bank leadership. 

What I dont understand is the same bank account that US Bank debits my account each month for my mortgage payment, is the same bank account that I requested that my escrow refund be deposited into. This is the worse customer service practice that Ive experienced from a mortgage service bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my XXXX Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the BK was filed. The account had already been closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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

15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN XXXX XXXX anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This was my deceased spouse 's card that opened before our marriage. To my knowledge, I did not sign to be on two cards. I received statements after he passed in his name. Recently, I received statements with my spouse 's name removed and only my name on the statement. My credit report did not show this card on it until recently, when tge name change was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from Equifax a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from Equifax a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called Equifax to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with XXXX - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from XXXX with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.
Product: Mortgage

Here is your revised text with minor grammatical adjustments : -- - My name is XXXX XXXX. I refinanced my primary residence on XX/XX/year>, and I have already paid my first installment on XX/XX/year>. 

However, the new loan information still doesnt appear on all three credit reports ( XXXX, XXXX XXXX XXXX XXXX. 

My mortgage servicer is Shellpoint Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX andXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration with the handling of my request to remove fraudulent items from my account. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise serious concerns about the security and integrity of my account. 
However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL 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