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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have no received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. Section 611 ( a ), its is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the EquiFax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent accounts that appear on my credit report. I believe these accounts were created as a result of the Equifax data breach and have included all relevant details and supporting documentation for your review. 

The fraudulent accounts are as follows : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Total Fraudulent Amount : {$970.00} Type of Fraud : Credit Card Opened by the Thief XXXX XXXX XXXX 

Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Total Fraudulent Amount : {$410.00} Type of Fraud : Credit Card Opened by the Thief As mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax block this fraudulent information from my credit report. Attached, you will find the necessary documentation to support my claim, including : A copy of my government-issued ID A copy of a signed FTC Identity Theft Report ( or police report if applicable ) Please confirm in writing once these accounts have been blocked from my credit file. I expect a response within 30 days, as required by law.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by the fraudulent platform XXXX which involved me making deposits for a total amount of XXXX USD from my PNC account to fraudulent investment firm. This entire situation happened right under PNC 's nose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on  another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint against Discover for what I believe to be repeated violations of the Consumer Financial Protection Bureau 's ( CFPB ) late fee regulations, which were updated and implemented on XX/XX/year>. 

Since XX/XX/year>, I have been charged late fees by Discover that exceed the legally allowable amount under the current guidelines. Specifically : XX/XX/year> : {$30.00} late fee XX/XX/year> : {$41.00} late fee XX/XX/year> : {$41.00} late fee XX/XX/year> : {$41.00} late fee Based on my understanding of the CFPBs updated rules, late fees are capped at {$8.00} unless the issuer can provide reasonable justification that higher fees are necessary to cover collection costs. Discover has failed to provide any such justification. 

While I acknowledge that these charges resulted from late payments on my part, the excessive feesamounting to $ XXXX caused me significant financial distress. I earn just under {$2000.00} per month, and these unwarranted fees have set me back financially during a critical time in my life. Furthermore, the burden of having to monitor a large financial institution 's compliance with federal regulations has added unnecessary emotional stress. 

I have paid the fees in question, but I believe they were charged in clear violation of federal guidelines. I request the CFPB investigate this matter thoroughly and take appropriate action to ensure Discover is held accountable.
Product: Mortgage

We have two complaints about Huntington Mortgage.

1. ) At the time of application, we made it clear that we did not want to/have to pay PMI. We had plenty of funds available to assure a down payment of 20 % or greater. The loan funded JUST BELOW this threshold and weve now wasted over {$1200.00} this year on a product we SPECIFICALLY sought to avoid. 

2. ) We are currently trying to refinance into a 15 year from a 30 year mortgage with a different lender. Huntington says they are unable to provide a letter or any document stating that our mortgage is not in deferral. In essence, our lender is holding us hostage in a bad loan.
Product: Credit reporting or other personal consumer reports

I have sent certified letter to XXXX, XXXX, and Transunion to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX /opened XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX. Inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A  ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Product: Credit reporting or other personal consumer reports

This account Is unauthorized and It does not belong to me. please delete this account as It Is identity theft. I have reported this to the police department and to the FTC. I now am reporting to the CFPB.
Product: Money transfer, virtual currency, or money service

I received money from purchases people made to my PayPal account for freelance development services I offer and due to an increase in sales PayPal has permanently limited my services and restricted me from accessing my money for 120+ days. 

XX/XX/year> : Account needed more information XX/XX/year> : Provided more information for account XX/XX/year> : Permanent restriction was given XX/XX/year> : Called PayPal to inquire about appeal and information regarding restriction and were told it was impossible to undo At this time there was {$420.00} in the account permanently restricted and unable to touch the funds until they were all confirmed XX/XX/year> : Limited funds were made available to the account balance still unable to be withdrawn XX/XX/year> : Received new email saying that all features were deactivated ( all features have been deactivated since XX/XX/year> ) XX/XX/year> : Called PayPal under threat of legal assistance to have my account closed and my funds withdrawn and transferred to a new appeal process where they stated due to my previous appeal being denied my current one most likely will as well, instructed to wait an additional 5 business days for a response but no real action has been taken nor have they made any attempt at fixing it. 

I have {$420.00} locked in an account for my freelance development work that I need in order to pay bills but I have been given an arbitrary wait time to receive my funds and they are being unjustly locked behind a system built to confuse and anger you so that you wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regards to the incorrect items reported on my credit report. It has been well over 30 days with no investigative results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts listed below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Here is the list of the accounts that has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX : US BANKRUPTCY COURTXXXX  Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

So I received a notification that someone tried to send an application for a credit card on an XXXX XXXX, XXXX XXXX XXXX Credit Card and I told them that there was fraudulent use of my SSN. This happened on XX/XX/2023 and I only received the date it was submitted but nothing else such as location and time. Currently someone checked my credit report through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX PL # XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently Checking My Credit Report I Noticed That I've Been a Victim Of Identity Theft and XXXX XXXX XXXX XXXX I Have No Knowledge Of Here Are The Inquiries That I've Found : XXXX XXXX XXXX XXXX XX/XX/year> Please RemoveThese Fraudulent Inquiries From My Credit Report. I Also Attached My Identity Theft Report As Well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 
XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX OF XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX OF XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 2018
Product: Credit card

CapitalOne continues to report fraudulent charge accounts on my credit report. I've provided documentation to dispute the accounts but they continue to hold me responsible for these fraudulent accounts
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. This inaccuracy is highly injurious to my credit rating. 
* XXXXXXXX XXXX XXXX XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting
Product: Checking or savings account

Hello. I went to travel overseas from XX/XX/2019 to XX/XX/XXXX, the second week and I didn't have access to the internet for pretty much a month. In overdraft fees, Bank of America is charging me more than {$700.00}. 

I have paid and brought my accounts up to date, but Bank of America refuses to pay back part of the fees that were charged to me. If the fees wouldn't have been charged to my account, the account wouldn't have been overdrawn in the first place. 

I am doing a master course and my only source of income is my student loans. I have to invest more than 40 % of it for this semester for concept of housing and food just to pay all these fees. I am afraid that if not action is taken by the bank in refunding the fees, I would not have enough money to make it throughout this period.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infromation : Any adverse items of infromation, 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 reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$32.00} DP OF EDUC XXXX Balance : {$8000.00} DP OF EDUC XXXX Balance : {$6300.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I got issued paycard from my employer and and was not able to actually is able to access my phones to funds Because my social security number was entered and wrong I have submitted several documents including social social ID personal care to try to get over the past few weeks with with no help or resolution resolution from the situation Their company for a pay card was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries are reporting on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I am filing this complaint because TransUnion Credit Bureau has ignored my request to provide me with the document that their company has on file that was used to verify the account I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA* they are required to " promptly delete all information which can not be verified '' that I have disputed. Thank you for your prompt attention to this matter.
Product: Mortgage

Ocwen Loan Servicing , LLC has not accounted for {$48000.00} in loan payments I sent in from XXXX XXXX thru XXXX XXXX. My account need to be adjusted to reflect a {$48000.00} principal reduction The Security and Exchange Commission is aware of the Defective Mortgage loan that 's a part of XXXX XXXX XXXX XXXX XXXX XXXX is a violation
Product: Credit reporting or other personal consumer reports

My information was included in a data breach in XXXX XXXX XXXXXXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$250.00}, world finance {$680.00}, XXXX XXXX {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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: Mortgage

I 've never been a day late nor a dollar short on any payment. I got a loan modification without missing ANY payments. Approximately 3 years ago, Wells Fargo reported that I missed XXXX payments. I disputed that via this website and was shocked to receive a call from Wells Fargo apologizing for the error and promising to remove the false derogatory from my credit. They did, but a while later they put it BACK on. I disputed it again, and again they removed it. Now I am refinancing, and they are reporting that I missed XXXX payment 40 months ago. LIES! How do I stop these miscreants from persecuting me this way? I am in mid-refinance, and this derogatory has already cost me {$3000.00} - it may cost me my loan lock at 3.625 % as well.