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

To Whom It XXXX Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADDRESSES DO NOT BELONG TO ME, PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 




XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY
Product: Debt collection

Was leasing with a private owner, Owner sold the property to a company in the middle of my lease when the lease was over the company wanted me to sign a new lease and raise rent I refused and moved out and they filed to my credit because I didn't give them XXXX days notices nor did they inform me a head time in the increase of the rent to the lease renewal I have requested them to show me where I made an agreement with this company that's on my credit report claiming I owe them money. I sent out a letter for request and have contacted the office XXXX for documents but no response.
Product: Debt collection

They called my place of employment on Friday, XX/XX/year> and I told them we are not allowed to receive any type of personal calls here. They called again on XX/XX/year>. I told them DO NOT call my place of employment again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following account be blocked and deleted from my credit report due to fraudulent activity related to a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this account removed from my credit file. 
Account : XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/scrub>XXXX, Amount :
Product: Checking or savings account

I have an account with the online banking company Current. They offer pay advances. I normally take advantage of it because I need it. They have been shorting me of my advance for the last few pay checks I've had. Which has left me in a bind. This last incident is I get assistance for daycare and its not my payroll. The system supposedly detected it as payroll. It has never detected it as payroll until today XX/XX/year>. I've been getting this same deposit for months, maybe almost a year.
Product: Debt collection

Sallie Mae keeps calling me about a debt owed by XXXX XXXX. I have called them on several occasions and asked them to remove my number and they keep calling me. 
I called them on the following dates to ask them to remove my number : XXXX XXXX XXXX XXXX XXXX XXXX There were some other times before XXXX. 
I need them to stop calling me.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to express my extreme frustration and disappointment with CarMax XXXX XXXX regarding the handling of my vehicle and personal belongings. When my car was stolen, I informed CarMax of its location and expected your assistance in recovering it, as was promised. Instead, CarMax repossessed the vehicle, and I lost not only the car but also my valuable personal possessions inside, including several XXXX XXXX, a XXXX XXXX, and important computer equipment. 

I made multiple attempts to communicate with CarMax to resolve this situation, as I was willing to pay off my loan. Additionally, I am still in negotiations with XXXX XXXX regarding my claim for the stolen vehicle. CarMaxs refusal to help me retrieve my belongings or cooperate in resolving this matter has been deeply troubling. 

The actions taken by CarMax have resulted in the loss of my vehicle and irreplaceable personal items, and your unwillingness to even discuss a solution is unacceptable. I urge you to take responsibility and address this matter immediately, including compensating me for the losses incurred and assisting with my ongoing negotiations with XXXX XXXX. 

Please respond to this letter with an explanation of CarMax 's actions and the steps that will be taken to resolve this matter fairly. I expect a prompt response, as I will not accept any further delays or disregard for my rights as a customer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a complaint dispute for a fraudulent charge on my OLLO credit card with OLLO. The charge was from XXXX for {$31.00} and I did not make this charge. The OLLO card had not been used for any purchases since XX/XX/XXXX and had a balance of {$0.00}. 

I was told by a representative that they would report the fraud charge to their security department, and it would be resolved in about 2 weeks. After two weeks it was not fixed and was transferred to another department for dispute resolution, then transfered back to fraud, back to dispute resolution, back to fraud, and finally to security. By XXXX, the claim had been bounced around unresolved for two months. I began receiving emails from OLLO telling me that they were applying late fees on my card, interest, and that they were reporting to my credit late payments. By this point, I had contacted OLLO by phone over 18 times and had spent almost 15 hours total on the phone with different reps. I was assured that this was being taken care of, that non this would not be reported to my credit as it was not my charge, the late fees would be taken care of, and not to worry. On XX/XX/XXXX, during my XXXX phone call to OLLO I was told the fraud charge was finally being reversed along with the late fees and interest charges. However, this did not take place and on XX/XX/XXXX I discovered OLLO had reported this to my credit, had only reversed ONE fee & the fraudulent charge. 
I have asked for my calls to be reviewed, escalated, called over 28 times, spoken with countless employees and am not being helped. On XX/XX/XXXX, I spoke with a banking manager at ALLY who owns OLLO 's banking and was told I had to pay the late fees on the charge I never made and had been disputing since XX/XX/XXXX. I was also told by the same manager that they can report it to my credit for non-payment even though the fees were illegally applied to a fraudulent charge that had been deemed fraudulent. 

This is in direct violation of the fair credit act. A company is not allowed to report a late payment, charge fees, or charge interest on a charge that is in dispute or deemed fraudulent. I have tried to work with OLLO for almost three months and the situation is becoming worse and now they are illegally charging me fees and illegally hindering my credit report. I am NOW in grave fear this company is intentionally hindering my credit as I have made every effort to resolve this issue. I fear I am being bullied into paying fees I did not cause as this company will illegally report things on my credit report. 

I have attached screen shots showing the illegal fees being charged on a fraud charge. The letter showing the fraud charge being looked into & removed. I have also attached where it shows OLLO reported this to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft I noticed and incorrect Accounts on my credit
Product: Debt collection

The most recent credit report reveals several unauthorized accounts that appear to be incorrect. Immediate action is requested to block and delete these fraudulent accounts from the report.
Product: Debt collection

On complaint # XXXX which was filed with The Consumer Financial Bureau about North American Credit Services the collection agency agreed to remove from all 3 credit file, all account with their agency while they rebilled to XXXX XXXX. The accounts that were placed with XXXX credit were removed. However the same account were also placed on my XXXX credit and were not removed a total of 13 more accounts. Can you please request the removal of the additional 13 account that were placed on my XXXX credit file. Thank you
Product: Checking or savings account

I deposited a check for {$5100.00} into my checking account on wed XX/XX/2021. My bank put a hold on the funds from wed XX/XX/2021 until XX/XX/2021. The bank is fifth third bank the check was from XXXX bank. I talked to a branch manager at fifth third bank to try and get hold taken off. The person that issued the check to me explained that the funds were taken out of there account and the bank told them the hold is on fifth third. The branch manger at the XXXX indiana branch said the check was not verified. So they said they could fix it by speaking to the bank that issued the check that the funds were released. I was then told that they still could not take the hold off even though the funds were made available to fifth third. I am being targeted because i have had over drafts on the account. The only reason for over drafts was because fifth third keeps putting hold on the account. This is the only money i have in the world. I have kids and im in desperate need of the funds for fear im going to be kicked out in the middle of winter from my home. I explained thos to the bank and they said there is nothing they can do even though the funds were released to fifth third already. Im begging anyone to help me form being bullied because i have financial problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from TransUnion, XXXX  and XXXX  of one of the accounts being verified with no verification proof. The XXXX XXXX account was updated as " not specified '' by TransUnion. I reached out to the listed creditor only one replied ( XXXX XXXX XXXX ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to TransUnion, XXXX XXXX   and all creditors and haven't received verification based off the FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX XXXX XXXX XXXX  CARD XX/XX/2020
Product: Credit reporting or other personal consumer reports

The credit Bureaus has allowed fraud on my consumer report and violated my rights under the ( FCRA ) 15 U.S.C 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORT. I HAVE NOT GAVE ANY OF THESE CREDITORS PERMISSION TO ACCESS MY CREDIT REPORT. UNDER THE ( FCRA ) 15 U.S.C CODE 1681C-2 ( A ) BLOCK. I REQUEST MANDTORY ACTIONS FROM THE CREDITORS AND CREDIT BUREAUS TO BLOCK AND REMOVE THIS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 15 U.S.C 1681N CIVIL LIABILITY FOR WILLNESS TO NON COMPLIANCE GIVES MY ATTORNEY THE RIGHT TO SUE FOR DAMAGES AND ALSO MY INFORMATION BEING EXPOSED ON THE DATA BREACH. 

3. REINSTATING LAW 4. UNDER SECTION 611 A5B THE FAIR CREDIT REPORTING ACT STATES ONCE A ACCOUNT IS REMOVED IT CAN NOT BE ADDED BACK TO A CONSUMER REPORT!

5. THE ( FCRA ) STATES IN 15 U.S.C CODE 1681C-2 ( A ) BLOCK : CREDIT REPORTING AGENCIES HAS 4 BUSSINESS DAYS OR LESS TO REMOVE FRAUD FROMA CONSUMER REPORT ONCE THE CONSUMER HAS PROVIDED PROOF OF IDENTITY THEFT! IF THESE LAWS ARE BROKEN THAT THE ( FCRA ) HAS SET IN PLACE. I WITHIN MY RIGHTS TO SUE UNDER 15 U.S.C CODE 1681N! THANKS FOR YOUR UNDERSTANDING
Product: Mortgage

Mr. Cooper holds my mortgage. They were subject to a cyber attack and I have not had any communication from them about the status of my mortgage nor the safety of my personal data and information. I need the CFPB to put pressure on Mr. Cooper to explain the security of my data and the status of my mortgage and when I can expect them to withdraw my next payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute regarding the removal of old addresses and employers from my XXXX XXXX Equifax credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses & employers, even though I have requested their removal multiple times. These addresses and employments are no longer associated with me and have not been for some time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employement - XXXX, XXXX XXXX XXXX & USPS I believe that XXXX & Equifax has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that XXXX XXXX Equifax immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that XXXX & Equifax provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I have had fedloans since XXXX I am now with XXXX since XX/XX/XXXX fedloans has removed some of there loans off my credit I have been fighting with them to remove the rest off of my credit and they are not removing it I did send in proof through XXXX and they keep denying it this is be owing really ridiculous and frustrating because XXXX will be putting my loans on my credit soon and I do not want two different student loans on my account because all of my loans are now with XXXX
Product: Debt collection

I am writing to dispute several accounts on my credit report that are the result of identity theft. I did not open or authorize these accounts, and I have reason to believe that they were opened fraudulently. I have attached copies of my ID, FTC report, and any other supporting documents that can aid in resolving this issue. The accounts in question are : XXXX XXXX XXXXXXXX. I have contacted the creditors and provided them with the necessary information to investigate the fraudulent activity. I have also filed a police report and have requested a copy for your records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

An account was created with wise on XXXX. The account was deactivated by them due to my age on XXXX. There had been the request of a transfer of money from my account at XXXX XXXX to the account on wise. After the account was deactivated I no longer can access it to cancel it. Today, XXXX {$93.00} were removed from my account even though the account was deactivated XXXX. I have no way to contact them nor to request the money back through the app since I cant log in to request help due to the account being deactivated
Product: Credit card or prepaid card

I am very upset with the service received regarding my credit card account, I created a balance transfer and entered the incorrect amount to be paid which caused an overpayment to my card. I contacted you institution on XX/XX/XXXX advising of the overpayment at which time the representative stated the overpayment would be returned in 7-10 days which I was fine with. On XX/XX/XXXX I noticed that my account was now OverLimit due to the payment being reversed because your Accounting Department considered it Fraud even though the transfer was submitted by XXXX Bank on my behalf. I contacted XXXX Bank today XX/XX/XXXX and they do not have the funds. 
FNBO received good funds for payment on XX/XX/XXXX on XX/XX/XXXX the funds was reversed and sent back to my balance transfer company which they have not received. I had three conversations with FNBO on XXXX, XXXX, XX/XX/XXXX and at no time did any of the representatives state there was an issue on XX/XX/XXXX the funds were reversed and the representative stated that they were returned because they thought it was Fraud, at no time did FNBO e-mail me call send a secure message regarding the overpayment they just returned the funds causing my account to be OVERLIMIT. I now am paying interest on a Balance Transfer and having to pay interest on a card that was to be paid off. FNBO stated you can just send the money back whenever you receive it. This is totally unacceptable Desired outcome : Reverse any and all overpayment fees and interest on outstanding balance as of XX/XX/XXXX when they received funds also refund any and all fees from the balance transfer that was not accepted by your institution. 

I have also noted below the information from my account showing the payment, the Secure Messages and the reversal of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Change of Address Letter TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive requested XXXX, XXXX and Equifax to remove all none mailable addresses from my credit report I live in Ohio I can not receive mail from all these other states thats being named. They said they were taking them off then update them and left them on my report. so if these companies mailing letters to a address Im not associated with this mail contains my personal information in them which somebody can steal my identity for there actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Product: Mortgage

We closed on our mortgage with XXXXXXXX XXXX  XXXX XXXX, and immediately we started receiving dozens of notices each week trying to trick us into completing a credit life product application. The notices come in red or pink to make it look as if we have missed something with our loan and are marked " Urgent! ", but this all began before the first payment was even to begin. We contacted the mortgage customer service department, even speaking with a supervisor who tried making excuses about the products being sent to us. We took ourselves opted out of prescreening long ago so we no longer receive these type of offers, and eventually the supervisor admitted it was Stifel who provided our information to third parties to solicit credit life products. She then assured us that we would no longer receive the offers as she would remove us from the list, but several weeks later we are still receiving dozens of offers every week. Our loan isn't even with Stifel anymore ( transferred before the first payment was even due ), and we are still receiving dozens of offers every week regarding our Stifel loan ( which we don't even have anymore ). This is absolutely not anything we ever signed up for ; just because we closed on a home does not mean we want the details of our mortgage shared with third parties. And the way the solicitations come is probably barely legal as it's difficult to identify the purpose of the " urgent notice ''.
Product: Debt collection

I received a phone call the other day and I was informed of a credit card that I had no aware of. They said they were a law firm and if I did not pay the debt by Friday ( XXXX XXXX ), they threatened to take me to court. I am not responsible for this debt and would like something done about it.