23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Statement of Identity Theft : I, XXXX XXXX, declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXX XXXX XXXX  XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXX. XXXX  XXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX / XXXX, Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXXXXXX XXXX, XXXX on XX/XX/XXXX, {$1100.00} charge-off XXXXXXXX XXXX, Opened on XX/XX/XXXX, {$400.00} charge-off XXXX XXXX Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was trying to purchase football tickets from an online seller. After communication via text and phone conversation with the seller he suggested using XXXX, which was offered through both BB & T and XXXX XXXX XXXX. The seller suggested using this method because it was through both of our banks and it was secure. He said that it was registered through his bank and that if I did not get the tickets I could file a claim through the banks. None of this is true. XXXX is set up on the banking websites but they do not actually protect from consumers getting scammed. This is horrible business. Any services offered by a bank should come with some sort of consumer protection. If i were to use my credit card for these services it would be backed. this is a poor way for banks to set their customers up to be vulnerable to scams. remove the XXXX app and options until more protection like that offered by XXXX can be offered. requested a refund from both my bank and XXXX XXXX XXXX and neither offered any solutions at all. they expect their customers to just eat the cost of these scammers and offer no solutions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed desputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Credit card

ACCOUNT NUMBER : XXXX capital one was opened and placed on my reports without my consent, I want these accounts to be removed from me XXXX and XXXX Date Last Payment : XXXX  Inaccurate XXXX - XXXX Inaccurate XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX  XXXX {$620.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  XXXX  XXXX {$930.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Dispute XXXX XXXX Account # XXXX Dear XXXX, This letter constitutes a formal dispute of the alleged debt you claim I owe, as outlined in your communication dated XX/XX/XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I hereby dispute the validity of this debt in its entirety. I request that you cease all collection activity on this account immediately until you have provided me with the following : * Verification of the debt : This must include the following information : * The name of the original creditor to whom the debt is owed. 
* The amount of the debt, including any applicable interest, fees, and penalties. 
* A clear statement of the date ( s ) and amount ( s ) of the original transaction ( s ) that resulted in this debt.

* A copy of any supporting documentation, such as contracts, invoices, or judgments.

* Cessation of communication : As per 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this debt until you have provided me with the requested verification. This includes, but is not limited to, phone calls, letters, emails, and text messages.

I understand that my failure to dispute this debt within thirty ( 30 ) days of receiving your initial communication may be construed as an admission of liability. However, I reserve my right to dispute the debt at any time. 
I expect a prompt and written response to this letter within the timeframe required by law. I will consider further action, including legal recourse, if I do not receive the requested information or if you continue collection activity during the dispute period. 

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

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was issued by XXXX. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to XXXX  to update my credit report accordingly. The XXXX XXXX account still shows Derogatory on my credit reports and was paid over two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX TO XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

I received an email today XX/XX/2022 about my business account having a payment waiting, but a few minutes later I got another email stating that they needed verification for my identity. I logged in and gave them a copy of my license and my social I believe. I then am notified that my account has been permanently closed and that they will be holding any money in the account for 180 days. I tried to call them and the representative I spoke basically told me the same thing, and had no information regarding why this even happened in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, Experian & XXXX  to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks
Product: Debt collection

I XXXX XXXX am a member of the XXXX XXXX. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of Stoneleigh Recovery Associates claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a scam. There is no connection to ownership of the original credit card I had with XXXX XXXX. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. XXXX   XXXX is also part of the same scam. All of XXXX XXXX credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on XXXX XXXX pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!
Product: Credit card or prepaid card

Target closed my account for having two NSF payments on my account.My authorized user made these two payments from my account and said that he had sufficient funds in his account.

We are both unemployed due to COVID-19 and made the payment under the assumption that the unemployment check would be in the account on Monday but it was not there until Wednesday.

The transaction was remedied within two days and the account was paid in full.

Target closed the account after it was paid in full citing insufficient fees as the rationale behind the closure.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


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 XXXXXXXX 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 A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was in a chapter XXXX. Once my chapter was completed and about to be discharged the mortgage company sent me a notice of default. I contacted my bankruptcy attorney and they contacted the attorney office with documentation showing I had made all payments and everything thing was supposed to be put on hold while Shellpoint did their research. Well it has been two weeks and I received a certified notice XX/XX/XXXX of notice of default from Shellpoint Mortgage. During my bankruptcy I fell behind so on XXXX of XXXX we made a agreement for me repay XXXX with a Stipulation on motion for relief from stay. This document was filed in bankruptcy court. I paid all payments as agreed. I sent them proof of my payments and they are still saying I owe XXXX, XXXX. They have not provided me with how I owe this amount when I XXXX of XXXX I owed XXXX, XXXX which I paid and provided them proof of payment and now I am in default for the XXXX, XXXX. This makes no sense. Shellpoint has clearly made and error. When I first filed my bankruptcy I owed XXXX, XXXX which was paid in my bankruptcy by the trustee so I have no idea were this amount comes from. Also when I first filed bankruptcy my loan was with another a company called XXXX XXXX XXXX XXXX and sold to Shellpoint on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACH TO COMPLAINT NUMBER XXXX I am not satisfied and have attached additional documentation against WELLS FARGO CARD SERVICES WELLS FARGO CARD SERVICES continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX. The debt is over XXXX years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX  and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX  me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent account on my credit reports resulting from identity theft. This account was opened without my authorization or consent, and its reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Account Number : XXXX  ( XXXX, Equifax ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting this account without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that this account was created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure this account is removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address this violation promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Checking or savings account

On XX/XX/2020 {$11000.00} was paid to XXXX from my Truist ( formerly SunTrust ) savings account ( pmt XXXX XXXX POS XXXX. ) I have never had an account of any kind with XXXX and did not authorize anyone to act on my behalf. 

I reached out to Truist and they indicated I would need to reach out to XXXX since the request originated with them. I reached out to XXXX but they wouldn't talk to me because I don't have an account with them. I'm caught in the middle. I was back and forth with Truist for over a year with no resolution. 

I thought under Reg E there would be a provisional credit. That never happened and after XXXX  days without it being resolved the provision credit was never made permanent. 

I would like all parties to come together and talk and then I would like my money deposited back into my account. 

Case number with SunTrust : XXXX Acct number ending : XXXX This is written for my by my daughter, XXXX XXXX XXXX I can give more detail as needed. 

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

XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX, account number # XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that Equifax is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and XXXX XXXX reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.
Product: Debt collection

I saw on my credit report that I had a coll collection account upon calling the collection agency sunrise collection. They said that I owe a bill of {$1200.00}. I called them and they said my last XXXX digits of my social and they said a debt is from XXXX XXXX XXXX XXXX  when I calXXXX XXXX XXXX XXXX XXXX they check my account and XXXX XXXX XXXX said that Ive never had a collection on that account upon checking the account number that the consumer collection company gave me it was a faulty. Email wasnt in my name and it has about XXXX numbers phone number is listed under my name which I only have XXXX numbers. I explained to the company it wasnt me, but they said that they had the last XXXX of my social XXXX XXXX XXXX said that XXXX not responsible for anything. I dont have any collection. Ive been a good customer for years. I dont know what else to do.
Product: Mortgage

XXXX called SHELLPOINT to get a payoff and ask if I can buy back house was told to contact lender XXXX XXXX they do questions gave me an email address so I called Newrez to get a payoff and apply for a NON-QM loan since I don't qualify for a FHA loan with the foreclosure they sent me back to SHELLPOINT who told me to contact foreclosure XXXX XXXX called left messages XXXX and XXXX no call back XXXX Gets a letter from XXXX XXXX co. I don't know who they were call them on XXXX and XX/XX/XXXX leave messages no call back on XX/XX/XXXX I get a eviction letter from XXXX law co. I'm pre approved for a loan don't know what amount plus ky has a program to help with down payment so the deceptive practices of telling a customer one thing and doing something else not giving me the time they told and now nobody wants to talk they even said keys for cash that wont work if we don't talk