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

I have previously requested from all three credit bureaus : TRANSUNION, XXXX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX/XXXX/XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth, and Social Security Number ( please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
Product: Mortgage

- company has changed the amount on my XXXX  has increased my annual premium ( which is not the original amount I signed at closing ) - On the XXXX XXXX tax form - there is an amount of - {$12000.00} of applied principal in which they are not able to provide any information about. 
- on the XXXX XXXX tax form for XXXX  year- the loan company has entered the incorrect interest payment - they also sent me XXXX different XXXX tax form for XXXX - Company has increased my loan amount from {$290000.00} to over {$310000.00} ( without any explanation ) - Loan at closing consisted of Down Payment Assistance/Deferred Balance of {$14000.00} for the XXXX XXXX XXXX XXXX I have requested for the company to redo an escrow analysis as they have the incorrect amount of Homeowner 's insurance and are charging me more than they are supposed to- I have fully paid for my XXXX Homeowner 's insurance policy, which should not be calculated into the escrow monthly payment - once again asked them to do an escrow analysis redo to revaluate the escrow amount without the homeowner 's insurance as it is fully paid off for XXXX. 
- My home is over the XXXX XXXX to qualify removal of the PMI from the FHA loan. My home is worth double the price of the actual loan mortgage of {$290000.00} - the company refused to remove the XXXX  and they refuse to do a reassess of the home value to show an increase home value of at least XXXX XXXX. 
- The company is not being transparent, has increased my loan, and has now increased my monthly mortgage over $ XXXX due to the increase in their escrow analysis. 
- I would like an investigation to occur and XXXX  XXXX to be notified
Product: Prepaid card

I was given an American Express gift card for XXXX. I have been able to use it, check the funds of it, yet I wasnt able to use it on apps like XXXX or XXXX, and other people have complained about this too. I was only able to use it on XXXX, a digital marketplace, but no other has seemed to take it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this claim myself, and no third party is involved. I, XXXX XXXX, natural person, and creditor to an open ended credit plan, was denied my right of credit by Huntington. I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by Huntington XXXX XX/XX/2022. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Huntington 's adverse action taken against me. Huntington admitted to using a " credit scoring system that assigns a numerical value on information in '' my " credit report ''. Huntington admitted XXXX " the credit reporting agency advised '' them to share my private info via my credit consumer report. According to 15 USC 1602 ( p ) XXXX never had my permission to allow Huntington to view my non public private info ; in result I received no benefit from this credit transaction. Huntington 's adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to XXXX. XXXX XXXX XXXX is now civilly liable to pay me for the damages.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I came and cashed my income tax check and they took it because they said I came in XX/XX/XXXX and cashed a fraudulent check in my name and it wasnt me I am still trying to get my money back that they have yet to do and I was wondering how can I get it back. I have a copy of the back of the check which someone signed and its not my handwriting I have the check number of the company I never worked for
Product: Bank account or service

Received letter from Wells Fargo Card services dated XX/XX/2017 stating Subject : Your balance transfer request in amount of {$1500.00} has been processed and transferred to your designated deposit account.I received this letter on XX/XX/2017.I received a phone call from Wells fargo representative on XX/XX/2017 asking me if I was familiar with a credit card ending in XXXX.I answered No.Rep.Do you have any credit cards ending in XXXX.I checked my cards but none of them had that number I said.Why do you ask? Well, it appears that someone deposited {$1500.00} into your checking account.and we are trying to find out who the card belongs to! It is possible that it could have been hacked from outside the country.I said if you have the last four numbers then you must have the other 12 numbers & the security number on the back in order for the transaction to be successful.right? yes but we are contineuing our investigation of the matter.OK, let me know what you find out but I never heard of someone depositing money into an account, its usually the other way around.what should we do in regards to this credit card ending in XXXX? Rep : I would suggest you close that account.OK can you do that or should I call someone else to handle that? No, I can close that account for you and order a replacement card also for you.OK, we better do that then.Rep : will it be inconvenient while you wait for a new card which should arrive within 7 to 10 days? I said no problem at all.Will This closing effect my credit rating? No not at all.Then I understand that you did not make a balance transfer? I answered no and if I wanted to it would be with one of your balance transfer checks that always are in your billings, ect.in person at your bank.Do you have a balance transfer check from me that I signed & deposited with your bank? No, we do not have any paperwork at all.Now, two weeks later on XX/XX/2017 I receive credit card bill for {$1500.00} in mail but not with card XXXX but rather the new card No : ending inXXXX.even though the bank Rep : indicates an incident took place illegally causing the closing & opening of a new card for number forthat reason.The billing also indicates in purchases section '' Ballance transfer with card numbersXXXX including all 16 numbers dated XX/XX/2017 for XXXXwhich was a previous payment made onXX/XX/2017. & then added to the {$1500.00} billing.If you would ask For copy of resolution letter sent to me from Wells Fargo Card services dated XX/XX/2017 from their credit card fraud claims dept.you will see why I am requesting your assistance in this matter.Thank you kindly in advance.My phone No:XXXX if you need more information.My credit rating is great and I am worried this could cause me a negative rating as I am almost XXXX.Never experienced anything like this with any bank or credit card Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX tansunion, XXXX, has violated my right. 

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 a account without my written instruction.

Verification Violation
Product: Checking or savings account

XXXX XXXX XXXX The transactions were cancelled the same day and no travel or service was provided by the airline. It was just a reservation! 

According to the U.S. Department of Transportation ( DOT ), airlines are now required to automatically issue full cash refunds to passengers when a flight is canceled or significantly changed, meaning passengers do not need to explicitly request a refund and must receive the money back in the original form of payment, with no substitutions for vouchers or travel credits unless they choose to accept them ; these refunds must be issued promptly, within 7 business days for credit card purchases and 20 calendar days for other payment methods. 

I am demanding the full amount of {$110.00} and {$80.00} refunded back to my account. 

Regards, XXXX XXXX, XXXX XXXXXXXX, XXXX. 
( XXXX ) XXXX This e-mail, including attachments, may include confidential information and may be used only by the person or entity to which it is addressed. If the reader of this e-mail is not the intended recipient or his or her authorized agent, the reader is hereby notified that any dissemination, distribution or copying of this e-mail is prohibited. If you have received this e-mail in error, please notify the sender by replying to this message and delete this e-mail immediately ( and any attachments ).
Product: Credit reporting, credit repair services, 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. 


Personal information : Wrong name Variations XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. The only correct name is XXXX XXXX XXXX. 
Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX, ( XXXX ) XXXX. Other wrong personal information are addresses ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX. My only correct address is XXXX XXXX  XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX  XXXX XXXX XXXX XXXX ( {$550.00} ), XXXX XXXX  XXXX XXXX XXXX ( {$2800.00} ), XXXX  XXXX # XXXX ( {$260.00} ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( {$1300.00} ), XXXX XXXX XXXX- XXXX XXXX ( {$750.00} ), XXXX XXXX XXXX  # XXXX XXXX {$820.00} ), XXXX- # XXXX ( {$2700.00} ), XXXX # XXXX ( {$12000.00} ), XXXX XXXX # XXXX XXXX {$600.00} ), XXXX XXXX # XXXX XXXX {$460.00} ), XXXX  XXXX XXXX  # XXXX XXXX {$720.00} XXXX, XXXX & XXXX # XXXX ( {$700.00} XXXX XXXX XXXX XXXX # XXXX ( {$5900.00} ), XXXX XXXX # XXXX ( {$2700.00} ), XXXX XXXX # XXXX ( {$1700.00} XXXX, XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX # XXXX ( {$140.00} ), XXXX XXXX # XXXX ( {$5600.00} ), XXXX XXXX # XXXX ( {$780.00} ), XXXX XXXX XXXX # XXXX ( {$2800.00} ), XXXX # XXXX, XXXX # XXXX ( {$820.00} ), XXXX XXXX # XXXX ( {$1700.00} XXXX XXXX XXXX XXXX  # XXXX ( {$8000.00} ), XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX XXXX ( {$2400.00} ), XXXX XXXX XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$600.00} ), XXXX XXXX XXXX # XXXX ( {$120.00} ), XXXX # XXXX ( {$370.00} ), XXXX # XXXX ( {$970.00} ), XXXX # XXXX ( {$1700.00} ), XXXX # XXXX ( {$8000.00} XXXX, XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX ( {$600.00} ), XXXX # XXXX ( {$120.00} XXXX 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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Ive received my XXXX communication from Credence Resource Management LLC for an XXXX debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the hospital and ambulance company and found out the person they transported was at a XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up in an ambulance, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives in XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage as Im a State of California Finance Officer. I want this company to remove my miaden name and address from their files and stop trying to collect from me.
Product: Checking or savings account

I can't stop these unauthorized charges from coming out of my account at NFCU. I called NFCU twice today ; and the representative had me on hold for an hour, went silent and then ended the call. Called a second time, representative transferred me and call ended again. I asked NFCU to dispute the below fraudulent charges from company XXXX - this company tried to charge my other cards in the past as well and I had to dispute. 

XX/XX/2022 Pending XXXX Debit - XXXX  Check Card XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX  - {$0.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXX XXXX  CA XXXX - {$19.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXX XXXX  CA XXXX - {$9.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$4.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} -- The below from XXXX are unauthorized charges made by a minor- separate from the fraud charges from XXXX : XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXXXXXX XXXX XXXXXXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX  XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX  XXXX XXXX XXXX # CA XXXX - {$2.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX - {$19.00}
Product: Mortgage

I bought my home in XX/XX/XXXX. My loan was originally owned by XXXX XXXX, I believe. Then XXXX XXXX XXXX XXXX took over the servicing part, I think. Unfortunately, I went through a divorce and the loan/note is in default. XX/XX/XXXX, it was sold to XXXX, in which they sold to XXXX, then back to XXXX all within a few months times ; and now they 've sold it again to FCI Lender Services. I am so confused because I ca n't find any assignments or transfers in deed records XXXX. I want this info so that I can reach out to apply for a loan mod. I am a XXXX and am very familiar with mortgages, default reconciliation, deed records, but I am not an attorney. I know that these companies must file notice, but I 'm unable to find anything on these companies, other than the correspondence they 've sent me. I 'm afraid to call because I do n't want to be scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted 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 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 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 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 XXXXXX/XX/XXXX