23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have had my checking account with Regions Bank for quite some time now, maybe 6 months, and I have always done everything to safeguard my personal information and pin number from theft. I hid my pin number to my debit card in a pair of grey sweatpants in my closet, and my debit card in a safe in my living room. On or around XXXX/XXXX/2015, I noticed about XXXX or XXXX unauthorized transactions on my account, and reported this to Regions over the phone, which started the claim. A new card was sent to me, and the old one cancelled. I received the claim AFFIDAVIT in the mail about 7 days after that. In the AFFIDAVIT, I specifically stated that I believed that my ex-girlfriend and her brother might have taken my PIN number, more so her than him, because she lived with me, and although I NEVER told her where my PIN number and debit card were located, she WAS my girlfriend and it s conceivable that she could have searched throughout all pairs of my pants in my closet, found the pin number, and could have been watching me enter the code to my safe. This is all speculation though. I faxed the completed affidavit ack to Regions and the next day, I was told that Regions had received it, and that my claim should be finalized by XX/XX/XXXX no later than the close of business day, XXXX/XXXX/2015. On XXXX/XXXX/2015, I called the REGIONS CONSUMER PROTECTION department, which handles the fraud claims, and asked what time the funds stolen from me would show up in my account. I was told that my claim had been denied, and that I did NOT state in my AFFIDAVIT how the pin number and debit card had been stolen from me. This is all a lie of course, because I specifically stated in my AFFIDAVIT that my ex-girlfriend and her brother might have been the ones who stole this from me. I was told that the ONLY way to reassert my claim would be to provide a police report and/or provide clarification on how the pin number and debit and came up missing. I explained to the " specialist '' over the phone that I had no further information regarding this claim, and that under Regulation E of the Federal Reserve Board rules Regions was required to reimburse me, and that this is NOT contingent upon the filing of a police report, because the police are NOT responsible for reimbursing me, REGIONS is. The police job is to catch crooks and criminals. Despite all of this, even if I had attached a police report, which I did NOT, and am not, the outcome would still have to be the same : REGIONS MUST REIMBURSE me. She hung up the phone me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX **I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY XXXX, XXXX, AND EXPERIAN. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter.

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

Hi, I am facing a major issue with my credit report due to my father, brother and I having the same first and last name, previously my father has tried to apply for a car loan and it came up affecting my credit score. Today, XX/XX/2020 my younger brother tried to apply for a secured credit card and it did a hard inquiry of my credit report, please help, as I am trying to build my credit properly and these remarks keep pushing it down, I am afraid this might affect us more in the future. 
Please reach out to me I am in desperate need for help in this matter
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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: Debt collection

{$1700.00} XXXX XXXX the amount of {$1700.00} is being reported for a bill I have no knowledge of. I have been a victim of multiple breeches and in some cases, I was either in high school or at college when the info was used and placed on my account
Product: Debt collection

I have no knowledge of any medical accounts and I asked them to stopped calling my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HELOC with Iberia bank that was established in XXXX. At the time of this writing and the time that the issue I'm reporting occurred I've had a zero balance on this HELOC. In XXXX of XXXX I was contacted by an Iberia employee in reference to a past due annual fee for my HELOC account. I informed the employee that I did not receive any communications via email or letter mail regarding this annual fee and that the fee was late due to no fault of my own. The employee agreed with me and advised to just pay the fee as soon as possible, which I did. Despite Iberia bank 's failure to send me a bill they reported me to the credit bureaus as being 30 days late on a mortgage loan, 30 days late for an annual fee of {$50.00} on an $ XXXX HELOC with a zero owed balance. I'm in the process of refinancing my loan and this negative mark on my credit report is having a huge impact on my ability to obtain financing. I'm being penalized for the failure of Iberia bank to notify of money owed, please help.
Product: Money transfer, virtual currency, or money service

Starting XX/XX/XXXX and ending on XX/XX/XXXX, I transferred about XXXX USDT ( see attached XXXX ) to different wallet addresses corresponding to an entity called XXXX  ( XXXX XXXX XXXX ) using my coinbase account. When I tried to transfer the money again on XX/XX/XXXX timeframe I found out that my account was in " restricted '' status and was not able to do the transfer ( I lost XXXX XXXX  transferring money from my bank account to coinbase ; buying XXXX, selling XXXX and back to my bank account ). I later came to know that the platform was fraudulent and the transactions that I had conducted was " unauthorized ''. I believe that coinbase had come to know that the transactions I made between the timeframe of XXXX to XX/XX/XXXX were going to a fraudulent platform and I had been scammed. Had they notified me in time I would have not posted transactions from another platform XXXX XXXX XXXX  to this fraudulent platform after XX/XX/XXXX to XX/XX/XXXX. See the list of transactions that I posted from XXXX  platform to XXXX  ( with essentially the same wallet addresses ). Coinbase failed to act responsibly to me as a customer and a user of the platform. I lodged a number of complaints number with coinbase ( Case number XXXX ; XXXX ). Attached are also the XXXX, FTC, CFTC complaints on this matter
Product: Credit reporting or other personal consumer reports

An inquiry was made by XXXX XXXX on XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and credit inquiries listed on my Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) XX/XX/XXXX.
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -Balance {$630.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -Balance {$2100.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$3000.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$280.00} -DATE OPENED XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employment information is not listed or showing on my XXXX XXXX, XXXX and Experian credit report : I work at XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND, ( XXXX ) XXXX, Position : XXXX, Annual Salary : {$1.00} XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax Dear CFPB and FTC, I am writing to file a formal complaint against Equifax regarding the inaccurate information presented on my FICO credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Equifax, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, undermining public confidence and impairing the efficiency of the banking system.

I am particularly concerned about the missing rental payment history that Equifax has shared with Fair Isaac and Company ( FICO ). This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness.

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information.

Thank you for your assistance.
Product: Debt collection

I am 100 % XXXX veteran and had some medical exams and surgeryndone that was approved by XXXX. I had my Congressman and Chief Duty Director of VA send letters that XXXX is paying this bill and to remove the negative account from my credit report. I even sent them the Protecting Veterans Credit Act of 2018. They have cost me a low credit score and high interest rates because they are breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit card or prepaid card

TO WHOM IT MAY CONCERN FOR SEVERAL YEARS I'VE BEEN TRYING TO RESOLVE THIS DISPUTE WITH WELLS FARGO I HAD A {$800.00} SECURED CREDIT CARD LINKED TO MY BANK ACCOUNT WITH WELLS FARGO. I WAS INCARCERATED IN XXXX. I wasn't released from prison until XX/XX/XXXX. THE {$800.00} SECURED CARD somehow was charged {$2000.00} FOR A RENTAL CAR while I was incarcerated and somehow the {$800.00} card accepted the {$2000.00} FRAUD CHARGE. FIRST OF ALL, WHY WOULD A {$800.00} SECURITY CARD EXCEPT A {$2000.00} CHARGE IT DOESN'T EVEN MAKE SENSE TO ME ANYWAY I WAS INCARCERATED AT THIS TIME I HAD OVER {$2000.00} IN MY CHECKING ACCOUNT AND SINCE MY SECURED CARD WAS LINKED TO MY CHECKING ACCOUNT. IT WIPED OUT MY BANK ACCOUNT TO PAY FOR THESE FRAUDULENT CHARGES WITH A SECURED CARD THAT SHOULD'VE NEVER EVEN ACCEPTED A {$2000.00} CHARGE. So when I got out of prison in XXXX XXXX I thought I was getting out with money in the bank but come to find out I owe Wells Fargo over {$2000.00}. My first two months out of prison, I had to deal with Wells Fargo and at the end of it. Three years later it still hasn't been resolved. I haven't gotten one phone call from them. I have to call every time and when I do call nothings done, I sent them in the paperwork my PO officer gave me showing them that I was incarcerated during the time of these charges so it would be impossible for me to have made them and yet still they have not done anything to resolve this issue and they have not contacted me trying to resolve this issue at all all the time that we talk to him because I had to call them and see what's going on and every time I called him asking why I haven't. Why wasn't I called this time it is always something to do with how your number was wrong. I'm like I just re-updated my number. Last time we talked it's been three times ago. Oh it was one number wrong in the number it's ridiculous. Wells Fargo are a bunch of crooks it's been proven time and time again that they shouldn't be in business at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Experian Dispute Results credit report dated XX/XX/XXXX I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the date of status date or DOS didn't update, this irrefutable proof that no investigation was done 30days ago. its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status date or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status date or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX/XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from experian investigation shows the DOS date didn't change/update.
Product: Checking or savings account

On XX/XX/XXXX, Citibank closed my checking account, with a ending balance of XXXX. 
They claimed they will closed my account in 60 days and then send a check of my balance back. 
XXXX  months already, I called many times, went to branch, tried so hard to get my money back, but still have not received anything. They always said : we are still investigating, but it already passed their claimed XXXX invesigation time.
Product: Debt collection

Pattaude & Felix A.P.C.
They sent me two separate letters in XXXX and now in XXXX For debt from Capital XXXX XXXX XXXX wrote off to debt collection XX/XX/XXXX On one account I owed them {$3900.00} paid to XXXX & XXXX {$3900.00} XX/XX/XXXX paid direct. 

XXXX. XXXX XXXX put a XXXX on my account XX/XX/XXXX and got {$4300.00} They are saying the have no record of this.. 

Please note they have also first started contacting me under different names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Patenaude & Felox A.P.C. 

. 
I have sent and called them told them these have been paid and seem to say there is no record. 
I am absolutely sure that I paid in on one as I had to send my employer showing that I paid off my so they would they closed account. 

On the one that was leveed I am vey sure that they took the money from bank account in XXXX .The bank has changed hands over the years and has a different name but I am very sure they took the money. 

there is no collection on all my XXXX credit reports. 


I truly want this company to stop changing there name and stop trying to me to pay them as I have. 

Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

WAKEFIELD AND ASSOCIATES INC. CALLED ME ON XXXX ( MISSED CALL ) AND ON XXXX FROM THEIR PHONE NUMBER XXXX. WHEN I ANSWERED, THE CALLER ( AN ATDS ) HUNG UP ON ME. I CALLED THE NUMBER BACK. AND THEY TOLD ME THEIR BUSINESS NAME BUT REFUSED TO GIVE ME THEIR ADDRESS UNTIL THEY HAD MY COMPLETE NAME. THEY WERE CALLING FOR A XXXX AND MY NAME IS XXXX. I TOLD THEM THIS IS MY PHONE NUMBER AND I DO NOT KNOW A XXXX. BY DENYING ME THEIR ADDRESS, THIS IS AN UNJUST, DECEPTIVE, AND MISLEADING ACTION. I HAVE A RIGHT UNDER THE FDCPA TO KNOW THEIR ADDRESS, FILE A COMPLAINT WITH THE CFPB AND SEND THEM A DEBT DISPUTE LETTER. IF THEY LOOK CLOSELY AT THEIR NOTES, THEY WOULD SEE OTHER DEBT COLLECTORS HAVE TAKEN NOTES INDICATING THE PHONE NUMBER THEY HAVE ON THE ACCOUNT BELONGS TO ME.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$51000.00}
Product: Mortgage

Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. 
I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. 
This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).