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

I recently obtained a copy of my credit report from TransUnion and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am requesting the immediate block and removal of these accounts from my credit file. Fraudulent Accounts Identified XXXX XXXX XXXX  Account Number : XXXX Status : Charged off, {$740.00} written off. XXXX XXXX XXXX Account Number : XXXX Status : Charged off, {$29000.00} written off. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$540.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$630.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$7500.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$8800.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$580.00} past due. XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$6400.00} past due. XXXX XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$1100.00} past due. Legal Notice & Request for Account Removal As a victim of identity theft, I am asserting my rights under : FCRA 15 U.S.C. 1681c-2, which requires credit bureaus to block and remove FCRA 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, which prohibits fraudulent debt collection activities
Product: Vehicle loan or lease

Got a letter from apple recovery service saying they are collecting for credit acceptance corporation for the amount of XXXX dollars. I have not never bought a car or anything else for anything close to That amount of money I did not make this loan or any other loan for this amount. This is a fraud or they got the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans back in XXXX. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past 6 years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong date of birth which is causing me to be denied credit. I have sent the required documents that were needed to correct this incorrect information on 3 separate occasions by mail and by fax. Every time I call Equifax they say that they havent received anything.
Product: Credit reporting or other personal consumer reports

Im trying to get approved for my first home and noticed unauthorized inquiries on my report. I contacted all 3 bureaus and they still havent been removed.
Product: Money transfer, virtual currency, or money service

My money was stolen from XXXX XXXX, and I didnt know about the class action lawsuit that was put in place for this problem and I was never notified of anything or reimbursement of any kind
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Money transfer, virtual currency, or money service

Once again, I come to file a complaint about Truist bank, previously BBT. Truist managed to be worse than BBT. My complaint today concerns the banks refusal to complete the process of authenticating a non-Truist account for my money transfers, in violation of their contractual obligations. 
On XX/XX/XXXX I attempted to register my XXXX account as a non-Truist account for the purpose of money transfers. The process, as determined by Truist, involves making two small deposits in the non-Truist-account candidate, which later the client must enter in a verification step. The step is supposed to happen after an email is sent by Truist. 
This email was never sent. I checked all possible folders : it just wasnt sent. 
Two days is a lot of time in the financial market. Four days means that they are deliberately obstructing my transaction, or they are totally incompetent and negligent. In either case, they must be forced to comply with their contract with clients, which obviously involves allowing money transfers. 
Let us remember that Truist is invested in making transfers as difficult as possible, which is the reason I am giving up on them unless they give me a very strong reason to keep their business. 
Finally, they eliminated the methods of written communication that were one of the few good things about BBT. Not even the chat works. In accordance to the American Disability Act, I demand written communication only : I have hyperacusis and can not talk on the phone.
Product: Credit reporting or other personal consumer reports

An unknown collection has began showing on my credit report XX/XX/24 under XXXX XXXX XXXX reporting a balance owed of XXXX $ that I have no contract with and this debt is not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2028, I contacted Experian and requested corrections to my credit report. Despite previously submitting a dispute along with a copy of my valid Pennsylvania drivers license, the incorrect address remains on my report. The incorrect information has not been updated, which may be affecting my credit profile. I have taken all necessary steps to provide the proper documentation, yet Experian has failed to correct the issue. I am requesting that this matter be promptly addressed and that my credit report reflect the accurate information.
Product: Other financial service

we signed up with Global Client Solutions to consolidate our debt with some creditors. They said they would handle all the negotiations and our creditors would be paid. We could never reach anyone on the phone, we were paying XXXX a month for 11 months, I sent them statements and letters from creditors, they said do not answer phone calls from creditors. one day a Sheriff showed up my door gave me a summons to appear for court, being sued by XXXX creditor, I then called a friend who was states attorney and he said it sounds like you 've been scammed, also XXXX was involved with this scam, so I was wondering if there is any recourse in recovering monies I sent to them and was scammed
Product: Credit reporting or other personal consumer reports

Companies XXXX XXXX XXXX account # XXXX And total XXXX XXXX XXXX account # XXXX I requested 1099-c from these companies and previously disputed these accounts with XXXX XXXX XXXX Experian problem has not been resolved charge offs are considered income and income is not to be reported to consumer credit report 15 usc 1681 e ( b ) maximum possible accuracy 15 usc 1681 b ( a ) 2 permissible purpose of consumer reports
Product: Credit reporting or other personal consumer reports

There are two accounts on my credit report thats reporting two debts in collections, that are two different amounts reporting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX both claim that I owe a debt to them from XXXX, how can this be? Ive tried to dispute this information with Equifax and they are claiming these accounts as accurate which I know is not correct because XXXX was able to delete the credit management profile from my credit report. According to the FCRA, theyre both reporting against the FCRA standards.
Product: Mortgage

Paid my first trial payment on XX/XX/XXXX as payments are due the first of every month beginning XX/XX/XXXX until XX/XX/XXXX. Discovered that XXXX did not post payment until 2days later, also my mortgage was sold to XXXX from XXXX and I disputed my balance amount due to unethical handling by XXXX and XXXX XXXX disregarded me. My mortgage balance should not exceed XXXX. I would like my mortgage to be affordable and I want XXXX XXXX   to be fair
Product: Money transfer, virtual currency, or money service

My sister 's XXXX account was compromised. The scammer then called me, pretending to be her, urgently asking for help while claiming to be in the XXXX  and in need of money due to a delayed process. Believing it to be true, I rushed to WesternUnion to send the money, thinking it would be delivered quickly. After completing the transfer, I repeatedly called my sister 's XXXX, but there was no response. Concerned, I contacted her husband, only to shockingly discover they hadn't reached out for help, and my sister wasn't XXXX  at all. Realizing it was a scam, I immediately contacted WesternUnion to halt the transaction while its still pending and retrieve my money. But the company refused to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from Det. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXXPD apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy falsely reported to my credit with date of XXXX
Product: Checking or savings account

I'm trying to send money to myself overseas using XXXX XXXX but Capital one refuses to let me use the service blocking XXXX XXXX from removing the funds from my account. Forcing me to use their credit card so I can pay {$30.00} fee plus interest on money advance when I have funds on my bank account. I tried to contact them twice and the last time the person who I spoke with told me that was nothing they could do about that. That they would not allow XXXX XXXX to remove the funds. The money is mine they can not force me to pay fees that I wouldn't if I had a different account.
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 3credit 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number:XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number:XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiryXX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry:XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry:XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Unauthorized Inquiries The purpose of my letter is to dispute the following twenty one inquiries that are wrong and unauthorized. Please remove them from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have XXXX  hard inquiry on my credit report thats fraudulent I have never had an account with neither and neither did I try to apply for credit and Im requesting for immediate deletion CBNA and XXXX XXXX Bank
Product: Debt collection

I receive 4 phone calls on XX/XX/XXXX from Phone number XXXX stating that I have debt of XXXX on 3 accounts ( 2 accounts are from XXXX ) as I stated was discharged in bankruptcy in XXXX and then they stated I had a debt from XXXX and used email address XXXX ( and refernce XXXX XXXX ) at a XXXX XXXX ( XXXX ) in ohio. I asked for written notification and offered my address but they wouldn't take it.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information, as willful negligence and non-compliance with federal statues. Please remove the following inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am writing in response to your letter dated XX/XX/year>, regarding my request to cancel the escrow account associated with my loan. After reviewing your response, I must express my disagreement with your findings. 

Firstly, I would like to highlight that my loan documents indicate that the establishment of an escrow account was optional and not mandatory. According to the Real Estate Settlement Procedures Act ( RESPA ), specifically under 12 U.S.C. 2605 ( e ), servicers are required to respond to a borrower 's qualified written request ( QWR ) and address the issues raised by the borrower. Therefore, I am formally submitting this as a qualified written request.

Upon review, it appears that my current Loan-to-Value ( LTV ) ratio is cited as 94.6 %. However, there is no stipulation within my original loan agreement that mandates an escrow account solely based on the LTV ratio. Additionally, the loan documents provide that the escrow account can be canceled upon request, provided certain conditions are met. I have met all other conditions outlined in your letter, and the LTV ratio alone should not be a disqualifying factor, especially since it was not explicitly required in the loan terms.

Furthermore, the terms of my loan agreement do not specify that the maintenance of an escrow account is compulsory if my LTV exceeds a certain percentage. Given this, I request that the escrow account be canceled as per my initial request. 

Please treat this correspondence as a formal and qualified written request under RESPA. I urge you to reconsider your position and proceed with the cancellation of my escrow account. If my impounds are not removed, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

I appreciate your prompt attention to this matter and look forward to your favorable response.