23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got a card in the mail from Truist Client Center XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX saying I had opened an account ending in XXXX. I never opened an account with this bank. I called them and they wont do anything about it unless I give them my full social security number ; which I refuse to give them based on security concerns and I dont know how they got an account set up in my name & address.
Product: Credit reporting or other personal consumer reports

RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

My Address Street Number , Street Name, City, and State is and only is XXXX XXXX XXXX XXXX, Texas XXXX My current Legally acquired lawful Social Security Number last four is and only is XXXX My Date of Birth is and only is XXXX ***ABOVE listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete correct METRO 2 Formatted compliance of reporting standard ( s ). These are REQUISITES of REPORTING, NOT OPTIONS of lawful reporting so PRODUCE undeniable DOCUMENT certified PROOF of claims and the claims reporting processes and format ( s ) compliant nature or else ERADICATE said claim, be it true or not. DO SO NOW! 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

on XXXX, a direct deposit in the amount of {$2900.00} was made to my cash app account ( XXXX XXXX ). i have not been able to access my money since the deposit was made except and only by transferring a limited amount to a friends cash app account, then withdrawing the funds. im getting charged for each and every transaction and im still unable to use the card like i have for the last few years. i can not pay my bills online, make any purchaces online or in the stores. i can not draw out funds thru a cash machine,. they will not let me use my card period. the reason they give me and the only reason the they will give me is that my card isnt working and its for my protection due to unusual activity,. 
the activity is the same activity ive been conduction since i got the card years ago, they refuse to let me use my card to withrdraw my funds. ive been unable to pay bills and am getting charged late fees due to this situation that has no grounds. there is no live person to talk to about this at the number given for customer service which says there is help available mon thru friday XXXX to XXXX. it directs you back to the app and hangs up.
Product: Money transfer, virtual currency, or money service

I can register my cell phone number using Zelle with XXXX XXXX XXXX, but can't register the Zelle service with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$120.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : XXXX XXXX XXXXXXXX Partial Acct # XXXX, XXXX XXXXXXXX Partial Acct # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX Partial Acct # XXXX XXXXXXXX XXXX XXXX. Partial Acct # XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( 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 ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with Comenity for an Ulta and Victoria Secret Credit Cards on XX/XX/23. Company received my disputes on XX/XX/23 as it shows according to the certified mail. It is now XX/XX/23 and I've yet to hear back from the company with a solution. The company agreed to remove from credit report but did not keep agreement after receiving payment. The FCRA gives the company 30 days to respond, I have not gotten a response. I've contacted the company multiple times via phone and certified mail.
Product: Checking or savings account

On XX/XX/2021 I intentionally withdrew {$280.00} from my checking account and waited for time to pass and deposited {$240.00} in the same account because of theft that has been given the kind eye and slipped through the cracks. Now that I have been insulted when your company " wachovia '' now " Wells Fargo is still doing the same XXXX XXXXXXXX XXXX I am exposing and suing. You people are XXXX XXXX and XXXX We have lost so much because of your neglect as a known wide company you should be grateful that we give you our business. Instead you have XXXX  in the background stealing as little up to Millions. I have been reporting to every proper Department far enough and I am sure our country and communities will take every action to resolve this issue once and for all. I have been robbed for over {$15000.00} through a bank that I've trusted ever since I had and opened a bank account with " Wachovia '' - now " Wells Fargo ''. My attorney will be in touch and everyone else that has been mislead by your company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( XXXX  ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

GM FINANCIAL reported late payment for XX/XX/XXXX and XX/XX/XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX & Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX   XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Product: Credit reporting or other personal consumer reports

Just received an alert while I was laying in bed a hard inquiry for a auto loan at flagship I have no idea what that is and I have enhanced protection on my credit so Im not sure how they were able to push a hard inquiry through
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed 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
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ____________________________________________________ 15 USC 1681i 15 USC 1681b - INQUIRY : XXXXXXXX XXXX XXXX  Inquiry date - XX/XX/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 XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX CitiCard which was closed in 2014. It is being reported as Inactive rather than closed by XXXX. I have contacted XXXX several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked Citi on numerous occasions to report the account to XXXX as closed which has not occurred.
Product: Mortgage

In XXXX of XXXX, I applied for a forbearance on my mortgage. In XXXX of XXXX, I contacted the mortgage company to end forbearance and apply for a modification of my mortgage. 
Initially, Mr. Cooper willfully misinterpreted my request and began to process a " partial claim. '' After requesting excessive documentation from me, they sent me a denial of my partial claim and cited VA guidelines as justification. 
I contacted the VA for guidance, and a helpful representative informed me that I need a modification, not a partial claim. Mr. Cooper should have been aware of this from the beginning and had no reason to fraudulently process a partial claim. 
Mr. Cooper then began to process a loan modification. They asked me for the same documentation as before, which I faithfully re-submitted. Then they asked me for the same documentation again. And again. 
To this date, I have nearly hundreds of e-mail requests for documentation, all of them identical. I have replied to each unique request, and in many cases, I have submitted repeat requests for documentation. However, Mr. Cooper shows no progress or intention to process my request for modification. Some of their requests have been truly impossible to procure, such as notarized and translated utility bills and tax information. 
It has been seven months since I began this process, and in that time, my delinquent balance has ballooned to an unmanageable amount. I fear that this balance will continue to grow until Mr. Cooper is forced to foreclose on me, because they are unwilling to process my modification in good faith. I have repeatedly offered to resume monthly payments to prevent the growth of my delinquent balance, but Mr. Cooper has rejected my attempts to make responsible loan repayment. 
I am attaching just one of these recent requests for documentation in conjunction with proof that I have submitted aforementioned documents. 
In summary : Mr. Cooper refuses to process my modification, repeated requests copies upon copies of previously submitted documentation, and refuses to accept monthly payments.
Product: Mortgage

Wells Fargo Mortgage is our former mortgage lender. In XXXX of XXXX we put our home on the market in XXXX Oklahoma. I called Wells Fargo Mortgage prior to putting the home on the market to get a payoff amount. The payoff amount that I was quoted was {$150000.00} for which the XXXX XXXX wired that amount to Wells Fargo on XXXX. I have been checking my Wells Fargo account since XXXX to see when they apply the payment and to date, the payment has not been applied to the account. My mortgage account balance that shows on my account as of XXXX is {$140000.00} which is {$6200.00} less that what we paid them to pay off our mortgage so in my estimation, we overpaid Wells Fargo {$6200.00}. I called Wells Fargo on Monday XXXX and after being on hold for 48 minutes and being disconnected 3 times, I finally spoke to a XXXX XXXX XXXX and she stated that we still owe approximately {$2500.00} more in order to close the account and the account will stay open until the money is received. She said that the payoff quoted by Wells Fargo was incorrect and didn't include insurance fees. She said by not paying the balance due will effect our credit scores. I feel as if there is a scam going on at Wells Fargo and there is no one other than XXXX XXXX to speak to. PLEASE HELP. There is no where that states that we owe Wells Fargo more money. They have never contacted us stating that there is still a bfalance on the account. The attached Payoff letter states that the payoff amount if {$150000.00} is good through XX/XX/XXXX and the wire was transmitted on XX/XX/XXXX, XXXX