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

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Debt collection

This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
Product: Debt collection

I never established an account with XXXX XXXX, IC systems nor XXXX XXXX. I am a victim of identity theft and did not open account with XXXX XXXX  with partial account number XXXX total amount {$290.00}. Date shows its opened XX/XX/2023. XXXX is reporting a collection account on my credit file for an account that is not mine and is was a result of fraud. I have tried to contact XXXX and they tell me to call XXXX XXXX and XXXX  says they don't see an account. However this information is reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX   opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX give authorization for Equifax to move forward with this complaint. This complaint is being submitted by myself XXXX XXXX and no third party is involved. I sent a letter with FTC report and accounts resulting from identity theft to Equifax on XX/XX/2021, the letter was received XX/XX/XXXX. I provided identity theft report and written instruction and request to remove and block information according to federal law with evidence, The law states that consumer reporting agencies have up to 4 Business days to block information resulting from Identity theft. It is now XX/XX/2021 and Equifax has started dispute but has not removed accounts from report and are now in violation and now hold criminal liability for willing and knowingly giving inaccurate information and not complying with the law. Attached will be letter with receipt so you can check the received date as well as the Law. Page 10 is evidence of US code that Equifax is violating.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries appear on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Unauthorized Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly.
Product: Credit reporting or other personal consumer reports

So I have called XXXX. XXXX. And. Experian. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.
Product: Checking or savings account

I have a delinquency on my credit report from a bank account I had in 2017 through XXXX bank. Before I could resolve the issue the bank was closed or merged into first citizens bank and they have no record of the account for me to even resolve the matter. Therefore I have a delinquency with an agency that is no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative XXXX, and She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX  XXXX Account # XXXX ], XXXX XXXX  XXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ], XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
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 USC 1681. 


XXXX. XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give XXXX days for servicing transfer. I was never late and this should not have lates on it.
Product: Credit card or prepaid card

On XX/XX/2020 I attended a Timeshare Presentation hosted by XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY. After this presentation the representative asked for our social security and state ID in order to run a credit check to see if we could qualify for their timeshare program. We declined to participate in their program and explicitly stated we did not want to be involved in any of their programs. During no point in time during their presentation did they state they would open a line of credit for us, nor did we ever state that we wanted to apply for their rewards card. They used my information to open a new credit card without my knowledge. 
On XX/XX/2020 I was notified that a new credit account was opened in my name in my XXXX  credit report. The company BARCLAYS BANK DELAWARE opened a new WYNDHAM VISA REWARDS credit account. The account was opened on XX/XX/2020 without my knowledge. On XX/XX/2020 I called the company directly and they agreed to cancel the credit account, however even when I expressed that this account was opened without my knowledge they did not say that my claim would be investigated. I am currently awaiting confirmation that the credit account has been cancelled. 
I would like BARCLAYS BANK DELAWARE to initiate a fraud investigation so that their account is taken off of my credit history.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I've sent several written requests to have all inaccurate reporting information removed. To date none of this information has been updated.
Product: Credit card or prepaid card

A scammer managed to hack my info and keep ordering credit card replacement to his address, also hacked my phone and ordered worth of thousands phone and accessories. 
I tried to stop it communicating with the credit card company and he/she couldnt stop manipulating the cc companies and ordering new card every time. 
I managed to get the address where he/she wanted the card to be delivered. 
Now I have put a hold on all my credit cards but it creates so much inconvenience and became so frustrating and a full time job calling cc companies every time I get a text message of a new card request. 
They need to be stopped
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/year> i opened my Equifax report and noticed a few inquiries that i did not authorize I reached out to the credit reporting agency to see who gave them this information to report as im the consumer and following the Fair Credit act I a able to report the accuracy of the information on my report Equifax denied my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of these are unauthorized and tampering with my creditworthiness not helping fulfill my full potential to get approved for a new house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Vehicle loan or lease

I signed a loan for a car with the understanding that the loan was for {$18000.00}. When the 1st payment came due, I noticed that the balance was higher. They added a {$120.00} fee to the principal that I had not been aware would be added to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My stimulus payment was deposited into an account I did not recognize. WHen I reached out to the Irs  they gave me a bank institution name and acct and routing number. Unfamiliar with XXXX XXXX  I called the location to try and track down this account opened using an old address and my personal info. WHen I was able to reach someone they said it was a cash app account and that i had to contact co but that they did see the account as open. when I got ahold of someone at cashapp regaurding this myseterious account using my personal info and account info I was given I was told i could not have access because i did not have telephone number or email associated with that account, When I asked for them to close the account i was told they were not able to. even though i offered to give id and any other form of verification needed
Product: Mortgage

This lender has uploaded massive numbers of pages which are unrelated to this loan or the lender 's obligation to cancel PMI. This appears to be intended to overwhelm any reviewer at the CFPB and distract from the violation at hand. 

Due to improvements in my home, we obtained a BPO to assess the current value. The lender charged us {$150.00} for this BPO The BPO stated that the home is worth {$710000.00}. The current value of the loan is {$460000.00}. This puts the LTV at 65 %, well below the 78 % threshold. Fay Servicing has been unable to remove the PMI in accordance with our request over a period of six months due to outdated and archaic systems.
Product: Checking or savings account

In XX/XX/XXXX I applied for a Citibank high yield savings account. After waiting almost a month for them to verify my address off of a utility bill, I called and asked them to stop the application process because it seemed like a red flag that their process was taking this long. The service rep confirmed they would stop processing my application. 

In the interim I applied for, and was approved for a XXXX XXXX high yield savings account in a few days. Instead of stopping the application process as indicated, Citibank then attempted to open the savings account and withdraw from my XXXX savings account without my authorization. XXXX flagged the transaction as fraudulent, as was the case. Note that I still have the uncompleted IRS W-9 form from Citibank, which Citibank states in writing is a prerequisite for account activation for all US citizens. 

I have called Citibank 1-3 times monthly now since the unauthorized withdrawal, and have been told by customer support reps repeatedly that my account would be closed. Each time I call, the customer rep confirms my account closure requests in the call log. It is now XX/XX/XXXX, and I just received another bank statement indicating that the account is still open. I am concerned that Citibank is sabotaging my credit score with their fraudulent actions to meet a phony internal KPI.
Product: Debt collection

At the time if this debit I apply fir financial assistance due to the fact the I was working part time with XXXX kids and I was approve 100 % but i also was referred out for physical therapy which also part of the hospital company so the bill i got was not paid and was added to my credit I also applied for a dispute and it still have not been resolved as of today XX/XX/2018
Product: Mortgage

Today, I received a loan modification application in the mail today. I am being told differnt things by different people. Because this application was sent to me after being told that I don't qualify for assistance, I will assume that something changed on your end. Nevertheless, I will complete it. I have decided to hire an attorney for this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Need to report fraud-for-profit by lender NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, whom, 60 days after my loan payoff is refusing to refund my escrow account of {$6400.00} ; without excuse and without basis. Advised to contact FTC.
Product: Payday loan

You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.
Product: Consumer Loan

i received an e-mail alert telling me that a capitol one auto pulled a hard inquiry and pulled my report and used my social security # without my knowledge and did not speak with me prior to this about this loan, i called capitol one they said they did not pull my report, i then called XXXX they said capitol pulled my repot and my social security # and XXXX told me that some of the information did not match what i have on file, i then called capitol ione back they said they will forward my information, they hourt me in many ways i very upset when talkin with capitol one im ver stressed out at this time i want a law suit filed im getting tired of co. trying to ruin my credit when im trying my best to get it in order and looking good i did not ask or ok to do this i never talked with anyone for this loan