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

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TEXAS XXXX XXXX # XXXX Subject : Formal Dispute Lack of Evidence in Fraud Investigation & Request for Refund To Whom It May Concern, I am writing to formally dispute the unauthorized transactions on my account and to demand an explanation as to why Wells Fargo has failed to provide physical evidence supporting its decision. Rather than relying on assumptions or beliefs about what happened, I expect tangible proof, including but not limited to : ATM surveillance footage showing me making the withdrawals Records proving that my phone number or voice was used to activate or authorize the debit card transactions Any other verifiable evidence linking me to these fraudulent transactions If Wells Fargo can not produce such evidence, then your investigation is incomplete and not legitimate. I was not present at the location where the fraud occurred and was, in fact, four hours away at the time. I can provide evidence of my location during the fraudulent activity, and I request that my documentation be reviewed as part of this investigation.

As a financial institution, it is Wells Fargos responsibility to conduct a thorough and fair investigation. Without definitive proof of my involvement, the appropriate course of action is to return the stolen funds to my account immediately. Failing to do so violates my rights under the Electronic Fund Transfer Act ( EFTA ) and other consumer protection laws. 

I request a written response detailing your final decision, along with any supporting documentation you have used to reach your conclusion. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please respond within 10 business days to avoid further action.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXX. fraudulent account XXXX XXXX Bankruptcy- XXXX XXXX XXXX. fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

A company by the name of Midland Credit keeps calling me about a debt that I am not a party to. Initially they were calling me cell phone number, and I believe they may still be calling my cell phone although I have asked them not too. Even after telling them I am not the debtor, they continue to tell me all of the details of the debt. They have disclosed the total amount of the debt, that the debt is for a credit cards with XXXX XXXX, etc. they call several times a day, every day. The debtor is my spouse XXXX XXXX.
Product: Mortgage

PennyMac Loan Services LLC incorrectly calculated my mortgage payment last year to not include property tax. When they recalculated for this year they realized their error and added on my property tax bill from last year and the one for this year, causing my payment to almost double. I called them and they agreed I was diligent about sending them my tax bill as soon as I received it and paying my bill on time. The best they could do was disperse the old tax bill across payments but this still has caused my mortgage payment to increase almost {$300.00} more a month than last year 's monthly payments. They sent me a letter saying they would look into making this payment smaller yet but that they needed to talk to me in person and told me to call a woman name XXXX XXXX, Priority Complaint Specialist. I have called and left a message on this woman 's machine 4 times. I have never been able to get a hold of her. She has only attempted to call me one time at the beginning of XXXX and it was during my work day. I have since called her back, during work hours, 4 more times and left messages with my name, loan number, complaint number, and telephone. She has yet to return any of these. This has been left unresolved for so long that I 've had to make the almost {$300.00} more a month higher payment which has obviously been a tremendous burden on my budget. This company has messed up my loan, literally the biggest investment in my life, that I have very little confidence in their ability to remedy this problem and in their ability to not create another issue.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports transunion, XXXX, and XXXX my credit score dropped from mid XXXX 's to low XXXX 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have had a major issue with TRANSUNION not reporting my account information correctly even after the data furnisher submitted multiple times off cycle updated account information. I have sent in the documents from the furnisher and called over 100 times. 
The issues started in XXXX XXXX XXXX  and still going on.
Product: Credit reporting

I am filling this complaint because I have been ignored by the Transunion. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Product: Debt collection

The item that Midland Credit is illegally attempting to collect has been XXXX through my XXXX XXXX XXXX. Ive disputed through the credit bureaus and they told the credit bureaus it was accurate this is illegall and I will contact my XXXX attorney and they will gladly reopen this case and have midland credit pay their fees plus I will claim for emotional distress as Ive stated to them before this is stressing me out
Product: Credit reporting or other personal consumer reports

My data and information has been leaked for the last XXXX years by several big companies.
Product: Credit card or prepaid card

On XX/XX/XXXX my money market account was closed based on. Escheatment. I regularly use the card and account. When going in the Truist bank they were unable to help and directed me to XXXX number. They stated this process is done with inactive accounts but they could see this account is regularly used and based on Alabama law escheatment happens after an account is dominant for 3 years. This is not my situation. This is obviously an error and the bank should have fixed immediately. The bank is saying this is a third party product and they can't help. There was several thousand dollars in this account.
Product: Mortgage

The lender is refusing to review the clients file for loss mitt options - We submitted the loan modification package to the lender on XX/XX/XXXX they failed to provide us with a missing docs letter - we spoke to the lender on XX/XX/XXXX and was advised of missing items - the missing items were provided to the lender on XX/XX/XXXX - the lender did not pull the requested docs to confirm they were received for the review until XX/XX/XXXX and then advised that due to the sale date being on XX/XX/XXXX they were denying the review for loss mitt assistance.
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXX bank transaction list.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX  : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : XXXX, XXXX, and Equifax ) XXXX What happened : I have Identified 4 Fraudulent Charge Offs and Collection accounts on my FICO credit score report Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is 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 XXXXXXXX on XX/XX/XXXX of XXXX account number XXXX, Affirm Loan Purchases on XX/XX/XXXX account number XXXX and XX/XX/XXXX of XXXX account number XXXX, accompanied by XXXXXXXX XXXX XXXX XXXX XXXX XXXX Car Insurance account opened on XX/XX/XXXX of XXXX account number XXXX. All have turned into Charged Offs and Collections which resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is stating the account paid in full and consider closed but reporting late payment for the month of XXXX. I called several time to XXXX XXXX  XXXX and all 3 credit bureaus to fix this matter. No late payment at all. This is the second issue I have had with reporting from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit
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 XXXXXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Bankruptcy Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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 card

I signed up for a prom on XXXX if I spend {$800.00} on grogery, restaurant and gas I would get {$90.00} back each month for XXXX, XXXX, and XXXX. I was suppose to get it each month I spent that amount. I did not get it in XXXX or XXXX. I called XX/XX/XXXX the rep assured me the credit would be placed XX/XX/XXXX I did get my XXXX credit of {$90.00} but not my other {$180.00} so I called again and spoke to a supervisor he said that the request was put in and I would get the credit I waited and never got the credit. I called again and spoke to another supervisor and she told me the request was never submitted but assured me that she did it and I should have the credit by XX/XX/XXXX I never got as of XX/XX/XXXX she gave me a {$50.00} credit for all the trouble and interest I have paid over the last three month but I still out this {$180.00}. The company contines to try and get out of these promo they offer and needs to be looked into.
Product: Credit reporting or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have doubts about the accuracy of this account and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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

Unauthorized credit inquiries obtained by the following companies : 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