23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my  credit without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

I have a credit card with Wellsfargo but never activated the card. it is linked to my bank and I have automatic payment on. However they decided to hit me with a late payment report that hurts my credit score. This incident is costing me money and would like to file a complain to have this late reporting taken off.
Product: Credit reporting or other personal consumer reports

I have several inquiries that I did not authorize on my credit report. I have filled out an identity theft report as well. 

These inquiries are, XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX. Capital ONE XX/XX/year> I have contacted both XXXX XXXX and Capital one with no luck. I have even sent a letter to both XXXX  and XXXX and they both did not remove the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The listed hard inquiries were unauthorized, violating 15 USC 1681c-2 and damaging my score. Requesting their removal.
Product: Debt collection

The debt was reported as being opened in XXXX however, the debt was opened in XXXX in XXXX and should be off my credit report however they purchased the account from a different collection agency in XXXX and reported that as the date that that was opened Incorrect these dates are incorrect and they should have expired off of my credit report. It is preventing me from being able to seek XXXX where I live at because this XXXX debt has caused me to lose XXXX separate apartments. It has been bounced around for years now to different collections as a loophole to avoid it timing out after XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate
Product: Debt collection

Excessive calls 15-20 times a week is harassment for past 60 days. I filed a chapter XXXX bankruptcy already this is a legal violation of my rights. I advised all concerned this is violation of automatic stay.
Product: Debt collection

In XX/XX/, I returned a rental car to XXXX XXXX XXXX  Upon the return I informed the owner of the rental company about minor scratches on the hood due to vandalism from homeless individuals. She offered me two options of paying her directly with a credit card for the damages or opening a claim with my insurance company. I proceeded with opening the claim with my insurance. While the claim was open, she tried to also charge my credit card for the same amount, which I disputed. As the claim process proceeded, she asked my insurance for XXXX XXXX  that the insurance found baseless due to the nature of the minor scratches and awarded her {$1500.00} ( which is what she quoted me when I had the option to pay or file a claim with the insurance ). She received the check but since XXXX XXXX told her she wouldnt be awarded an additional XXXX XXXX because the scratches didnt warrant that she turned that balance over to United Legal Group Debt Collectors XXXX who has been calling and harassing me for XXXX XXXX  despite me providing documentation of the insurance claim and payout which was opened immediately in XXXX. They have now said I only owe them XXXX XXXX for a copay but nothing is owed because this debt was rectified with my insurance from the beginning. They have fraudulently submitted this to collections and to the credit bureaus to impact my score. They have been rude, condescending and said they will make sure it stays on my credit for 7 years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XX/XX/XXXX AMOUNT {$0.00} acct # XXXX XXXX XXXX / XXXX AMOUNT {$2100.00} acct # XXXX XXXX XXXX XX/XX/XXXX /XX/XX/XXXX AMOUNT {$110.00} acct # XXXX XX/XX/XXXX BANKRUTCY FILING/ XX/XX/year>2019 AMOUNT {$940.00}
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement.

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me or not authorized. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

I am told that I owe on an old lease ( Ford Motor Company ) I traded that vehicle in for a new XXXX in XXXX They are now saying I owe XXXX. I do not owe this amount.I have tried to dispute and they will take off XXXX here and then put it back onto my credit. This is affecting my credit score in a negative way, and I am trying to get this fixed.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I deposited a bank issued check from XXXX XXXX XXXX XXXX in the amount of {$250000.00} from the redemption of a CD at XXXX XXXX XXXX XXXX into my checking account at Bank of America. The held all of my funds except {$5500.00} until XX/XX/XXXX at XXXX, which is a Saturday and left the funds stranded at Bank of America until Monday, XX/XX/2021 thereby depriving me of earning interest on my funds being held of {$240000.00}. The flimsy excuse they gave me was that I " deposited checks totaling more than {$5500.00} in one day. '' Now come on!!! The bank issuing the check, XXXX XXXX XXXX XXXX is located not even one mile from the Bank of America location where I made the deposit. I know that Bank of America received the funds from XXXX XXXX XXXX XXXX, probably the very next day of my making the deposit. I feel that it is patently unfair for a bank to be able to tie up my funds for a week. I would like to know the date that the check from XXXX XXXX XXXX XXXX cleared their account and Bank of America received the funds from that deposit. This is unfair to consumers like me who are at the mercy of these huge banks who want to call all the shots. I figure I lost about {$20.00} in interest while Bank of America needlessly held my funds. I know that is a small amount of money but the point is, banking hold policy is unfair to consumers and should be better regulated. A bank check is a bank check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with their customer service, they would not help and take care of the negative inquiries reporting on my credit report. Keep, in mind that I have a fraud alert/ identity theft alert on my account and they did nothing to resolve these fraudulent inquiries. 
Also, I disputed these fraudulent accounts because of identity theft multiple times and also sent in multiple police reports/ documentation. The company decided to not take my disputes serious and did not provide valid reasoning for not removing these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/TOTAL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX Account Number - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative inquires : XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. 
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  R XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX
Product: Debt collection

I, XXXX XXXX, am filing a second formal complaint against Zwicker & Associates, P.C., acting as a debt collector for XXXX XXXX regarding an alleged debt of {$2100.00}. Despite my initial complaint, Zwicker & Associates, P.C. continues to fail in meeting its legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other consumer protection laws. I am disputing the validity of this debt, as the firm has not provided sufficient documentation to substantiate their claim. Specifically, Zwicker & Associates, P.C. has not presented a legally binding contract containing my authentic signature and full Social Security number to verify my consent or obligation to this debt, as required under 15 U.S.C. 1692g ( b ). Until such documentation is provided, all collection efforts must cease as mandated by law. Furthermore, Zwicker & Associates, P.C. continues to ignore my request for arbitration as outlined in the standard contractual clauses of XXXX XXXX agreements. This refusal to honor arbitration provisions demonstrates bad faith and a disregard for procedural fairness, in violation of the Federal Arbitration Act ( FAA ), 9 U.S.C. 1-16. Their failure to take action on arbitration reflects a broader pattern of noncompliance with consumer rights and industry standards. Zwicker & Associates, P.C. 's actions also raise significant concerns under the CFPB 's Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. The firm persists in its collection efforts without providing legally required validation of the debt, relying instead on incomplete and insufficient responses. This conduct constitutes abusive practices and undermines the protections afforded to consumers under federal law. I respectfully request that the CFPB investigate Zwicker & Associates, P.C. for violations of FDCPA 1692g ( b ), UDAAP standards, and other applicable statutes. Additionally, I demand that the firm immediately cease all collection efforts until it provides full and verifiable validation of this alleged debt, including a signed contractual agreement with my authentic signature and Social Security number. I also request that Zwicker & Associates, P.C. honor the arbitration provisions specified in the XXXX XXXX agreement as an alternative dispute resolution method. If Zwicker & Associates, P.C. continues its noncompliance, I will have no choice but to seek judicial relief, including damages for violations of consumer protection laws. I urge the CFPB to take swift and decisive action to address these serious violations and hold Zwicker & Associates, P.C. accountable.
Product: Consumer Loan

Paypal Credit refuses to extend the reduced APR ( 11.99 % ) that I requested as a part of a hardship payment plan. Paypal Credit insists that they only allow a one year hardship period, and raised the APR to 19.99 %.
Product: Debt collection

I have Hard inquiries on my credit.They are unauthorized. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

I have been requesting information from Seterus Incorporated since XX/XX/XXXX and Seterus Incorporated has never answered the questions. The following is one of many questions not answered. Please keep in mind a response differs from an explanation and under RESPA ( Title:12 Chapter:27 Section:2605 ) I am do an explanation. 

Paragraph two, Section three of the mortgage signed on XX/XX/XXXX states : Lender may, at any time, collect and hold Funds in an amount ( a ) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and ( b ) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. 

The phrase a LENDER SHALL defines an obligation. The phrase estimate the Funds due based on current data and reasonable estimates of expenditures of future Escrow Items states that Seterus Incorporated is obligated to look at future events that will effect escrow payments. The payoff of the Note effects future escrow payments ; Seterus Incorporated has NO legal standing to collect escrow payments if the Note has been paid. Seterus Incorporated has the information necessary to determine projected payoff ; in fact I have sent Seterus Incorporated, nearly a year ago, a payment schedule which showed an XXXX payoff. 

THE QUESTION : Why did Seterus Incorporated fail to fulfill the obligation of correctly estimating the escrow funds? Why was the XXXX payoff not considered? 

I do not need another copy of incomplete transaction records. I do not need a explanation of how my insurance and taxes increased. I need an answer to why the payoff was not considered.
Product: Credit reporting or other personal consumer reports

Capital One Opened XX/XX/2017 allegedly owe : {$1600.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to dispute inaccuracies in my credit report and to seek compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further reinforced by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to properly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Transunion : XXXX XXXX XXXX XXXX XXXX XXXX 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

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. The accounts and inquiries listed below were made without my authorization. Under my rights pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit report.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XX/XX/24 XXXX PM, called Capital One re : {$12.00} interest charge for XXXX capital one credit card statement ; Last invoice {$330.00} was paid in full on XX/XX/24. Spoke to " XXXX '' and was transferred to XXXX " XXXX '', who stated that Capital One 's system would not allow override of interest. XXXX stated interest computation was backdated XXXX months. All invoices have been paid in full by payment due dates. 
I am requesting that the interest charge to be waived.