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

In accordance with the Fair Credit Reporting act. The List of accounts, addresses & employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following accounts, addresses & employers have violated my rights : Account Name : XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Bank Acct. # : XXXX XXXX Acct. # : XXXX XXXX XXXX. OF XXXX Acct. # : XXXX XXXX XXXX XXXX Acct. # : XXXX TOTAL XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Acct. # : XXXX These following Addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX These employers must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Product: Mortgage

ESCROW PAYMENT INCORRECT, BECAUSE XXXX XXXX REFUSED TO ACCEPT MY ( TAX-EXEMPTION ) AS I AM ( XXXX XXXX XXXX XXXX XXXX VETERAN ) " EXEMPTION # XXXX '' FROM NEVADA ASSESSOR OFFICE. TERRIBLE WAY OF SERVING PEOPLE. HANDED ME MY TAX EXEMPT WRITTEN ON A BUSINESS CARD. DESPICABLE NOT PROFESSIONALISM TYPE OF SERVICE, KIND SCARE ; LED TO DISARRAY INFORMATION OF UNSCRUPULOUS CONDUCT I SHALL SAY ... ALSO ; THE MORTGAGE COMPANY SUPPOSE TO REFUND AND REIMBURSED OUR TAX EXEMPTION FROM OUR MORTGAGE PAYMENT, ONCE IT IS SETTLE ON THEIR SIDE OR WHATEVER THE CASE MAYBE. I AM SERIOUSLY CONCERNED BIG TIME ABOUT SERIOUS FRAUDULENT CONDUCT AND ACTIVITY TARGETTING PEOPLE NOWADAYS UNLAWFULLY. SO MUCH SCAMS ACTIVITY ORCHESTRATING BY BUSINESSES NOWADAYS UNLAWFULLY IN VIOLATION OF THE CONSUMER LAW FOREMOST.
Product: Credit reporting

The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, XXXX Bank # 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

I just reviewed a copy of my credit report and noticed 2 accounts from XXXX XXXX XXXX. One is a Credit Card account opened in XXXX XXXX with a balance of {$5000.00}, and the other is a loan account opened in XXXX XXXX with a balance of {$2600.00}. I have never heard of this company, nor had any credit card or loan accounts with them or their original creditors. I am a victim of Identity Theft and these accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : Revvi Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} XXXX kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX kentucky XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account : XXXX Number XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, number : XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you XXXX  to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

BridgeCrest did not represent themselves as XXXX. However, they are currently reporting the last payment amount was XXXX This is inaccurate information. The last payment amount was XXXX  Please have this company send a validation letter showing I did purchase the car with identifying information. 

The car is showing reposession. Please have them show the last date of payment. The day the car was reposessed. 

XXXX is reporting the balance amount is XXXX this is incorrect. They are also showing the past due amount is XXXX this is also incorrect. Please have all necessary documentation to show that a balance is owed on this car.
Product: Credit card or prepaid card

Enclosed find for card ending in XXXX an email received XX/XX/2023 through our email at like XXXX XXXX  I did not nor do my wife on joint account that you have issued to cards for with different numbers that we can not even track. The purchase as at a XXXX XXXX XXXX for {$79.00} never heard of or would we use a credit card. So, first issue is we are not able to check this, second is we didnt make this purchase, third same account never had different numbers on cards and very disappointed we can not track both cards on this account since you chose to do this. 
We are married been so for 37 years and everything is joint on all other accounts and we dont appreciate you deciding to make it separate and hard for us to track. 
Next issue is of your crediting our account payments sent each month that state principal only, our balance not being reduced and we have questioned this for years. Sent number complaints with nothing be done we are including just a few for last8 months, however we want years of applying payments corrected and our account to reflect the correct amount we owe. We often paid amount for amount charged but you did not apply correctly but charged us interest no problem. we have sent them copies of the payments and amounts that they don't apply corrtectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 I contacted XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX by phone and informed a salesperson that they had a car I would like to look at for my wife. I informed the young lady that I would be in in the morning with the cash and would buy the car if it were " as advertised ''. When I arrived the next day I found they had sold the car the day before despite being told at XXXX the XXXX prior that the car was still there. They tried to sell me a more expensive car and I left without doing any further business with them. I later found out they they had run a credit inquiry on me without my permission or authorization. Upon logging into XXXX to post a review of this business I found that I was not the only person this has happened to. When I called the dealership and spoke with the manager I was informed he had my " digital signature '' allowing them to do this. I did not give them anything permitting it. He stated he would have someone contact me. No one did. I called again and was given the run around by another individual claiming to be a manager. He was no help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported on my credit report which Transunion refuses to investigate and delete due to it being inaccurate also has the incorrect spelling of my name which is XXXX they have it being spelt as XXXX
Product: Money transfer, virtual currency, or money service

Entered wrong account number for wire transfer. Immediately called Wells Fargo on XX/XX/2021 to initiate dispute and pull the funds back. Received claim number called today XX/XX/2021 to follow up. I was transferred XXXX trying to get someone to assist with the claim. Nobody will take accountability on who is responsible for handing the dispute.
Product: Checking or savings account

WAITIING FOR 8 WEEKS NOW -- -THIS ISSUE HAS NOT BEEN RESOVLED! 

CITIZENS BANK STILL HAS MY {$5000.00} & REFUSES TO RETURN OR ALLOW ME ACCESS TO IT! THIS IS THEFT -- PLAIN & SIMPLE! 

I received a promotional advertisement mailed specifically to me from Citizens bank. Despite following the instructions and funding a checking and savings account, the accounts were closed. The funds for the checking account ( {$50.00} ) were reversed and returned to me. The funds for the savings account ( {$5000.00} ) were NEVER RETURNED. I have contacted Citizens multiple times via chat, phone, and in person without resolution and am told, " We have no record of your account, so were are unable to help you ''. We I called to speak to a supervisor, Iwas on hold for over 1 hour, connected and then was hung up on. For proof, attaching : -photo of direct mail advertising promotional offer -email from Citizens that {$5000.00} was received -statement from my sending bank {$5000.00} was debited -screen shot of 1 hour call to Citizens.

Attaching documents to prove my complaint.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I noticed a " XXXX '' account that does not belong to me. I am a victim of identity theft. I have never established any business, nor communicated with XXXX regarding a mobile line.
Product: Mortgage

We applied for a modification but this company Gregory Funding wants to offer a forebearance. Its not to our benefit. We got a unfavorable agreement but we thought we had no other options. 
After paying a 3 month trial period they were to send the restructured affordable payment plan. We did not receive anything. 
I got a call from the shady company to continue to make the unreasonable payments until they get caught up with paperwork and send us a final work out plan. At that point we felt that was unfair and we needed help to stop this company from collecting more payments that were not part of the agreement. 
This XXXX XXXX XXXX charged us {$1500.00} A month for 6 months to submit. Mother application and prevent any foreclosure proceedings. They dropped the ball because by the time Gregory funding reviewed our paperwork they had already submitted a demand letter a month before they reviewed our forbearance plan. The representative called to inform us of the pending agreement we needed to sign before a certain date as there was already a demand letter sent to us but that was never done. We had to ask for the letter to be emailed, it was dated XXXX and we are in XXXX. 
I sent a freedom of information act letter to Gregory asking for the proof of documentation stating they have a claim to our property as it was sold several times. They were supposed to send documentation via certified mail within 20 days. To this point XX/XX/XXXX will be 20 days We have now been sent another threatening letter of foreclosure and letting us know that we can still apply for assistance through a modification packet. We are very stressed and feel nervous, Ive researched for any and all avenues to stop them from their unethical practices. There is a lot more to this and I have a lot of letters and demands that by RESPA we are entitled to information but they have not sent or responded to any of my demands.
Product: Credit card

Contacted by person claing to be from Bank of America asking if I had made a purchase on my Bank of America card for XXXX. I do not have a Bank of America card. They said card was applied for in Oklahoma and issued on XX/XX/year> for which i had not applied for or have. They transfered me to an individual supposedly at consumer financial protection buereu that sounded much the same as 1st called which asked personal info for which I will not give on phone. Caller got upset and hung up.
Product: Credit card or prepaid card

This complaint concerns my TD Bank credit card. I have not used this card at all this year. In XXXX a fraudulent charge of {$1.00} was posted to my account. I reported this after receiving a letter in the mail telling me my account was past due. That was in XXXX. I reported the fraudulent charge and was told an investigation would take place. My card was cancelled and I was sent a new card. In XXXX I got another letter saying my account was past due and that I owed {$75.00} - all stemming from the {$1.00} charge. I was reported to the credit bureau because of this. I believe this was improper because I reported the fraud and all fees, charges, etc. should have been placed on hold. What a mess and terrible way to treat a customer over a {$1.00} charge. A simple XXXX search would show that the company that posted the {$1.00} XXXX is well known for this scam.
Product: Checking or savings account

I went to a local bank of america on XX/XX/XXXX and deposited a check inside at XXXX XXXX for {$30000.00}. I was told they were putting a hold on the check. On the deposit slip they gave me it said {$5300.00} would be available on XX/XX/XXXX by XXXX and {$24000.00} would be available on XX/XX/XXXX by XXXX. I received an email on XX/XX/XXXX at XXXXXXXX XXXX stating they were putting an additional hold on the check and I would not receive any of the funds until XX/XX/XXXX. The reason it stated was " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I tried calling multiple times over the weekend on XX/XX/XXXX and XX/XX/XXXX and no one could give me any information on it. I scheduled an appointment at the Bank of America branch where I deposited the check on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with branch employee XXXX. She made some calls and still couldn't tell me any information, she eventually was able to see fraud placed a hold on the check but thats all she could tell me and she couldn't help me anymore. I called BOA on XX/XX/XXXX at XXXXXXXX XXXX and spoke with the fraud department. They told me they were going to transfer me to someone that could help me and the call hung up. This call lasted 22 minutes. I called back on XX/XX/XXXX XXXX XXXX and was transferred to the fraud detection department. She could see fraud did place a hold on the check because they needed to verify it. She told me she would put an expedite on the check. I regularly deposit checks of this amount multiple times a year. The check is from XXXX XXXX who I've deposited from multiple times in the past. The check is from my father who has the same last name as me and also has a Bank of America account. I need this check to pay my bills and I'm unable to pay them because of this.
Product: Checking or savings account

Ive had this account XXXX years and my late husband served in XXXX XXXX XXXX and he was an honorable veteran and XXXX. 

Im currently receiving his pension checks since his death in XXXX 

Bank would not exist without people like him. End of that story. 

Now bank refuse to release the funds
Product: Mortgage

Please be advised that this unusual foreclosure complaint is rare and unorthodox Due to the nature of the complaint. As of XX/XX/XXXX, I XXXX XXXX. Unsuccessfully requested per Freedom of information Act ( FOIA ) documentation concerning my mortgage loan that was Wrongfully foreclosed on in XXXX. My family still suffer from the dramatic unprecedented eviction. Wells Fargo as of XXXX, XXXX responded to the last Consumer Financial Protection complaint. On the other hand Wells Fargo failed to respond to the Freedom of Information Act. I request specific documentation Wells Fargo continued to send me information concerning my mortgage loan I did not request. This is a Freedom of information violation. My home was illegally foreclosed on I know they were not the Secured Party to enforce any foreclosure against my property. I am seeking resolution to this unduly act. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   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

I am writing to dispute a transaction on my XXXX XXXX credit card account. 

What happened : To date, no action has been taken to correct this error, and the incorrect charge of [ {$1000.00} USD ] remains on my credit card statement. I have not received any communication from XXXX XXXX regarding the status of my dispute or the resolution process. 

I am exercising my rights as per the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : No consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate 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.

Given the fraudulent nature of this account and the breach of my identity, I kindly request the following actions : 1. An immediate investigation into the origin and validity of this account by XXXX XXXX. 
2. The removal of this inaccurate and unauthorized debt from my credit report.

3. A formal confirmation in writing that this debt has been removed from my credit history.

4. Any necessary legal actions to rectify the breach of my identity and to hold the responsible party, XXXX XXXX, accountable for their actions. 

I expect that this matter will be resolved promptly and in full accordance with the law. Failure to do so may result in further legal action to protect my rights and restore the accuracy of my credit report.