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

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX XXXX  XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$25000.00} XXXX XXXX  XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$7700.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Citi card was compromised. I called Citibank on Thanksgiving day XX/XX/19. Citibank refused to issue conditional credit or even send me a letter stating the amounts in dispute. They claim this is not the policy of their fraud department which is incredulous to me. This happened to me once before for a large number of small charges. I only received credit for roughly 1/2 of them after 3 months of calling them about it, I am not willing to do this again or pay for fraudulent transactions to my card. 

The amounts are : XXXX to XXXX XXXX XX/XX/19 XXXX to XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 TOTAL {$1200.00}
Product: Debt collection

Resurgent has failed to send me the contract agreement that have with them. I need the full account number the address at the time the account was opened and the date I opened and signed this account. I do not want a copy last letter commingling XXXX  XXXX and resurgent like its one company. I need to see the original documents.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA that all 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 fraudulent items. I am including the Identity theft report as well as proof. I was also impacted by the data breach.
Product: Credit reporting or other personal consumer reports

I have mailed letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo is the bank I chose in XXXX. I was a loyal customer to the company. I was proud to Bank with, I also wanted to build history with Wells Fargo.As years passed going from XXXX I noticed there was never any protection from overdraft fees .This would affect my finances because if my card was overdraft {$XXXX} for example it would immediately be taken once I would deposit my check or any funds. This always kept me in debt and short on funds when I needed to pay bills. I contacted Wells Fargo about the situation and nothing could be done or resolved that was their policy I was told. I truly was never able to do anything about this situation. The end result was Wells Fargo immediately closing my account and charged with a bill over {$XXXX} .Its not allot of money but when you work for minimum wage with XXXX kids it felt like pure XXXX. I became homeless in XXXX and lost my apartment with no place to live.
Product: Mortgage

I am trying to payoff my Home Equity Credit Line with Zions Bank. I am trying to get a fixed loan at another Financial Institution and I need a 30-day payoff so that I can get the fixed loan from the other XXXX. I called and spoke with Zions on XX/XX/2022 to inquire about the 30-day payoff. They game me instructions to email their loan department with the information needed for the 30-day payoff amount. They said this would only take 2-3 business days. I emailed them the required information the same day, on XX/XX/XXXX. I still have not received the payoff quote a week later. I called and asked for an update and spoke with a Zions Bank Loan specialist. They told me there was nobody working on my loan payoff amount and to resubmit the information. I did as they asked, and resubmitted the information they requested on XX/XX/2022. I am concerned that Zions is putting off my payoff request and interest rates are going up, which will cost me more money on the fixed rate I am applying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account 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
Product: Student loan

MOHELA was my loan service provider while I attended school at XXXX, XXXX XXXX XXXX XXXX. I received a {$5500.00} loan to help pay for school, and I paid off this loan in full before it started receiving interest on XX/XX/21. I have a screenshot of the payment confirmation from this exact date as clear evidence. MOHELA is now trying to charge me a student loan payment as if the loan had not been paid off. I need help
Product: Credit card

Dear CFPB, I am writing to formally file a complaint regarding Wells Fargo Bank 's inadequate handling of a dispute on my account. 

On XX/XX/year>, a transaction of {$41.00} appeared on my account from XXXX XXXX I contacted Wells Fargo to dispute this charge, as I do not recognize it. Despite providing all necessary details and evidence, Wells Fargo has failed to resolve the issue appropriately or communicate effectively about the status of my dispute. 

The bank 's handling of this matter has been disappointing, lacking transparency, urgency, and proper resolution. This has caused undue stress and inconvenience, as I rely on the integrity of my bank to safeguard my finances. 

I am requesting CFPBs assistance in addressing this matter. I expect Wells Fargo to provide a thorough investigation of the transaction, issue a refund if deemed unauthorized, and ensure better handling of customer disputes moving forward. 

Attached are relevant documents, including the transaction details. I appreciate your attention to this issue and look forward to your assistance. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

XX/XX/20XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, stems from the result of XXXX. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX ( Original Creditor : XXXX  ) XXXX $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

On purchasing online through the Costco website there are multiple advertisements touting the benefits and extended warranty when purchasing using the Citi card. There are multiple enticements to apply immediately and no mention of not being able to utilize the card after being immediately approved. When I called in and spoke to XXXX I am told I will have to go to Costco to use my approval. When I asked for a solution to my problem of purchasing and completing the application online and not XXXX 's fictional issue of me being in the store she had none. I demanded she immediately close the account, which she refused. I was not able to use any of the benefits during the checkout process with nothing addressing this in the terms and conditions.
Product: Mortgage

I was divorced XXXX 2014. Because of my divorce, I suffered financial hardship. I applied for a loan modification. As part of the loan modification process, I submitted my divorce decree, copy of my quit claim deed, and supporting income to show I qualified for the loan. I was approved for an FHA HAMP Modification Loan with ONLY my signature. The divorce decree stated that I would need to have my ex-husband 's name removed from the loan. I was told by the lender that after the modification was finalized then I could fill out the appropriate paperwork to assume the loan. Now, I am being told by the lender that I do not qualify for the assumption because of my " poor credit with them ''. I have poor credit with them because they told me that I would have to be 3 months behind on my mortgage to qualify. Since that time, I have met all the partial and trial payments that they have requested. I am the ONLY one that is paying this mortgage. If I do not get an assumption, then I will be forced to sell the house ( per court order - which the lender had prior to approval of modification ) or I will be in contempt of court. Since I ca n't sell the house for the amount that I owe, then both the government that secured the modification and myself will end up with a loss. The only one that will benefit is the lender. I am not trying to pass on my hardship/modified terms to someone else. I just want to have my ex-husband 's name removed from the loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Experian, and XXXX for numerous violations of the Fair Credit Reporting Act ( FCRA ) and related laws, as well as their mishandling of my personal and business information, which has caused significant financial and emotional harm. These violations stem from the following : Reporting Fraudulent Accounts and Inquiries : My personal and business information ( associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was used to create fraudulent accounts and generate unauthorized credit inquiries. These accounts and inquiries appear on my credit reports despite multiple disputes and clear evidence of identity theft. 

Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in credit reports. 
15 U.S.C. 1681b : Prohibition against accessing consumer reports without permissible purpose. 
Failure to Conduct Reasonable Investigations : Despite my submission of disputes and supporting documentation, including an FTC Identity Theft Report ( # XXXX ), the CRAs failed to conduct reasonable reinvestigations of disputed accounts and inquiries. These failures have prolonged the reporting of inaccurate and harmful information. 

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) : Requirement to reinvestigate disputed information. 
15 U.S.C. 1681s-2 ( b ) : Furnishers ' obligation to investigate and report accurate information. 
Negligence in Safeguarding Consumer Data : My personal and business information was exposed in significant data breaches involving XXXX, Experian, and XXXX XXXX XXXX. These breaches directly facilitated the fraudulent activities that have affected my credit profile. 

Violations : 15 U.S.C. 1681e ( b ) : Requirement to protect consumer data accuracy and security. 
12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibition of unfair practices under the Consumer Financial Protection Act ( CFPA ). 
Relevant Case Law : CFPB v. XXXX ( XXXX ) : {$700.00} XXXX settlement for systemic failures in protecting consumer data. 
Failure to Block Fraudulent Accounts and Inquiries : I submitted valid documentation under 15 U.S.C. 1681c-2, including the FTC Identity Theft Report and police reports, requesting that the CRAs block fraudulent accounts and inquiries. These requests were ignored, violating my rights under the FCRA. 

Violations : 15 U.S.C. 1681c-2 : Requirement to block fraudulent information upon receiving proper notice of identity theft. 
Improper Use and Reporting of My Credit Information : The CRAs failed to ensure that furnishers provided adequate validation before reporting accounts. In some cases, unauthorized entities accessed my credit reports without my consent or legitimate purpose. 

Violations : 15 U.S.C. 1681b ( f ) : Prohibition of unauthorized use of credit reports. 
15 U.S.C. 1681m ( e ) : Duties regarding address discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX and Transunion. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider XXXX XXXX XXXX XXXX, Lexus nexus. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.
Product: Mortgage

This compliant has two issues.
1 ) Loan open on XX/XX/XXXX On XX/XX/XXXX a regular payment was made totaling {$1100.00} of which XXXX principal XXXX was interest and XXXX was escrow. 

on XX/XX/XXXX a regular payment was made totaling XXXX of which XXXX principal XXXX was interest and XXXX was escrow. 

Question I. why was interest XXXX on XX/XX/XXXX when as of XX/XX/XXXX interest was paid up. Between XX/XX/XXXX and XX/XX/XXXX should only be 3 days interest. 

On XX/XX/XXXX I went on BI-weekly payments. There is a {$200.00} charge to start Bi-weekly payments and an additional {$7.00} charge per payment. I was told the charges results from the the payments being manually processed. 

Question 2. Despite payment withdrawal be made time all payments are posted on the 10 or last day before late charges. This allows the mortgate company to collect 10 days interest despite have the payment in hand. This has been happening the last 6 monthes.
Product: Bank account or service

I required to file charging complaint against U.S. Bank into XXXX, Oregon because of they do not accept me with U.S. Bank checking account/debit because of Overdraft Record History with XXXX XXXX XXXX. I file complaint against U.S. Bank refused serve with me in opening account for personal checking and debit, included credit card because of Overdraft Record History and discriminates against me with deaf/hearing-impaired customer, appearances, and other source in U.S. Bank account, right now that I do not have any U.S.Bank account. I was not happy with U.S. Bank new account for me to use this credit/debit/check account because of bad records with credit record discrimination against me, and overdraft discrimination as well as service complaint package. 
Sent to U.S. Senators : ( finished )
Product: Money transfer, virtual currency, or money service

Hi, I signed in : https : //www.coinbase.com/ in this month, all fine, i put pays methods and i bought a lot of money in XXXX, around {$3500.00} mxn, and then, today i tried to extract my money and i can't because XXXX says that my account is restricted ( without any reason ), and for that reason i can't add a withdrawal method. 

i tried to contact coinbase without success, i looked for information in internet and i applied some " Methods '' to fix the problem and unsuccessful, and for that reason i'm here.
Product: Debt collection

Mercedes Benz Finance This letter serves as a formal notice regarding the inaccurate reporting of the above-referenced account on my credit report. It has come to my attention that this account has been reported as a charge-off, yet it continues to reflect a balance. This inconsistency violates my rights under federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692.

According to the FCRA, only accurate, complete, and verifiable information may be reported on a consumers credit file. Reporting this account as a charge-off while simultaneously listing a balance is both misleading and damaging to my credit score. Furthermore, this may constitute an unfair and deceptive practice, as a charge-off is considered a loss to the creditor and should not be simultaneously
reported as outstanding debt.

Additionally, I have never received a 1099-C form to account for this debt as income, which raises further concerns about the legal and procedural handling of this account. If the debt has been charged off and forgiven, as reported, it can not legally remain as a balance affecting my credit report. Income from charge-offs is not to be reported on my credit file, as it misrepresents my financial obligations.

I demand the following actions be taken immediately : Reinvestigate and correct the reporting of this account to reflect accurate and lawful information. 
Provide all documentation and verification, including original account agreements, statements, and correspondence, demonstrating the validity of the balance and charge-off status. 
Explain why a balance is still reported if the account is noted as a charge-off. 
Permanently delete this account from my credit report if the information can not be fully verified or corrected. 
Please treat this letter as a formal request under 15 USC 1692c, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable federal laws. Continued inaccurate reporting and failure to address these concerns will be considered a violation of my consumer rights, and I will pursue all necessary legal remedies. 

I expect your agency to resolve this matter and provide me with written confirmation of your findings and actions within receipt of this letter. 

Thank you for your immediate attention to this matter. Should you have any questions or require further details, I am reachable at the contact information provided below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, I have been in contact with Equifax regarding a series of fraudulent accounts being opened, or attempted to be opened, in my name. Five of the fraudulent accounts were opened under XXXX XXXX through a series of in-store credit lines such as XXXX or XXXX XXXX. The sixth was from XXXX. 

I requested the removal of one of the accounts and it was deleted on XX/XX/XXXX. The dispute was filed on XX/XX/XXXX. I also requested the removal of another fraudulent account on XX/XX/XXXX. This item was not removed, despite my notification to Equifax that I have not opened any new credit accounts in the past two years. I had also requested a security freeze and fraud alert to be placed on my account, though these were apparently ineffective in stopping further credit accounts from being opened in my name.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.