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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - 1997 Employer - NOT PROVIDED Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX PORTFOLIO RECOV XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

I HAVE XXXX TAKEN OUT OF MY ACCOUNT THEN THEY SAY THE FEE GETS WAIVED WHEN IN TURN IT DOESNT. I HAVE LOOKED OVER MY STATEMENTS WHERE IS IT
Product: Student loan

I've been calling since XXXX to be placed on 2 hour holds. I can't hold for 2 hours so I choose to email. Their site says a response in 3 days that was over 10 days ago. My last email was again today. I am getting no help getting on the right plan or questions answered about public service forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. Transunion, XXXX  and XXXX. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.
Product: Money transfer, virtual currency, or money service

Initial set up of system didnt have customers account safeguards
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/2020 went online to obtain a tax id for my XXXX. THe first site I saw was XXXX XXXX XXXX. It appears to look like a legit irs site. I put in my company information. They charged me XXXX for a tax id number that they said would be emailed to me. In the meantime, I was online and noticed that IRS does not charge for a tax id number and was going to call bank to have it stopped but then someone from XXXX XXXX  called me. I was livid at this time and told them I thought their company was misleading consumers, that I did not want their service, that I was not paying them and I wanted to speak with a supervisor. THey put me on hold and after about 20 minutes, I was disconnected. At that time, I contacted the bank who said they would investigate. I just received a letter from the bank, stating they deemed the transaction legit and are now, at this time during the coronavirus outbreak no less, recharging my account {$240.00} in 3 days for something I never received. It also took me 2 days to get through to the bank and the and are not helping either. The point is I never received a tax id from XXXX XXXX XXXX and just want the bank to not process the charge which I tried to convey with them this morning to no avail Here are the facts : I went on this site that looks like an IRS site and paid {$240.00} for something I never received. There is no disclosure on the terms and policy page of XXXX XXXX XXXX that they are not part of the IRS. 
I told XXXX XXXX XXXX I did not want the service, wasn't going to pay for it, and never received it. 
The Bank, TD, could show me no documentation that I received the tax id via email so how they said this was deemed valid, I am not sure. 
The outcome is that I received a tax id number free from the government site. I did not receive a tax id from XXXX XXXX XXXX. 
I would like TD bank not to take this money from my account tomorrow. This XXXX XXXX XXXX  is clearly misleading, there is nothing to disclose to the public that they are not part of the IRS and non suspecting consumer would clearly think they were legit. TD Bank should be able to protect their clients better especially when a product has not been received regardless how misleading XXXX XXXX XXXX  is being with the public. 

Please let me know if you can help. 
THank you XXXX
Product: Checking or savings account

My name is XXXX XXXX and I have a business account XXXX XXXX XXXX with XXXX account number is XXXX. 
I had multiple fraud transactions on my account : On XX/XX/XXXX I had a fraud charge by XXXX under XXXX XXXX ( according to my Chase account ) for the amount of {$480.00}. XX/XX/XXXX {$4500.00} XXXX by XXXX XXXX XX/XX/XXXX XXXX  by XXXX XXXX XX/XX/XXXX to XXXX XXXX  by XXXX XXXX XXXX for the amount of $ XXXX XXXX XXXX by XXXX XXXX for the amount of {$2900.00} XX/XX/XXXX XXXX by XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX under XXXX XXXX for the amount of {$4500.00}. I was traveling in the past month and had limited access to this account, even than I was able to stop some pending fraud transactions and I called Chase right away. In between my travels out of the country I landed on XX/XX/XXXX at night before flying again on XX/XX/XXXX and arrived right away on XX/XX/XXXX to a Chase branch and requested to close this account immediately and to open a new account to avoid future Fraud transactions of the same kind on this account. I am going to the police to file a police report for those individuals as well. 
The following transactions were also disputed but Chase has decided to close those claims and to not issue my a refund eventhough they are fraud charges : XX/XX/XXXX XXXX by XXXX XXXX for the amount of {$6000.00} XX/XX/XXXX XXXX by XXXX XXXX for the amount of {$560.00} I don't know any of those individuals and do not recognize any of those transactions. Those transactions were not done by me or anyone on my behalf or with my permission. It's all Fraud transactions that were done as part of someone hacking my account and using it wrongfully without my premission. 
I was asking them to open the closed claims again and perform a proper investigation and they stated I need to approach the credit card companies that refused to send me any documents claiming I am not their client. I see the names of the individuals charging my account on my Chase account
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report that is a result of the XXXX  XXXX data breach. The account in question is listed as XXXX XXXX XXXX, account number XXXX. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I request that you remove this account from my credit report immediately as it is the result of identity theft stemming from the Equifax breach. As per the law, I am entitled to have this account removed within four ( 4 ) days of my dispute. 
Please consider this letter to be my official request for action, and I would appreciate confirmation of the account 's removal from my credit report as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXXL ) XXXX Balance : {$570.00} ; XXXX XXXXXXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Mortgage

I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable.
Product: Student loan

I contacted XXXX XXXX/XXXX XXXX XXXX  to have the cosignor released from my loan. They said after 36 consecutive payments that I could do this. I filled out the form and sent it back. I received an email stating it was denied due to I didn't make 36 consecutive payments. I emailed them Back and they said they made a mistake. Then they told me I had to resubmit a release form again as I forgot to check off that I am a us citizen which I told them I was. I thought that being denied for only that reason and they were wrong that they can't deny me for any other reason. I feel like they are just giving me the run around. Please let me know if they are wrong in making me reapply for the cosignor release?

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX XXXX
Product: Checking or savings account

I reached out to chime customer service for assistance with a fraudulent transaction on my account that was unauthorized on XX/XX/2023 for the amount of XXXX and XXXX I advised chime of this and did not have possession of my debit card during the time of these transactions. Chime did an investigation they proceeded to tell me that they were not going to refund me for these fraudulent transactions and the fraudster was able to escape with my money without receiving a refund in which I am entitled to due to it being a fraudulent transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, PNC BANK add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a collection account from PORTFOLIO RECOVERY ASSOCIATES on my credit report with XXXX. This account, allegedly associated with the original creditor TXXXX XXXX XXXX XXXX is entirely fraudulent and erroneous. I have never had any financial relationship or account with XXXX XXXX XXXX XXXX that could validate the {$1000.00} balance reported by PORTFOLIO RECOVERY ASSOCIATES. Fully dispute this entire collection by PORTFOLIO RECOVERY ASSOCIATES being reported and the XX/XX/year>, updated balance, all transaction history, and account activities. The collection account lists a balance of {$1000.00}, which is entirely baseless, as there is no corresponding charge-off, closed, or open account on my credit report that could justify this balance. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. The presence of this inaccurate information on my credit report constitutes a direct violation of this statute. Furthermore, 15 U.S.C. 1681i ( a ) mandates that upon notice of a dispute, the consumer reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate. Given that this account is not mine and has no factual basis, its continued presence on my credit report represents a willful disregard for these legal obligations. Additionally, under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to use any false, deceptive, or misleading representation in connection with the collection of any debt. PORTFOLIO RECOVERY ASSOCIATES ' reporting of this account constitutes a violation of this provision. The fact that this inaccurate information is still on my credit report also raises concerns under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to promptly correct and update inaccurate information they have provided to credit reporting agencies. By failing to correct this erroneous information, both the furnisher and the credit reporting agency are in violation of the law. Furthermore, 15 U.S.C. 1681n and 1681o allow for civil liability in cases where there has been a willful or negligent noncompliance with the FCRA. This includes the possibility of recovering damages for actual harm, statutory damages, and even punitive damages in cases of willful violations. I demand the immediate deletion of this inaccurate and unverifiable account from my credit report, as required by law. The continued reporting of this false information is not only illegal but damaging to my credit standing. I expect confirmation of the removal of this erroneous account immediately, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please consider this dispute urgent and address it with the seriousness it demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests XX/XX/2021 CERTIFIED to Experian, XXXX and XXXX 1to investigate the negative accounts on my credit report and they have yet to respond. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$370000.00}
Product: Checking or savings account

I am requesting help for an existing complaint ( XXXX ) which was closed on XX/XX/XXXX. The original complaint is as follows : I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. I have contacted Comenity on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after 6 plus months, XXXX has been unable to retrieve my payment from Comenity. Comenity also told me that I had no way of contacting directly their dispute center... very odd I thought. XXXX has verified that Comenity did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX  account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My XXXX checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX card in XXXX was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( we have since moved to XXXXXXXX XXXX  ) Please let me know if you require any further information. Thanks in advance for the help! 


That complaint was closed on XX/XX/XXXX when Comenity responded : Company 's Response Weve located the payment and an electronic refund will be issued for {$3700.00}. The electronic refund should be deposited into the bank account within 10 business days. 

MONETARY RELIEF AMOUNT {$3700.00} However as of XX/XX/XXXX ( over the 10 business days promised ) I STILL have not received the electronic refund into my XXXX checking account.. I have contacted Comenity by phone and but they still have no record of my old XXXX card account or of the electronic payment referenced in their response to my original complaint. Any assistance will be greatly appreciated.
Product: Checking or savings account

On XX/XX/XXXX, I made agreed to a debit transaction for {$910.00} to XXXX XXXX, a clothing store in XXXX XXXX, NV. Unfortunately, the clothes were never delivered to my hands. I waited extensively 2-3 hours beyond the agreed time and still did not have the clothes in hand. I requested the merchant to refund the order on XX/XX/XXXX. The merchant executed the refund on XX/XX/XXXX. 

Thirty days later, I am again charged {$910.00} for the same order according to the merchant. I have never received the product. I requested the Merchant to credit the amount back. The merchant never returned the funds to the account. 

On XX/XX/XXXX, I have finished compiling my account information for taxes and discover that the funds have never been credited to the account. I initiate a claim with my bank Wells Fargo Bank. On XX/XX/XXXX, I receive an email that the account will not be credited and the dispute is closed. I call Wells Fargo Claims on XX/XX/XXXX, after the explanation of the dispute request being over 6 months old they can not get my money back and direct me to work with the Merchant, XXXX XXXX I inform them of my efforts and ask to speak with a supervisor. I am then transferred to XXXX, a claims supervisor. XXXX takes the time to evaluate the VISA transactions to corroborate my situation. After VISA corroborates my story, XXXX informs me that the corporate policy is to not refund anything older than 120 days. I ask him to evaluate this as Fraud because the merchant continues to charge me 30 days after a refund. He says he can not. I ask for contact with a corporate executive to hear my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of the recent data breach and to formally request that the following accounts, associated with my personal information, be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. 
The affected accounts are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$380.00} Account Name : XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Balance : {$520.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$410.00} As a result of the breach involving my personal information, I request that these accounts be immediately blocked and deleted from your records to prevent any further unauthorized use or activity, in full compliance with 15 USC 1681c-2 ( a ).

Please confirm receipt of this letter and provide written confirmation once these actions have been taken. Should you require any additional information or documentation to process my request, I am available via the contact details above.