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

Hello, I'd like to request an appeal for claim # XXXX. 

The XXXX transfers in my Wells Fargo account are for my small business dividend payments. 

I own a lot of bank accounts and credit cards with other banks, so it's very hard for me to keep track of financial account activities. 

I would like to add some supporting documents for my claim so hopefully I will get my money back. The money I have lost is a lot for me and I can't afford to lose them. So I will do whatever it takes to get it back. Anyways, please see the attached files. 

As you can see, I have been targeted by some hackers/scammers online and they have been sending me unwanted suspicious messages and friend requests on XXXX since XXXX. I did click some links in the beginning thinking I won some giveaway event. However, it turned out to be a scam. It looks to me that somebody remotely got access to my phone or something when I clicked those links. I honestly don't know how he/she managed to do all that. Anyways, I learnt my lesson from it and today I got a new phone. It cost me a lot of money for that too. 

I've been under a lot of pressure because of XXXX and XXXX. So I'm having a lot of things going on in my life. It's very stressful and I even thought of suicide and I recently realized my money being stolen and now it's even more depressing. 

If you could help me get this money back, you are making a big difference in my life. Please help me. I beg of you. It's a lot of money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted, company information Transition. Please delete the following accounts : XXXX XXXX XXXX {$1900.00}, XXXX XXXX {$170.00}, XXXX BALANCE {$1400.00}, XXXX XXXX BALANCE {$3400.00}, XXXX BALANCE {$550.00}, XXXX XXXX BALANCE {$460.00}, XXXX XXXX  BALANCE {$1200.00}, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I did not open ANY of the following accounts. They are fraudulent. XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX  & XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writting to formally dispute the inaccurate information that appears on my XXXX credit report, I have found the following items to be incorrect. 
my name, last four digits of my societal security number, phone numbers, addresses, and accounts. 

Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX These accounts are all inaccurate accounts on my credit report they show the balance on these accounts is incorrect. 
I request that you thoroughly investigate this matter and update my credit report accordingly. i have enclosed supporting documentation to help clarify the situation including a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times closed accounts on my report I have called XXXX, transunion and XXXX about this violations and have repeatedly been ignored these credit bureaus continue to try to validate these debts with the original creditors and all three of these collection account was paid off and full with secondary agencies who bought the debt I have stated this many times and I did not give permissible purpose for all of these items on my report was also told for secondary creditors that if accounts was paid items would be removed off my reports
Product: Money transfer, virtual currency, or money service

Coinbase has my money and won't allow me to access it! These guys are crooks! They don't even have an address to contact! There was over XXXX in my account and they froze it! It won't allow me to withdraw or trade ... ALSO LOOK INTO OTHERS AS WELL! A LOT OF PEOPLE ARE HAVING THIS PROBLEM!
Product: Credit card

In XXXX of XXXX my financial advisor noticed a charge on my Wells Fargo XXXX statement from a company that I had never done business with. The name of that company was XXXX XXXX XXXX XXXX, out of XXXX AZ. At that point I did some research on the merchant to find out why they had charged my card, because I have no record of doing business with this company. They charged me {$3900.00} on XXXX/XXXX/XXXX. So I went on the internet and looked up their company info. I found a number for them and when they answered they answered the phone as In Compliance Services. I asked if I had the right number for XXXX XXXX XXXX and they said yes, it 's the parent company. Then I asked if they could provide me with a invoice for services rendered on my card on the date of XXXX/XXXX/XXXX, and why they would have charged me. They put me on hold and forwarded my call to another young lady who said she was in charge of billing. I explained to her that I had an erroneous charge on my card and that I 'd like to get some more information on what services they provided me and some paper work or an invoice for services rendered. She told me that she could not. At that point I called my Credit card company, Wells Fargo, with my financial advisor on XXXX/XXXX/XXXX. They told me that they have a {$0.00} fraud liability protection clause. I explained to them that I had no business with this company and was not sure how they got my information but I would like to file a fraud claim against this company. Wells Fargo filed the claim, however they denied my claim because they said since I paid my bill authorized the charge. They told me that I could file for reconsideration, so I did. However, they denied that claim as well.
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 XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My XXXX loan was sold without my consent to American Education Services. After paying the loan off in full the following month, AES proceeded to withdraw from my account. When emailing about this they assured me I 'd receive a refund by XXXX XXXX. When I did n't receive the funds I emailed again. After XXXX emails, I called and was told it refund was probably issued on the XX/XX/XXXX and it should be in my account any day now. I 've called a number of times now. On XXXX XXXX I had called once again ( a month after I was told my refund would be in my account ) and after 45 minutes of going transfers and no answers, they told me the refund was paid and that I needed to send them all of my bank statements to prove I did n't get that. I proceeded to ask for some sort of confirmation of that and they said they did n't do that. I was not willing to send my private financial information to a 3rd party who had been so difficult to deal with up until this point and asked to speak with a manager. The manager came on the line and within 5 minutes she was able to see that nothing was refunded and told me I should have my refund in 3-5 days. I had to call again yesterday as I still have not received my refund. They told me by Friday this time. Friday will be XXXX XXXX, I did my part and paid off my loans in XX/XX/XXXX. This " company '' seems like a giant scam and I do n't understand how its legal for them to keep my money but they charge me interest every second my loan was still active. Another side note about this company is that they wo n't give you the full name of who you are speaking to, only a first name and an employee ID number and when I referenced the manager 's ID number no one knew who I was talking about.
Product: Mortgage

In XX/XX/XXXX we subdivided the property creating two new properties with two new pan numb rd, different addresses, ... ... the deed was recorded for the new properties in XX/XX/XXXX. In XX/XX/XXXXmy loan was sold and that 's when the trouble started. Currently at the recorders office this bank has sold a XXXX loan to two different banks and I have a loan with them for XXXX. So anyone looking at my properties- it shows that I have somehow three different loans, on different properties. ... ... ..the XXXX XXXX XXXX has a loan of XXXX ... ... 
.The XXXX XXXX XXXX which is newly created parcel suddenly has two loans agains it from a different mortgager ... ... XXXX and XXXX XXXX XXXX for XXXX ... ... XXXX so somewhere these people that are selling my original loan are other stole XXXX ... ... ..or I just do not understand how come from only one loan that covered one property for XXXX now it looks like I owe XXXX XXXX dollars ... ... .so this bayview mortgage sold my loan to XXXX and XXXX XXXX XXXX ... ... ... so one address has bayview on it ... ... .and the other address has XXXX and XXXX XXXX XXXX on it ... ... ..different loans ... ... and I do n't know how to clear all these recordings that are being done against my two properties. I tried speaking with bayview and they finally sent me a letter last month saying ... oh your loan has been sold in XX/XX/XXXX... .. and they had 30 days to do it ... ... but never did it until this year ... ... ... they were aware when buying the loan from XXXX in XX/XX/XXXX that the property was subdivided and they were purchasing XXXX XXXX XXXX ... ... .and suddenly they went and recorded papers for a loan against my new property for XXXX when that money never exchanged hands ... ... ..so I need help ... ... ... ... .I am not getting any help from the bank ... ... ..I have been trying since XX/XX/XXXX to fix this ... ..than last year I paid an attorney and they took my money and never did anything ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$730.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have never dealt with this company but they keep sending email threatening to sue me in court and holding my ssn from the goverment
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXXXXXX XXXX XXXX Amounts. {$6400.00}, {$340.00}, XXXX
Product: Mortgage

Appeal was sent to lender : Not review  for HAMP lo an when application received by lender on  XXXX / XXXX / XXXX  but no decision made until  XXXX / XXXX / XXXX  - review of HAMP decision not defined or even mentioned.  <P/> Attaching denial we received fro  m Ocwen.
<P/>  Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio  n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
<P/>
The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss   mitigation options.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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: Checking or savings account

On XXXX XXXX i called vystar Credit union member service dept to send me a new debit card. agent XXXX ordered new debit card i was told in 10 business days. i waited 10 business days.the card never arrived i called the same member services phone number on XX/XX/XXXX i talked to agent XXXX cancelled the order for the card that never XXXX ordered new debit card.i was told 10business days.i waited again.today is XX/XX/XXXX the card still has not arrived. im requesting that the card be sent via XXXX
Product: Money transfer, virtual currency, or money service

I asked my manager to send me {$200.00} urgently as I had to pick up my car to be able to pick up my kids from school and he did send me {$200.00} on XX/XX/year> at XXXX XXXX  as per the bank of America sms sent to me but the funds were not available I called bank of America speaking with more than 6 agents lastly to a manager named XXXX with the id # XXXX who couldn't give me a reason why I can't access my funds meanwhile I was notified by bank of America via sms message that the amount of {$200.00} was received
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX  Credit Report, l noticed that on XX/XX/2017 an unknown hard inquiry was made by CBNA which l have no idea about it at all.
Product: Payday loan, title loan, or personal loan

Adverse action provided was " unable to Verify credit/application '' was told that it was not credit related but I can not locate the problem and Discover Financial Services will not help my determine what information needs to be verified.

No issues with the info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXX, XXXX WELLS FARGO XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..
Product: Mortgage

I have been paying my payments on time and reporting that I was late a few time when I was n't really date only for 2 days. How am 30 days late. Please have them remove the late payment which is affecting my credit score and personal life. 





















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Product: Debt collection

Hello these companies have hard inquiries on my credit report. I dont remember applying and I didnt get anything from these companies also no money, car, etc.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score.

Details of the Fraudulent Accounts : XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with XXXX, XXXX, and TransUnion regarding these inaccurate entries.

CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. 

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving Credit Report Issues Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report. 

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern. 

Specifically, I would like to outline the issues I am experiencing : XXXX. Numerous unauthorized inquiries that I did not authorize. 
XXXX. Variations of my name that do not accurately reflect my legal name. 
XXXX. Outdated addresses that should no longer be associated with my credit report. 

I believe that these errors XXXX be contributing to a negative impact on my XXXX XXXX and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries. 

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies. 

Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your guidance on how best to resolve these issues XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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, ca XXXX View prior addresses TransUnion XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX None Match