23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXX XXXX 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 ), an insurance policy with XXXX XXXX XXXX, Dept of Education/ XXXX XXXX and XXXXXXXX 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX XXXX  XXXX XXXX block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed an account on my credit report i immediately contacted all parties and the three credit bureaus XXXX fixed the error but TransUnion and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX XXXX  - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXXXXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX  - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to have Transunion freeze my credit given the recent theft of all Americans ' social security numbers. The portal failed to process the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Transunion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 

On XX/XX/year>, I mailed a letter to Transunion ( USPS certified mail tracking number XXXX ). However, Transunion refused to conduct an investigation. On XX/XX/year>, I received a letter from Transunion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the completeness or accuracy of the information in their credit file, the credit bureau must conduct a reasonable reinvestigation to verify the information. Transunions failure to fulfill this obligation is a direct violation of the FCRA.
Product: Credit card

To whom it may concern : I received something in the mail & tossed it aside b/c I thought it was an advert. This occurred several times. I opened the last & saw they were looking to collect on an account I never authorized. Then I noticed something in my spam from this XXXX Credit Card. They approved a {$1500.00} credit to me. Very generous, thanks so much. 
I have never applied or received the credit card, so I haven't used it. When I called the # on the invoice I was advised to contact here b/c I am disputing a balance of {$100.00} in interest & what ever charges they are trying to get. 
Any & all help in resolving this is appreciated. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns about Zelle 's management of disputes, especially in light of the recent lawsuit by the CFPB that reveals significant problems with the platform. Despite my frequent use of Zelle and my reports of discrepancies, both my financial institution and Zelle have inadequately investigated my claims. They have communicated that recovering lost funds is impossible and that tracking these transactions is not feasible. The findings from the CFPB suggest that Zelle has not only failed to safeguard consumers but has also permitted repeat offenders to take advantage of the system, thereby exposing users to scams. This lack of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Bank account or service

I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.
Product: Debt collection

Sent Transworld Sys Inc. a letter after discussing the matter with XXXX at TSI XXXX XXXX ). It is not my debt, someone with same name but clearly younger than me and a different Social Security Number. They replied to my letter of XXXX 2016 saying that it was unclear if I owed this or not so it could not be removed. I viewed my free credit report early this year so I can not access the report to contest the claim.
Product: Credit reporting or other personal consumer reports

There is a fraudulent name appearing in my Credit Report that is not me & I believe it was used to open an account which is not mine. The fraudulent name is XXXX XXXX. The fraudulent account opened is XXXX XXXX XXXX with a date opened of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of addresses on my credit report that are not associated with me. From reviewing credit report ( Report Number : XXXX ), the addresses in question are XXXX XXXX XXXX XXXX UNIT XXXX, XXXX XXXX NV XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX
Product: Debt collection

Coast To Coast Financial Opened XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Coast To Coast Financial Opened XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, FL XXXX
Product: Debt collection

Hi this debt on my XXXX report from valley empire collections is innacurately reporting negatively on my credit report. This debt has not been validated I have not received one notice nor any proof or disclosures of this debt. It is in the amount of XXXX and acct number showing is XXXX
Product: Mortgage

I started an application for a refinance of a loan with Rocket Mortgage around the first of XX/XX/XXXX. They ran credit I paid for the home appraisal and they said it should close at the end of XXXX. They then asked me to prove I am still in business. I provided two bank statements 3 weeks apart. Now it is XXXX and about the third week of XXXX they told me they had to run another credit check. I have been in business since XXXX. Why would I refinance with the same company only to default??? 

Now it is XXXX. They took my credit from an excellent XXXX to XXXX after they ran the credit, my report said too many credit requests ... .They made me look like I am trying to get money all over town. 

I don't know about you but my credit rating is very important to me and after that happened I told the processor I am done with this process ... too long to wait. It was the end of XXXX at that time. I also think the closing costs out weigh the cost per month benefit and now I have neither .... just a black eye for my credit
Product: Credit reporting or other personal consumer reports

Despite me being a victim of identity theft and notifying XXXX XXXX the creditor has not remove and stop reporting unauthorized and fraudulent charges from my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, Which violates the Consumer Finacial Protection Act ( XXXX ) XXXX XXXX failed to take timely and effective measures to prevent and address fraud across their platform, leaving my account vulnerable and unprotected. 
Their process to dispute resolutions was unfair and deceptive as they do not comply with Error Resolution requirements under the Electronic Fund Transfer Act and Regulations E. This has cause a grave inconvenience and financial hardship and lm seeking the appropriate help to hold them accountable.
Product: Checking or savings account

I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan. 

I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number. 

I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX. 

Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them. 

XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX. 

You stated you are able to access my transactions from XXXX through XXXX. I need my information.
Product: Credit reporting or other personal consumer reports

There are 11 inquires listed on my credit report that I did not authorize. This is adversely effecting my credit. One of my cards was used by fraud and I had to cancel the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been reported to credit bureaus without my verbal or written consent. The United States Bankruptcy XXXXXXXX XXXX XXXXs does not report bankruptcies to credit bureaus. This action is a violation of 15 USC 168 a, 15 USC 1681 n, and 15 USC 1692 g.
Product: Debt collection

XXXX XXXX XXXX contacted me today from a random number that was XXXX ( yes, only a 5 digit number ). They first lied on my vmail and said they were from the XXXX department of verification and were looking for me ( they used my maiden name ). They not only called me but they called my husband and my mother in law. I have no idea how they obtained the phones numbers for my mother in law and husband. They left messages on my vmail as well as my husband and my mother in laws threatening to sue me for a debt. I called the number left on the vmail and spoke with a representative who advised me that I was in the process of being sued for an interest on a credit that was opened in XX/XX/XXXX and last payment recieved was inXXXX. They said they sent me paperwork but I never received it because it was sent to an address that I haven't lived in for over 5 years. I honestly don't know if they truly sent me paperwork.They said I had until close of business to pay or they would pursue the lawsuit. I feel like i was mislead by the company because after recieving an email from them my name was spelled wrong and when the lady verified my dob the day of my birthday was incorrect, also after I research the presumed debt was I found out that the debt was out of the statue of limitations for my state. I felt threaten that I wld be sued, liens wld be placed on my house and car, my bank account wld be garnished as well as my wages. They also threatened to serve papers to my employer. I feel like my rights as a consumer were taken advantage of because of the threats. I felt that I was forced to pay for a debt that I dont even think I was truly legally liable to pay for.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are hard inquiries on my credit report that do not permissible purpose would like these inquiries removed. 

XXXX. XXXX ( Bank ) XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXX  ( Bank ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

First of all this debt was re- aged and claims to be active as of XX/XX/XXXX, which is not true. At the time this debt occurred I lived at another address and it was initiated in XXXX. This debt was included and XXXX in my Chapter XXXX Bankruptcy filing in XXXX. National Credit Adjusters refuses to remove this dispute from my credit file knowing the debt has been re-aged and that it was included in my Chapter XXXX Bankruptcy filing along with other debts. A copy of my credit report was accessed to initiate the filing of debts to be included in the case. The amount of the debt is said to be {$460.00}. I am currently trying to get this debt removed from my XXXX  Credit Report and have been unsuccessful in getting the matter resolved.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have been identified on my credit report. I request that these accounts and inquiries be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a HELOC with Union Bank. I have set up autopay for the minimum payment due to UnionBank. On XX/XX/2020 and XX/XX/2020 I submitted checks to Union Bank, and clearly wrote on the checks and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' As has happened in the past Union Bank refuses to apply my payment as extra to principal. 

On XX/XX/2020 they applied my extra to principal payment of {$100.00} as if it were a regular monthly payment and prepaid interest and some principal. And then without my authorization, they reduced the amount of my autopay from {$430.00} to {$330.00}. 

On XX/XX/2020 I sent another {$100.00} check and clearly wrote on the check and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' This time Union Bank rejected my payment and sent a letter to me saying they returned the check. When I called customer service they said they did not know what to do with the check so they returned it. 

I had previously called customer serviced and requested they re-apply my {$100.00} payment of XX/XX/XXXX to principal. They have not done so and now when I call it is no longer and option.I asked that the ycorrect the autopay and return it to the amount I authorized, whichis the minimum/ regular monthly payment in the amount of {$430.00}. 
They said they would research the matter and when they called me back they said if I want to pay extra to principal I must wait 3 days after the autopay is posted, but not to wait too long, or the payment will be applied as a regular payment. I found no matter when I mail the extra to principal payment they post it incorrectly and always in their favor. Union Bank gave no solution to reallocate the {$200.00} I mailed in to be applied as extra to principal. They are lenders but do not know how to apply payments, I find that hard to believe. In addition, years ago I tried to pay extra to principal many times and they refused to post it correctly and did the same thing - prepaid interest instead of paying extra to principal. I spent hours on the phone and I finally gave up on making said extra to principal payments. Today, XX/XX/2020 I asked for a supervisor to discuss a resolution and they said my call would not be taken/they don't take calls.