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

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents. 
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, TransUnion must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App has allowed my personal information to be used for fraudulent accounts, transactions, and transfers. I have contacted the company multiple times to report this issue without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my all three of my credit bureau 's. My XXXX Credit Report was fine. My XXXX Credit Report was fine. But my Equifax Credit Report showed that there was an auto loan from a credit union located in Tennessee reporting negatively on my Equifax Credit Report. I've never lived in Tennessee before, never visited Tennessee, nor have I ever wanted to visit or live in Tennessee. I'm born and raised in California. XXXX XXXX to be exact. 
My personal information was leaked from Equifax 's breach, which is how this person obtained my personal information in order to obtain my personal information. 
Below is the auto loan information from XXXX XXXX XXXX XXXX reporting negatively on my Equifax Credit Report, which is currently negatively impacting only my Equifax Credit Report that I would like to have permanently deleted : 1. XXXX XXXX XXXX. - Amount : {$95000.00}
Product: Checking or savings account

I sent the following message to Wells Fargo CEO XXXX on XXXX. 
They replied with a boilerplate response that did not address the issue. 
I've already purchased the CDs at XXXX so I'm not seeking relief. 
I am asking that they change their practices and give customers a fair deal. 
++++++++++++++++++++++++++++++++++++++++++++++++ After all of the hearings, bad publicity and fines, I thought your company pledged to treat customers fairly and stop taking advantage of them. 

Your bank is offering 0.05 % interest on a 9 month Special Fixed Rate CD at Wellsfargo.com. 
Nine month Wells Fargo CDs with a coupon of 3.15 % are available at both XXXX XXXX XXXX today. 

Why not offer the fair market rate to banking customers like me?
Product: Checking or savings account

XXXX some of my Zelle XXXX did not come out and they were taken out late and I still have Zelle XXXX pending but the money is not on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to all XXXX credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX  a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.
Product: Checking or savings account

On XX/XX/2024 at XXXX I attempted to pull money out of an XXXX XXXX terminal # XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX for the sum of {$300.00} There was an error which I have confirmed with XXXX and my money wasnt dispensed.XXXX ATM directed me to contact my financial institution which is CHIME ONLINE BANKING under XXXX XXXX. I contacted CHIME immediately and was told I had to wait for the transaction to process befor filing a dispute. In the meantime I contacted XXXX ( XXXX ) and spoke with a representative and verified the error. Transaction cleared on XX/XX/2024 and I called CHIME and filed the dispute around XXXX MT. I woke up on XX/XX/2024 to a denied dispute. I called CHIME and they told me that no errors were found on their end and that I was denied dispute. I REQUESTED the documents they used in the investigation like it said I could in the email on XX/XX/2024 and was told it would take 10 days to get. XXXX has told me that as soon as I get the paperwork showing why they denied my dispute they can escalate it on my end and refund my money. Today on XX/XX/2024 I still have not received documents. I called CHIME again and was told that documents were sent on XX/XX/2024 to email listed on account. I did not receive email and asked for them to resend it. I have gotten every email from them including advertisements yet this email I havent received. I believe they are lying to me and are not doing their job. They told me they could not resend the email that I would have to put in another request that will take up to another 10 days. XXXX as informed me that CHIME has been a huge issue regarding these types of claims and that this happens all the time I am late on rent and could possibly get an eviction notice if problem isnt resolved and when I explained that to CHIME they told me the same scripted lines. I asked to speak to a supervisor and they told me the same scripted lines as well. I have called multiple times with no help.. I feel they are avoiding this situation and keeping my money CHIME has caused me a financial XXXX
Product: Bank account or service

XXXXDear sirI would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX
Product: Credit card or prepaid card

I opened a Citibank thank you premier card in XXXX XXXX. My whole experience with the card has been polluted with numerous instances where my card goes under review, I call up to resolve the situation, then it goes under review once again. Often this secondary review happens within hours after clearing the card. And each time, I have to spend hours on the phone to resolve the situation. This has happened almost weekly for the past XXXX months. When I call them they make promises that theyll call me back within XXXX2 business days. To no ones surprise, that call never comes, and I have to reach out to them again, only to have the same promises made, and the cycle continues. A little more than a week ago, I spoke to a supervisor who assured me that the issues are resolved and that this wont happen again. Foolishly, I believed the supervisor. To his credit, the card didnt go under review again until a week later, the longest time the card had not been under review between reviews. Alas, however, the review came. And after spending XXXX5 hours of phone time ( mostly in hold ) with them today, holding my XXXX so I wouldnt lose service in the bathroom, I am sitting here with promises of a call back that will surely be broken once again. This is beyond frustrating at this point. And I have not even been able to use my card so I may not be able to hit my minimum spend amount required to take advantage of their sign up rewards bonus. Speaking of which, I did not receive my thank you points for the second month of spending until I had to call the thank you points line to have them adjust it. I imagine that this hold is the reason for it. I anticipate that being the case with this month, once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : JPMCB Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

Heres a professional dispute letter tailored to your situation for submission on the CFPB website : Subject : Dispute of Unauthorized Account on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized account that appears on my credit report. My name is XXXX XXXX, and the account in question was created with XXXX on XX/XX/year>, with an outstanding balance of {$380.00}. 

I did not create this account. My personal information was compromised in a data breach, and I believe this account was fraudulently opened using my stolen information. 

Here are the details of the account for reference : Creditor Name : Target Account Number : XXXX Date Opened : XX/XX/year> Disputed Amount : {$380.00} I request that the CFPB investigate this matter thoroughly and facilitate the removal of this account from my credit report. Enclosed with this dispute, I am providing the following documentation to support my claim : 1. A copy of my government-issued ID.

2. A copy of my credit report highlighting the unauthorized account.

3. Documentation of the data breach, if available.

Please inform me of the next steps in the investigation process. I am committed to providing any additional information or documentation needed to resolve this matter. I appreciate your prompt attention to this dispute and look forward to your response. 

Thank you. 

Sincerely, XXXX XXXX
Product: Student loan

I attended XXXX University XXXX XXXX XXXX. They are part of the XXXX system. I still owe about $ XXXX and I didn't graduate from the school.
Product: Checking or savings account

Last year I'm my checking my account with hsbc there was a mobile deposit into my checking account. They froze my account Becuase the check was in my soon to be wife 's name and she depositing into my account by accident and they froze the account the check was little over XXXX XXXX dollars and that been almost a yr ago... i have contacted hsbc multiple times and they treaty me like I'm some kind theft and have explained to them what happen but they don't listen I've sent everything they asked me to for me and her to prove our identity and they refuse to give my accont back the check has been cleared and cashed and they frozen my account .. they should never cashed it because I didn't sign it she signed it again she thought it was her account but the auto login on phones switchedbot and she didn't realize it. I live in XXXX and the bank is in XXXX tomorrow morning me and her are taken a trip to drive to XXXX to go decuss this with back but it like they want keep money that not there's there really stealing from us because they have no grounds to keep this momey..money... So I the account owner and her the owner of the check that was deposited are both going to bank for Tues morning and request her money out my account please help this is n ot right to be treatedbthisnwas please help thabk you for your time and help I look forward to hearing from you soon my ph number is XXXX XXXX XXXX and my email is XXXX my name is XXXX XXXX XXXX thank you
Product: Checking or savings account

went to use my atm card and was denied went to bank and said they closed the account .i asked why no one knows i have little over {$600.00} in my account and i can not take it out i had this account for monts never had a problem .they closed the account so i need my money thank u XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found out a XXXX XXXX  XXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Product: Debt collection

My Name is XXXX XXXX XXXX XXXX. The account is for XXXX XXXX XXXX. I turned XXXX in XXXX well after this account was opened. I am not responsible for this Debt. all they can prove is that my address is the same. I was never at that address
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding Westlake Financial Services, which has reported an alleged debt of {$4800.00} on my credit report. I have no knowledge of this debt, have never had any relationship with Westlake Financial Services, and have not entered into any contractual agreements with this company or the original creditor. I believe this account is fraudulent. 

The reporting inaccuracies concerning this account constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue, I request the following documentation from Westlake Financial Services : Authorization Proof : Evidence of your authorization to handle this matter under 15 USC 1692 ( e ) and 1692 ( f ).

Legal Basis : Documentation showing the legal basis for the collection of this alleged debt.

State Authorization : Proof of your authorization to operate and collect debts in my state.

Debt Evidence : Detailed evidence of the alleged debt, including any contracts or agreements with my signature.

Account History : A complete history of the account, including all collection-related charges.

I am also asserting that Westlake Financial Services has infringed upon my rights under several sections of the FDCPA, including : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations. 
1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

I started a loan with Cashcall XXXX Escrow through XXXX XXXX   file # XXXX. After several hours of calls emails and a written request from an attorney I finally received a completely different closing statement however the figures are still all off. I would like my money as soon as possible. 

My loan at $ XXXX I was given a lender credit of {$1000.00}. I made every payment and my loan payoff was only {$380000.00} so where is the {$1500.00}? I received one check for {$650.00} on XX/XX/XXXX and a second for {$19.00} on XX/XX/XXXX from title, therefore where is the {$890.00}? Escrow and closing costs are resolved, this is purely on the loan issue. 

The various closing statements Ive received do not match as follows : XXXX XXXX  ( prior lender ) they paid through XX/XX/XXXX and paid you more at {$380000.00} which is {$140.00} missing. Per your closing you are charging form XXXX which is another {$400.00}. Therefore I see whereas I am owed {$1400.00} minus 2 days interest at {$40.00} a day is a total of {$1300.00}. I have spent so many hours on this getting the run around for months. To the point whereas I had to have my attorney send a letter. I expect clear and concise records and a refund with interest for my missing funds.
Product: Credit card or prepaid card

I requested a due date change on my account. I requested the due date change to the XXXX of every month instead of the XXXX. Reason being I get paid once a month on the XXXX Wednesday of every month. Due to where the fluctuation of certain days in a month occur, my pay day sometimes falls after my due date of the XXXX. I was informed because of where I live ( West Coast region ) the company is unable to change my due date. This inflexibility will sometimes cause me to be late with my payment. I am trying to be a responsible debtor so that none of my payments are late and I feel this company ( XXXX XXXX ) is hindering my ability to be a responsible debtor. Every other credit card I have, has been able to acquiesce my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.