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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


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

All transactions that was processed by cash app without consent and refunds from overwhelming purchases I was denied because of their lack of security I want all my funds returned
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose
Product: Checking or savings account

I opened an account on XX/XX/XXXX with Citibank for a {$400.00} promotion with a {$15000.00} minimum balance requirement. I have well over {$15000.00} in my account. The banker I opened my account with XXXX XXXX confirmed my eligibility for the promotion at account opening. The money was supposed to stay the for 60 days and the bonus promotion to be credited to account within 90 days after the 60 days. It has been more than 6.5 months and Citibank still hasnt honored the {$400.00} promotion. They are scamming us. I have filed multiple complaints via the banker XXXX XXXX and Customer Service on XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX, a supervisor and XX/XX/XXXX and XX/XX/XXXX with XXXX a supervisor with Citibank and to no avail or response from them.
Product: Mortgage

I contacted Wells Fargo for a payoff letter XXXX weeks ago, they said they would provide within XXXX days. When I did not receive one, I called back. They then told me I would need to get it from XXXX XXXX XXXX XXXX in North Carolina. I called and requested a payoff letter from them. After XXXX  days I did not receive one. I called them again. They did prepare a pay off letter for XX/XX/XXXX and I received that yesterday. I emailed and requested XXXX for XX/XX/XXXX. 

In addition the payoff they sent me for XX/XX/XXXX was much higher than Wells Fargo quoted in their automated system and representatives I spoke to. Nobody seems to be able to tell me where the extra costs accrued and I don't even have a letter for XX/XX/XXXX. In addition after my call to Wells Fargo informing them I had a qualified buyer who wants to close XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX scheduled a foreclosure auction and sent Sheriffs to serve me with foreclosure paperwork. 

I am trying my absolute best to payoff this loan, but am being blocked at every turn. 

I was also notified I was in Covid Forbearance but it was not in any way reflected in what I owe. I need some help ascertaining if the house I bought for XXXX XXXX years ago will actually be almost XXXX to pay off now. I'm in a time crunch because my buyer wants to close on XX/XX/XXXX and right now I don't know or understand why the cost got so big, how I could owe this much money on this house. 

I have XXXX and XXXX XXXX exacerbated by the Covid isolation and really need some help getting out of this loan and landing on my feet. Ive applied for XXXX and am hoping that decision will be soon, but currently I'm looking at homelessness and a default on the loan despite my best efforts to repay my debt with a little left over so that I can move closer to family members and get the health care I need. XXXX XXXX  wait lists for XXXX  are in years now.
Product: Debt collection

Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression.

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed account is attached in document According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.
Product: Credit reporting or other personal consumer reports

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Product: Debt collection

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Product: Checking or savings account

A female who refused to give me her name but claimed to work for Wells Fargo Bank Fraud Department called me out of the blue & asked me to " verify myself '' ( give her some SENSITIVE personal information on the phone ). After I explained that SHE NEEDED TO VERIFY HERSELF FIRST ( I asked her to send me a SECURE EMAIL so I would know she really was with Wells Fargo Fraud Dept & include her name and call back info ) THEN I would be  happy to answer her questions. SHE DID NOT object to that at all she just said ok and hung up ... so then when I went to LOG INTO MY ACCOUNT to READ My secure emails their computer would NOT allow me to log in it said " online access is unavailable ... call bankers 24x7 '' so I called a banker and spent an HOUR on hold speaking to a Banker and a SPERVISOR both who said the account was LOCKED and they could NOT UNLOCK IT ... only the fraud dept can do that. So then I tried replying to an UNSECURE email I had got from wells fargo but I got a return message that they would NOT EVEN READ that since it was not secure ... I should LOG IN FIRST then send them a SECURE EMAIL ( since I was LOCKED OUT NOW I could NOT DO THAT ), so I tried calling the number in my caller id which the lady called from and asked for a supervisor there ( said his name was XXXX ) ... and after i explained all this to him HE REFUSED to send me a SECURE EMAIL like I said to start with ( to VERIFY HIMSELF - as I explained any SCAM OPERATOR could have got me LOCKED OUT simply by logging into my account multiple times then demanding I give them my sensitive info to open back up ... so HE STILL NEEDED TO VERIFY HIMSELF as a bonafide Wells Fargo employee ) so in the end he said go to a bank & verify myself to get the account un-suspended. I demanded that he send me a letter, so we'll see. The worst problem is they NOT ONLY SUSPENDED me online access to my account but they ALSO SUSPENDED use of my debit card and CHANGED MY PERSONAL PREFERANCES from ONLINE Stmts to PAPER STATEMENTS ( this means Wells Fargo will CHARGE ME MORE/Higher account fees ) so if this was NOT a hacker/scammer to start with it sounds like a SCAM by WELLS FARGO to make UNAUTHORIZED changes to customer accounts & charge them MORE FEES. They MUST BE REQUIRED TO VERIFY themselves FIRST before DEMANDING Sensitive information from customer, blocking access to their accounts, blocking access to CASH, and making unauthorized changes that generate MORE FEES for their banks ... ALL by the way when there is BEEN NO FRAUDULENT ACTIVITY on the account ( I just logged in a few days ago and I saw NOTHING looked wrong at that time ) ...
Product: Credit reporting 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 1681. 
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 

The company has Violated my rights 15 U.S.C 1681 section 602 A. State I have the Right Privacy.

15 U.S.C 1681 Section 2 : it also States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section State ; no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedate the reporting 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Inquiries in Dispute : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I received a letter from ERC stating that I had a debt with XXXX. Says I owe XXXX and they can settle for half that amount. I have never had service with either of those companies. I have tried calling XXXX but was on hold for hours.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, TransUnion has failed to take timely and effective measures to prevent and address fraudulent activities on their platform, thus leaving my account vulnerable and unprotected. Additionally, I have discovered inquiries on my credit report that I am unfamiliar with and have never authorized. 

Furthermore, TransUnion dispute resolution process has been unfair and deceptive, as they have not complied with the error resolution requirements under the Fair Credit Reporting Act ( FCRA ) and Regulation V. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations and demand that Transunion take immediate corrective actions to ensure the security and accuracy of my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT KNOW WHO THESE ACCOUNTS ARE : XXXX XXXX {$3300.00} XXXX XXXX SYNCHRONY NETWORKS {$1500.00} XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX FIRST XXXX XXXX {$980.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do
Product: Credit reporting or other personal consumer reports

Back in XXXX I had a dark web information alert scare. I got on XXXX to protect myself and improve my credit. I noticed my XXXX XXXX XXXX  that I had since XXXX and hadn't used it in years. I closed the account zero issues. Six months later I get a XXXX XXXX  congratulations letter. but I never opened an account! I called and they immediately closed it. Then I got a bill! and was shocked. I called to dispute and they said I didn't have an account and couldn't find one. I gave them the 4 digits on the bill and they finally found it and reported it for fraud and closed it. I thought it was done! Except credit collectors are calling. I don't even have a physical card for XXXX! These expenses are not mine! the card is closed but they're trying to make me responsible to pay it. I have spoken to countless representative at XXXX who agree the account is closed and has been closed... yet it still creates a huge problem on my credit report as it shows as a delinquent account that continues to be charged in delinquent fees and seems to be showing time that's passed since being paid. I have open and escalated several times since XXXX! With XXXX.. who continues to protect my account as I have had other suspicious activity like someone trying to use my social to file their taxes under me. And this all started from XXXX with this weird occurrence with my closed XXXX XXXX  account. I greatly just want my points back on my credit that I have worked extremely hard for but I am haunted by this issue. I also do want to note that I find it very odd that this all happened very closely to when comenity bank sold to barlcay. It was when the merge between them happened that all the sudden I started receiving bills from this card that has been closed. 

I am desperate for help at this point so XXXX has referred me here.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Metro2 Compliance Investigation - Unauthorized Sale of Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : [ Your Email Address ] Phone : [ Your Phone Number ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services, I am writing to bring to your attention a matter of utmost urgency regarding the accuracy and compliance of the information reported under my name to consumer reporting agencies, specifically as reflected in my recent credit report from Equifax. After a thorough review, I have discovered distressing information that indicates my personal data may have been illegally bought and sold on the dark web, leading to potential exposure of sensitive information. 

Specifically, the discrepancies I have identified are as follows : 1. [ Detail the first discrepancy, including any relevant account information ] 2. [ Detail the second discrepancy, if applicable ] 3. [ Continue as necessary for additional discrepancies ] This revelation is deeply concerning as it poses a significant threat to my privacy and financial well-being. Given the severity of this matter, I urgently request Equifax to conduct a thorough investigation into the unauthorized sale of my personal information on the dark web. 

If possible, please provide a written response within the next 30 days, outlining the results of your investigation and any corrective actions taken to address this illegal exposure of my information. Additionally, I request that Equifax take immediate steps to rectify any inaccuracies stemming from this unauthorized sale and promptly update my records with Equifax and the other major consumer reporting agencies. 

I appreciate your immediate attention to this critical matter. I trust that Equifax will take swift and decisive action to ensure Metro2 compliance, safeguarding the accuracy and security of my personal information. 

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

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

We tried to get help from Titlemax due to our financial situation. Titlemax didnt care about anything but the money. We submitted documents showing the repairs for our vehicle and pleaded for help. They ignored our pleas. We had the option to get our vehicle ( that was in the shop from XX/XX/XXXX to XX/XX/XXXX ) out of the shop or pay it towards our loan. We chose to get the vehicle out of the shop so my husband would be able to go to work. We got it out XX/XX/XXXX and my husband was able to get right to work. We made several payments as soon as we could, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were made towards the loans, because we had the vehicle needed for work, to transport my husbands tools. XX/XX/XXXX just after XXXX our vehicle was being repoedthey tore up our grass and tried to cover it up. They did allow us to grab some things, we needed, such as our tools, from it before leaving with it. We have a hum device that was connected to the vehicle. The hum is connected to our XXXX account, which shows location of the vehicle. This hum should have been with our property when we went to pick it up. It wasnt there. They stated nothing was in the vehicle but there was personal front tag, head rest hooks, a bunch of change, phone chargers and out XXXX! The last location of our hum and vehicle was where they auction d it off!! We want our property!! I have attached photos of the vehicle location after they repoed it. This is from our hum device. If more hum records needed, we will gladly provide them.
Product: Debt collection

My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called GC Services and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report Number : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services.
Product: Checking or savings account

I am trying to access my Marcus by Goldman Sachs savings account. I need the money urgently. They locked me out of my own account. I called them to unlock and answered all possible questions correctly, yet they say I can not access my account. They wont tell me the reason either. Now they say theyve sent me an affidavit which I need to sign and send back which doesnt arrive at all. I never thought customer service can be so bad. They are defining new levels of poor.