23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am requesting the removal of this bankruptcy ( below ) on my Transunion credit report due to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) Toyota ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that Toyota would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, Toyota Financial, and XXXX. In XXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XXXX XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
Product: Money transfer, virtual currency, or money service

Greetings my name is XXXX XXXX XXXX XXXX and I believe my banking institution has been weaponized by our Missouri Chief officer XXXX XXXX XXXX that has initiated a unlawful acts of abuse and deliberate indifference as I pursued this official of Governor XXXX XXXX in Federal Court and now that he has not only been protected y the Clergy and appointed to our Banking Commerce by Gov XXXX. Now my services with my bank has been retaliatory. 
Count 1..bank fraud : The date would be my last payday XX/XX/2023. I brought a check phsyciallyn in the Regions bank at XXXX and XXXX XXXX XXXX XXXX for the amount of XXXX charge cashing my check. I would cash this check then deposit {$380.00} and take cash on hand in the amounts of {$150.00}. 

There was {$380.00} left in my checking account. I would go on this day making two transactions later from this account as I was given the Regions Bank slip with the amount of {$380.00}, but my lender has tried ample times trying to deliberately entice me to become irrate or enraged by abusing my rights as a banking costumer deliberately freezing my.account after I had already made two transactions with the account earlier in the day to my.cash app.. 

I would still have funds in my account but transactions would be declined right around the time my banking institution was about to close this same day. I called the banking institution? I frequent at that has caused these deliberate problems. The XXXX XXXX Banking attendant would tell me " my account funds were held do to a Checkm, I brought in to there business this day and deposit this same day, XX/XX/2023. This is false and a absuive tactic these employees were given direction to perform from what I believe is directly from the top as I never deposited any check this day. I only cashed a check, deposited {$380.00} and took home {$150.00} XXXX was a check, I cashed then deposited {$380.00} as I was given the PD SLIP- XXXX XXXX # XXXX XXXX # XXXX DA XXXX XXXX XXXX {$380.00}. 

There were still funds in my account this lender 's fraud would obstruct not to be use by causation caused by this lender employee trying to deliberately entice or anger this costumer so he appears a certain way fighting against corrupt officials appointed by Governor XXXX XXXX. It did not place any fear in me! I am coming after XXXX XXXX XXXX XXXX! Respectfully! Especially for these type.of stunts weaponzing agencies and businesses with these absuive tactics. Please let him and them know? THIS IGNITED THAT FIGHT AGAINST HIM!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

On XXXX of XXXX I found out that my Paypal debit card along with my insurance card were missing. The card was not in my possession.I immediately contacted Paypal to deactivate the card.Upon logging on my account i realized that somedy used the card at different locations.The following are the transactions that appear on my statement : XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX {$250.00} XXXX XXXX # XXXX {$230.00} XXXX XXXX # XXXX {$180.00} XXXX XXXX # XXXX {$200.00} XXXX XXXXXX/XX/XXXX {$21.00} XXXX XXXX #XX/XX/XXXX{$240.00} I am willing to prosecute. 
- Document Type = [ OTHER ] - Number of Documents = [ XXXX ] - Name of XXXXXX/XX/XXXX = [ Paypal These are transactions that i did not authorized and have been icluded in XXXX Police Report dated XXXXThank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent information on my credit report due to a data breach. I did not authorize the creation or use of the following account and inquiries, which were the result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such information blocked and removed from my credit report.

Fraudulent Account to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$310.00} Unauthorized Inquiries to Remove : 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 RECEIVED FUNDING FROM XXXX XXXX HAF PROGRAM TO PAYOFF AND ESCROW SHORTAGE. THE FUNDS WERE SENT ACH ON XX/XX/. SHELLPOINT RECEIVED THE FUNDS ON XX/XX/. ON XX/XX/XXXX  AND WAS TOLD THAT THE FUNDS WILL BE APPLIED TO THE ACCOUNT, AND AT THIS TIME THE GOVERNMENT FUNDS HAVE NOT BEEN APPLIED TO THE ACCOUNT. ATTACHED T THIS COMPLAINT IS A REQUEST LETTER OF HOW THE FUNDS SHALL BE DESPERSED ACCOMPANIED WITH THE LETTER FROM XXXX XXXXXXXX OF HOW MUCH MONEY THAT I HAVE RECEIVED. I AM REQUESTING A FULL INVESTIGATION AS TO WHY SHELLPOINT IS HOLDING THE MONEY AND IS NOT APPLYING THE FUNDS. I AM ALSO SEEKING LEGAL REPRESENTATION BECAUSE I CONSTANTLY HAVE REOCCURRING PRBLEMS WITH SHELLPOINT MORTGAGE. 
PLEASE ADDRESS THIS ISSUE ACCORDINGLY, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of data breach and identity theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15U.S.C. 1681c-2 please find the attach FTC report and other relevant documents
Product: Checking or savings account

After my bank was notified of the garnishment, it did not follow the court order. The Consumer Financial Protection Bureau ( CFPB ) finalized an enforcement action against Bank of America for processing illegal garnishment orders against its customers bank accounts. Bank of America unlawfully froze my accounts, charged garnishment fees, garnished funds, and sent payments to creditors. The court order should have been processed under the laws and protections of the states where I live. Bank of America also violated the law by inserting unfair and unenforceable language that purported to limit my rights to challenge the garnishments. The CFPBs order requires Bank of America to refund or cancel imposed fees from unlawful garnishments. 

Most garnishments occur following court orders. State laws have limits or exemptions that apply to bank account and paycheck garnishments that are designed to make sure people have money left to live on following garnishment. XXXX  state laws have a limit on types and amounts of funds can be taken from a consumers bank account. 

Bank of America engaged in unfair and deceptive acts and practices that resulted in money from my bank accounts being frozen or taken when the garnishments were not permissible under the state laws where the accounts were located. Bank of America attempted to deceive me about my rights. Bank of America falsely represented to me that my rights to have certain funds exempted from garnishment were governed by the law of the issuing courts state. 

Bank of America misrepresented to me that my rights to have certain funds exempted from garnishment orders were governed by the laws of the issuing states when, actually, in most states, customers own state laws apply. Furthermore, imposing unenforceable clauses. Bank of America prevented me from pursuing legal claims against the company liable for improperly responding to garnishment notices ; however, account holders have the right to challenge garnishments despite any language in their account agreements to the contrary. 

Failing to adhere to consumer protections laws Bank of America acted on garnishment orders without disclosing the garnishment order and not those of the state where the individual lived. As a result, it improperly held, froze, and eventually turned over its customers funds to judgment creditors.
Product: Payday loan, title loan, or personal loan

This was a loan of {$12000.00}, with {$7200.00} to be sent to a creditor to pay off a loan balance and {$4200.00} to be sent to my bank for my use, and also included a {$600.00} fee. I was notified by email XXXX XXXX that " on XX/XX/XXXX payments totalling {$7200.00} were made on my behalf '' to the accounts I selected as part of the balance transfer and the {$4200.00} would be deposited into my checking account. The {$4200.00} was indeed deposited within XXXX hours. As of XX/XX/XXXX, the balance transfer of {$7200.00} has not been received by my creditor, XXXX. During various phone calls I have been told the transfer was made by check, it was sent the XX/XX/XXXX ( later told it was sent XX/XX/XXXX ), would take XXXX days, then XXXX days, then XXXX weeks and has now been XXXX days. Can not get any phone calls or emails from Lending Club, can not get them to cancel the check and make the transfer via XXXX or any other action. I am being charged interest on a loan amount of {$12000.00} although neither I nor my creditor have received {$7200.00} of that total amount. Absolutely the worst service I have had from any financial company. Have contacted them at least XXXX times with still no resolution other than they are " looking into it '' and will get back to me ASAP which they never do. It is absurd that I have to pay them interest on loan proceeds I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway 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 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

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with XXXX, Experian, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information.

As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed.

Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents.

Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history.

Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit.

Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt.

I appreciate your immediate attention to this matter and expect a response within 30 days. Please send all correspondence and proof related to this dispute to the above address.

Thank you for your cooperation. 

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

Im writing this letter in regards to inaccurate information reporting on my credit report. Under these laws section 604 15 U.S. Code 1681b, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. code 1681 C-2, these fraudulent inaccurate information should be removed and blocked from my credit report immediately. I did not consent to authorize nor benefit from those inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

My loan was transfered from XXXX to XXXX  XXXX  XXXX. I mistakenly made my XX/XX/XXXX mortgage payment to XXXX after the transfer date. I sent the payment on XX/XX/XXXX. XXXX said they sent the payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX has not recieved the payment. XXXX sent me a letter stating they recieved the payment and forwarded to XXXX XXXX bit they will not provide me any tracking info. XXXX XXXX has stated it takes 30 days to " hit '' my account. That changed to 45 days and now 60. I filled a missing payment request with XXXX XXXX. I was told it takes 7 to 10 business days to investigate. It now has been 13 days with now results. XXXX is unwilling to help me at this point and XXXX XXXX keeps putting me off. At this point no one can account for the {$1700.00} payment I sent for XXXX. XXXX XXXX wants me to make my payments like normal but I feel the longer it goes the more complicated this gets. I need to get the money applied to my account so I can get straightened out.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information Also Known As : XXXX, XXXX, XXXX Also Known As : 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 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: Mortgage

I represent a homeowner selling her home as a short sale. I initiated a short sale in XXXX for my seller originally in XXXX. By the first of XXXX the short sale was rejected due to the loan being charged off. I called MR. Cooper ( 2nd lien ) and asked where the file went, and if they still were servicing it i wanted a lien release letter. They said they did not know if they were still servicing the file at that time or had released it to a different servicer. I continued to call to find out and asked the seller if she had received any mail regarding this charge off and she said she did not receive any information about the charge off. After calling for a month Mr. Cooper told me that they reversed the charge off and I could initiate the short sale again through XXXX which I did. I told the servicer that this file should be streamlined and escalated since they had wasted so much of our time and also that one of the borrowers had passed away so we should be able to streamline it. I completed all my tasks on time and an appraisal was ordered. I waited several weeks and emailed the manager regarding the status often during this process with little or no response. I decided to call the escalations department today to see what the hold up was and the agent apologized for the delays and would help resolve this. he sent the file to be assigned to a negotiator which should have been done weeks ago and then said that they would review it today so we could have our approval letter by next week on Wednesday. Later that same day the manager assigned to my file called me and said " We cant continue '' I asked why and he said that Mr Cooper isnt really servicing this loan and XXXX is ... I was shocked. I asked why am I now finding this out since I have had an active short sale being processed for three months now and he said they made a mistake. I told him that was not a mistake but was DECEPTIVE in every way! If Mr. Cooper told me over two months ago that they did reverse the charge off then why did you accept the short sale? He could not give me a straight answer. I told him I would be filing a complaint with the CFPB and he told me NOT to threaten him. I said I was not threatening him by filing a complaint. I asked why he had not replied to any of my emails I sent in XXXX and he said he is not a negotiator and doesnt reply to those emails. I said we did not even have a negotiator assigned to this file until today!! He said that if I threatened him with a complaint he would not be willing to help me resolve this issue. I Told him that he needed to send everything to the new servicer immediately and then call me tomorrow and let me know how soon we can get our approval since everything had already been completed. He said he MIGHT call me tomorrow but would not guarantee anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.