23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX RE : A/C # XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX To Whom It May Concern : I opened the above-referenced account on XX/XX/XXXX while establishing a correctly titled attorney trust account. 

The representative from your XXXX XXXX branch offered a new VISA card and informed me that I would receive {$300.00} after spending {$3000.00} within the first three months. It sounded too good to be true but I accepted the offer and spent the required amount within the specified period. Unfortunately, I now feel that I was conned. 

Last week, I spent 45 minutes on the telephone with five different representatives from your credit card division. Three of them transferred me to people who just disconnected me after hearing the story. Needless to say, no one called me back. 

Unless you promptly pay me the {$300.00} rebate promised I shall be closing all of our accounts at Wells Fargo and will pursue appropriate further action to compel you to honor your commitments. 

Very truly yours, XXXX XXXX XXXX XXXX cc : Bureau of Consumer Financial Protection
Product: Credit reporting or other personal consumer reports

please remove this fraudlent information from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Form Motors responded to my dispute with incorrect information and no documentation. Dispute # XXXX. 
As a result of Fords misinformation, my case # XXXX was closed with inaccurate information and no documentation. 
My lease was signed and extended 2 months. Not only did Ford incorrectly repossess the vehicle, but they are continuing to report inaccurate information on my credit report which has caused me to be denied housing.

A police report was also filed.

This issue was addressed in court & after reviewing documentation the Ford attorney apologized to me for the error and the judge awarded in my favor. 
I am attaching a copy of the judge 's decision on XXXX XXXX, XXXX. For 5 years Ford has caused me damages and has refused to correct it. 
Thank you in advance. 
XXXX XXXX
Product: Debt collection

I was never informed of debit til I seen my credit report then tried talking to them and I was told basically to ignore it
Product: Checking or savings account

XX/XX/year> To : Citibank , N.A . 
Executive Response Unit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Case # XXXX Subject : Request for Clarity and Resolution Regarding Fraudulent Wire Transfer Investigation Dear Citibank Executive Response Team XXXX I am writing in reference to your letter dated XX/XX/year>, concerning the fraudulent wire transfer dispute involving my checking account ( ending in XXXX ) and claim # XXXX. While I appreciate the reopening of the investigation on XX/XX/year>, I am seeking clarification on the following points due to conflicting language in your correspondence : 1. Current Status : Is my claim actively under investigation, or has it already been denied? 
2. Next Steps : What specific actions will Citibank take to ensure a thorough review of the reopened claim? 
3. Documentation : How should I proceed if additional information or documentation is required during the investigation? 
Your letter mentions that the investigation may take up to 60 days and that I may need to provide further details. However, it also states that Citibank considers the matter " resolved '' and will not respond to further inquiries, which contradicts the ongoing review. 
I request explicit confirmation of the investigation 's status and ask that any premature closure language be retracted. Given the severity of this issuea fraudulent transfer of {$49000.00} on XX/XX/XXXX, XXXX urge Citibank to address this matter with diligence, transparency, and urgency. 
I have escalated my concerns to the CFPB ( XXXX # XXXX ) to ensure a fair resolution and expect Citibank 's full cooperation. 
Requested Actions : A written response addressing each of the questions listed above. 
Clear documentation of all steps in the investigation process. 
Assurance that no final determination will be made without giving me the opportunity to review or contest the findings. 
Please clarify the reason of why Citibank or its legal representative provided altered or tempered records during the Arbitration process. 
Please communicate all updates in writing. I will await Citibank 's findings at the conclusion of the 60-day period and reserve the right to escalate further if the resolution is unsatisfactory. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts that have been fraudulently opened in my name due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these were also opened fraudulently. 

I reported my identity theft in XXXX, and this is on record with both Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to have these fraudulent accounts removed from my credit report. 

I expect a response within 30 days, confirming the removal of these accounts from my credit report. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681 Account with XXXX XXXX XXXX Account with XXXX XXXX XXXX  15 u.s.c 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602A section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more
Product: Credit card or prepaid card

My EDD BofA card was one of the ones that happened to be frozen. I noticed on the XXXX of XXXX my account stated I was in the negatives. My account is STILL negative and is continue to take away my benefits when I certify due to the account so called being negative.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have recently fallen victim to identity theft, which has resulted in several fraudulent entries on my credit report. These 9 unauthorized accounts and 9 inquiries were added without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already reported this incident to the Federal Trade Commission ( FTC ) and now urgently request that these fraudulent items be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX  the opportunity to make this matter right by way of the following ; Transunion has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them XXXX  and XXXX has removed the information, TransUnion is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Product: Debt collection

I sent the attached letter to Lendumo on XX/XX/XXXX, & have not received any responses yet. I followed up with them again after XX/XX/XXXX, & still no response. 

ALSO I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So Please stop assuming it was someone else, & Please address my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian continues to furnish incorrect and unauthorized information about me without my consent. My attempts to have this account removed/ deleted due to the inaccuracy that is inequitably furnished by your organization on my XXXX Report has been ignored and or pacified. I filed a report on the CFPB portal with XXXX and Experian on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I am attaching a copy of a consumer report dated XXXX that was furnished by XXXX. This report shows XXXX financials reports made to XXXX. The reports show the account in question being reported completely different from what it is now reporting. The balance shows {$0.00} and paid in full/ paying as agreed in XX/XX/XXXX. XXXX and Experian continue to furnish reports that is consistently changing. Charge off dates constantly changing and contradicting on a monthly basis. XXXX XXXX is furnishing fraudulent documents, dates and information that is consistently changing. 

I am also attaching a consumer report dated XXXX that shows a whole new set of dates and information furnished by XXXX and reported by XXXX XXXX Experian on my consumer report. 

I request you immediately remove XXXX from my consumer report. I have informed you of the inaccurate reporting and have furnished multiple documents furnished by you ( XXXX Experian ) that shows the contradiction and various reports that are inaccurate and inconsistent. If this account continues to be to be validated and furnished I will be forced to take this matter to court and include XXXX / Experian in the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I report identity theft to the credit breau and somehow they saying they not receiving my FTC report and I sent it to them multiple times
Product: Money transfer, virtual currency, or money service

Attached is the summary of my Case that was processed by Chase bank escalated cases group and they could not solve the issue. 

Following are the contact persons from Chase bank that I visited 8 times so far : XXXX XXXX ( Branch Manager ) Phone : XXXX XXXX XXXX XXXX ( Personal banker ) Phone : XXXX XXXX XXXX XXXX ( Assistant Vice President ) Phone : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

My Loan, XXXX, was transferred to Rushmore Management in XXXX from XXXX XXXX XXXX. The loan had been transferred to XXXX from XXXX XXXX Loans. We entered a modification in XX/XX/XXXX that provided for a permanent 5 % APR, and a payment below {$650.00}. The subsequent billers continued to escalate the payment under the guise that escrow estimates were short. However, my local property taxes have not increased. On XX/XX/XXXX, the current biller, Rushmore, more than doubled the APR to 11.27 %, and increased the minimum payment to over {$1200.00}. The biller has refused to address the XXXX modification agreement. We have also submitted documents for a new modification that Rushmore claims was not received. In the interim, we requested a deferment, or reage as the current payment is not feasible for us, or in keeping with the decreased value of the property. The original loan holder, XXXX XXXX, grossly overstated the value to collect extremely high closing costs. I have resubmitted the hardship application again, on XX/XX/XXXX, I am asking the current biller to adhere to the XXXX agreement, restore the 5 % APR, and adjust the minimum payment accordingly by reducing the balance, extending the term, or another option available. Requests for extensions were submitted by the company 's phone agents in XXXX, XXXX, and XXXX, with no response. Based on our previous inquiries, We also expect any delinquency to be removed along with any negative reporting to the consumer credit reporting agencies.
Product: Debt collection

On XX/XX/2023, I received a notification from the credit bureau that my credit score decreased by XXXX points. Upon checking, I noticed a new collection account from Helvey & Associates. The collection amount is {$220.00}. I have never received any communication from this company to even dispute, acknowledge or look into the debt, There is no original creditor listed and I have never done any business with Helvey & Associates.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : ECMC Account Number : XXXX Date : XX/XX/0001 Amount : {$4600.00}
Product: Debt collection

This claim is in response to a previous claim XXXX that was closed without an adequate answer from the company Security Credit Services XXXX This Company is stating that they have the right to report this debt under my name for 7 years which is not correct because this debt is pass the Statue of Limitations for Georgia. The response they provided the company was not was correct in regards to the statue of limitations. Per the statue of limitation in Georgia According to GA Code 9-3-24 : All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. In other words, creditors and collectors must take you to court for any debt, based on a written contract, within six years of the last action on the account.

I am also providing additional documentation because additionally this debt is not mine and I was a victim of Identity Theft. A police report is being included along with a affidavit of Forgery.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is not mine and belongs to someone else
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

We ( my XXXX year old mother and I ) have been trying to buy a house since XX/XX/XXXX ( date of the earnest money check ). We are buying a KB Home and financing with KBHS. This financing company has been so incompetent. The loan officer did not know why I wanted to know the APR. I had to tell her several times how much money we wanted to put down before she got that correct on the closing disclosure. We were supposed to sign on the XXXX of XXXX. We were told all the papers were on the underwriters desk and that all we were waiting for was a signature early on the XXXX, only to be told later on in the afternoon that the closing would not happen until the XXXX of XXXX - no explanation given. We signed on the XXXX and were told we would get the keys to the house on the XXXX of XXXX. Now the finance company wants a covered policy binder from my insurance agent who sent them " evidence of insurance for mortgagee '' on XX/XX/XXXX. So now I have no access to the house, furniture arriving, and utilities scheduled to be turned on, and they are quibbling over a date on an insurance policy. I can not believe this is not something that should have been resolved a long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, 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 XXXX has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$730.00} XXXX  XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXXXXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX  open XX/XX/XXXX XXXX XXXX. Open- XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. XXXX. {$1600.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.