23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I need you to contact the major bureaus to demand that they erase my records completely so I can start over as unscrupulous people have been harassing me non-stop and are still doing so. I am a doctor and I need to return to my functions and I am being the victim of violations of my rights by local authorities causing me financial losses for which I have not been able to adequately defend myself and they are depriving me of all my privileges and properties I need your help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has a credit card from XXXX XXXX on my account twice. The account number is XXXX. One line shows a balance and the second time it is on the account it shows the balance is zero. The line with the balance due should be deleted. The one with the zero balance is correct.
Product: Debt collection

I sent a letter of dispute asking for them to validate the amount they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been validated when in fact they are still investigating the claim. They also sent a letter stating that I had to request substantiation of my account if I rewrite them again. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Waypoint Resource Group has on file of the accounts listed below. Please provide me a complete copy of all the information that was transmitted to the 3 major credit bureaus as part of their investigation, as required by FCRA. 

Accounts disputed : Waypoint Resource Group Account Number : XXXX Amount : {$110.00} Waypoint Resource Group Account Number : Unknown Amount : {$1200.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian Dispute Division XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized Affidavit completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX Fraudulent Inquiries & Dates : XXXX  XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX Main Financial : XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within XXXX days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. XXXX examples include : XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : XXXX awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : XXXX. Immediately delete the fraudulent accounts and inquiries listed above. 


XXXX. Update my current address to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and correct it in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the executor of my brothers estate. On XX/XX/XXXX  the estate attorney told me I was entitled to a fiduciary fee in the sum of {$37000.00}. I wrote a check to myself from the estate checking account for that amount and deposited the check to my personal checking account at Bank of America ( BOA ) in person on XX/XX/. I was told by the teller at BOA that a hold would be placed on that deposit until XXXX XXXX  on XX/XX/2023 per BOA policy for large suspicious deposits. I assured the teller the estate check was good and would clear overnight. She said there was no way the hold could be lifted before XX/XX/. 
On XX/XX/XXXX  I went online and checked the estate checking account balance at XXXX XXXX . The online account confirmed that the check ( # XXXX ) had been paid and the funds withdrawn from the estate account on XX/XX/. 
On Tuesday, XX/XX/XXXX  I went to the BOA branch office on XXXX XXXX XXXXXXXX in XXXX, Ohio. I spoke with banker XXXX XXXX. I showed her a printout from the estate checking account showing that the check I deposited on XX/XX/XXXX had been paid and received by BOA ( see attached ). I asked her to lift the hold on the check for that reason. She said there were no exceptions to BOA hold policy and the funds would not be available until XXXX XXXX  on XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

RC Willey is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting. I immediately called and settled this account with them. I was unaware about this debt as I had never received any notices, calls, or letters regarding this debt. I ask that RC Willey removed this account from credit as it has been paid and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : 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 filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.
Product: Mortgage

I closed on my new home with XXXX XXXX on XXXX XXXX, 2019. My first payment wasn't due until XX/XX/XXXX but I made 3 separate principal payments totally {$7300.00} along with a full mortgage payment during the month of XXXX. I was then notified that my loan would be ( and was ) sold to Wells Fargo as of XXXX XXXX, 2019. According to Wells Fargo, I still owe the full loan balance. They have no record of the payments I made in XXXX. I have spent numerous hours ( mostly on hold ) trying to fix the problem.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and |16 ) financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On or around XX/XX/year> I was charged for a order with another following the next day if not days later due to a new credit card number my account with the company was flagged so they cancelled my order but the money taken was not funded back to the account on both orders this actually happens often and I thought I couldn't do anything about it.I have edocuments to verify my claim, company also made allegations of me recieving sevices or products in most cases but not for these 2 orders I also have previous records of statements which are not the same
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Mr. Cooper purchased my loan in XXXX of this year and immediately changed my payment from XXXX to XXXX or more. I contacted the company and found out I had a problem with my escrow account. Once I payed back the XXXX  dollars XXXX XXXX took from my escrow account, my payment was not adjusted immediately. As it stands now my home payment is XXXX a month. The company can not explain where my extra payments went. They can not explain why my home payment went up. They can not explain why my escrow is so much more now. They went on to blame my previous mortgage company XXXX XXXX XXXX, and I was told to contact them. When I attempted contact that company, I was immediately routed back to Mr. Cooper. Come to find out, Mr. Cooper purchased XXXX XXXX XXXX, and they were trying to utilize them as an excuse for not calculating my escrow properly. Then they tried to get me to run a FHA streamline loan, and that didnt even lower my payment back to the original amount, or close to it. The company is lying, holding back information, and from my point of view, committing some type of fraudulent activity.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding the inadequate response I received from XXXX XXXX XXXX XXXX concerning a dispute on account number XXXX, which reports a balance of {$3200.00} charged off. 

On XX/XX/XXXX, I submitted a dispute to XXXX XXXX XXXX XXXX explaining that this account was the result of identity theft and has been on my credit report for longer than XXXX years. 
My primary concern, which was that this account has passed the seven-year mark from the date of delinquency, was not addressed in any of the correspondence I received from XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), negative information should be removed from credit reports after XXXX years. This account, therefore, should no longer appear on my credit report. 

Despite this, the response I received only addressed the identity theft claim and falsely validated the account without providing any evidence to support their claim. 


Furthermore, XXXX XXXX XXXX XXXX inaccurately stated that a payment was made in XXXX in the amount of {$0.00}. This statement makes no sense and appears to be a tactic to re-age the account to keep it on my credit report, which is both unfair and illegal. No payments have been made on this account, and I do not own or have access to it. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to ensure that this account is removed from my credit report as it has exceeded the seven-year limit. Additionally, please ensure that XXXX XXXX XXXX XXXX ceases the practice of re-aging accounts to extend their presence on credit reports. 

Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second ( 2nd ) time I have logged in to get my free, annual Equifax credit report and received the following message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Report online ''. I am instructed to request it by mail and have to submit a request form along with a copy of my Social Security card and a copy of my driver license. I DO NOT want my personal information being mailed to Equifax, nor do I want my credit report being mailed to me. This opens me to identity theft!! The mailed items give a thief all they need to cause havoc to my financial life. I have no trouble getting XXXX or XXXX ; I have them for XXXX. And, I received them in XXXX. I just received the Online Delivery Unavailable for XXXX from Equifax ; I also received the same in XXXX. I 'm not sure about prior to that. If Equifax can not provide the free, annual report online like the others do, please close them down! They have already caused enough anxiety and worry for consumers with their massive breach, which they failed to disclosed when they found it. I want my report online ; or I want Equifax to assume 100 % liability for any identity and/or financial problems I incur with my personal information being required to be sent via the XXXX. Thank you.
Product: Checking or savings account

I have two high yield savings accounts with a value of $ XXXX with Citi. I have repeatedly tried to transfer $ XXXX to my XXXX XXXX account and spent hours on the phone. They keep saying my " funds are blocked '', refusing to give an answer on WHY. No idea why this is legal under our law.
Product: Money transfer, virtual currency, or money service

I was using Zelle and the money was transferred incorrectly there was no warning or advice or double checking I was not able to get the money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of 2022 and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately
Product: Checking or savings account

HI, My name is XXXX XXXX and i had a checking Account with BOFA and they closed the account and the next day my paycheck was deposited and Stimulus check as well, its been more than a month and they didnt let me withdraw the amount from the bank and told me that they will send a check to me and i didnt receive any check till now. and i have lot of debts due to Covid as i lost my job. i just called the BOFA agent and she says if i dont receive the check in 10 business days then i have to wait for 120 days for the check to receive. 
its really difficult for me to survive and i depend on my paycheck with a XXXX XXXX old baby. 
so please do the needful and in getting my check as soon as possible. 
am not bothered y they closed my account only bothered/concern about the delay in sending my check.
Product: Credit reporting or other personal consumer reports

JPMCB CARD, Closed, Balance, {$1000.00}, Updated on XX/XX/year> XXXX Disputed online twice and asked for original wet-ink signed contract, my data was breached by XXXX and XXXXXXXX XXXX  in XXXX XXXX XXXX My information has been published all over the dark web and wasn't aware of the breach due to unfortunate accident when a lady ran me over while riding my bike. I believe that his account is fraudulent, I called the company to advise them of the situation and they gave me big attitude when I asked for the proof of contract and also asked how they validated it from the disputes I filed with XXXX. I'm a XXXXXXXX XXXX and do not deserve to be treated like this, nor anyone else for that matter. Point being I've disputed, called ( rudely unprofessional to say the least ) and reported fraud, also gave them the police report filed in XXXX XXXX. I have also wrote the company 2 letters, notarized and certified mail and ready to send my last and final before with the intent to sue if this company doesn't comply with legal and lawful requests held under the FTC and CFPB, local and state laws.
Product: Credit reporting

There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation
Product: Credit reporting or other personal consumer reports

Submitted documentation for name change in XX/XX/XXXX and XX/XX/XXXX. Second request was approved but have not been able to view credit report. Called equifax customer service and they claimed my name was updated in their system and website was a glitch, and that it would updated on the website within a week or two. Emailed Equifax customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and did not receive a response. 

Attempted to view credit report on myfico today ( XX/XX/XXXX ) and could not view report due to equifax reporting old name. Checked XXXX and all old disputes have been deleted and name has been reverted. Resubmitted dispute and documentation, waiting to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTES I've tried numerous times to remedy this with TRANSUNION. TRANSUNION has done nothing except delay. They had earlier said that the accounts had been verified. I am once again requesting that TRANSUNION give me with documentation indicating that I am LEGALLY OBLIGATED to pay this supposed debt. TRANSUNION has received identity information on several occasions. Please take in mind that this is causing financial difficulty. Failure to reply in an appropriate and lawful manner will result in further legal action. Failure to react within 14 calendar days will be seen as your acceptance of the debt 's illegitimacy. Please confirm and give evidence that I am " LEGALLY OBLIGATED '' to meet these apparent commitments. " HAVE BEEN VERIFIED '' is a basic response. Respectfully delete the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX added a bogus collection to my Experian account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my Experian Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe. I tried to dispute it online with Experian, but I kept getting the error that's attached on the website and on the app. I had to call Experian Customer Service, and they couldn't tell me why I wasn't able to dispute anything. She told me that she opened a dispute on my behalf, but it appears that they did not do any due diligence, because there is no way this debt is real. I've even googled the company and I can't find their website.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card, my ill on the cruise was XXXX, when I got home checked my credit card there was charge from XXXX XXXX company for {$6800.00}, I dusputed with Bank Of America, XXXX send a fake receipt that it was charged on XXXX of XXXX, I got mt last bill after checking out, it clearly say 's final, Bill
Product: Credit card

I receive a hard inquiry on credit score on XX/XX/2024 from Goldman Sachs bank for credit card and on XX/XX/2924 an attempt was made to open account with Goldman Sachs XXXX and Goldman Sachs Apple Card. I did not authorize or recognize this information. Its fraudulent and identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX have been reporting information to my credit files, XXXX, XXXX, and TransUnion. 
In accordance in the fair credit act. These creditors have violated my rights under 15 USC 1681 section XXXX. It states I have a right to privacy. Also 15USC1681 section XXXX section XXXX states consumer reporting agencies can not furnish an account without my written instruction. 

Thank you, XXXX XXXX