23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TO WHOM IT MAY CONCERN XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX ACC # XXXX Inquired that is not mine XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Dispute of Account and Request for Validation To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Portfolio Recovery Associates, This letter serves as a formal dispute of a debt you are attempting to collect from me. I am writing to inform you that I have no knowledge of this alleged debt and have not had a prior opportunity to dispute its validity. 

Furthermore, you have violated the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in several ways : Failure to Provide Validation Notice ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have not received the required validation notice outlining the debt details and my rights to dispute it.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : You have not provided a fair and accurate opportunity to dispute the legitimacy of this debt.

Improper Furnishing to Credit Bureaus ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : You have reported this collection to credit bureaus without providing the legally mandated disclosures. 

Due to these violations, I demand the following : Cease all collection activity on this account until the dispute is resolved. 

Provide a copy of the certified mail receipt with my signature, if you claim to have sent a validation notice within 5 days of receiving this debt from the original creditor. 

Furnish a complete debt validation package according to the FDCPA, including the original creditor, account origination date, and a breakdown of charges. 

Forward a copy of the XXXX tax form associated with this debt. 

I will be pursuing all legal options available to me if you fail to comply with these demands. This XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the relevant credit reporting agencies. 

I expect a written response within 30 days of the receipt of this letter, which should detail your actions to address my dispute and rectify the violations mentioned above. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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

Chase Bank closed my account after I deposited several checks in early 2021 with no explanation as to why. I have called customer service, been into branches and have been given the run around.. It has now been over a year and Chase Bank still has not sent a check for the balance that was in my account.
Product: Checking or savings account

Money taken from account and no number for customer service. I think they have one now but didnt then. I want the money I deserve from the settlement after being a customer for many years
Product: Credit reporting or other personal consumer reports

this walmart collection account has different opening dates on my credit report which is not accurate and illegal
Product: Mortgage

Working with Shellpoint Mortgage Company on a loan modification since XX/XX/2019. 
The loan modification was denied on XX/XX/19, but in the loan modification denial letter it states I have until XX/XX/19 to submit an appeal letter. 
The appeal letter was submitted on XX/XX/19 to Shellpoint Mortgage loss mitigation department. 
Received two certified letters from USPS today XX/XX/19. The certified letters were dated XX/XX/19. Attached to the letters were Foreclosure filings with the County of XXXX on XX/XX/19 @ XXXX XXXX with fees of {$100.00}. 

How can this be when the loan modification appeal is not completed and I submitted the appeal before the XX/XX/19 deadline?
Product: Debt collection

I had an American Express opened under my SSN which was not me.
Product: Credit card

In XX/XX/XXXX, I had applied for a Victorias Secret credit card. I only made one purchase with this credit card and the purchase was for {$14.00}. I made the {$14.00} payment two weeks after using the card approximately one month later in XX/XX/XXXX I called the Victorias Secret customer service number to cancel my account with them due to the fact that I dont shop at that store quite often the woman I spoke with confirmed with me that the Victorias Secret account was closed and that I would have no further payments in the future. Approximately four or so months later I received in the mail that I had an outstanding balance of {$370.00} in late fees. I called again around XX/XX/XXXX and spoke with a manager in regards to the outstanding balance. We came to an agreement of paying {$100.00} towards the balance and that the rest would be removed. I paid {$25.00} and called 2 weeks later to pay the remaining agreed balance. The {$25.00} was taken but they didnt take out the rest. I called again later that week and spoke with the manager and he said that it was sent to collections and to take it up with them. I have never had a payment before this situation and even after this issue I have never had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me
Product: Bank account or service

I sent a complaint about TD Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( TD Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again.
Product: Credit card

On both XX/XX/2023, and XX/XX/2023, I applied for a credit card with Capital One. However, to my surprise, I discovered that these applications resulted in hard inquiries on my credit report. Unfortunately, during the application process, there was no clear information provided that these applications would have a direct impact on my credit score through hard inquiries. 

Understanding that credit inquiries are a standard part of the application process, I believe it is essential for customers to be adequately informed about the potential consequences, especially when they involve hard inquiries that can affect credit scores. Regrettably, I did not receive sufficient information about this impact during the application process. 

I kindly request that you review my account and take the necessary steps to remove the hard inquiries associated with the aforementioned credit card applications from my credit report. Having accurate and transparent information about the impact of such inquiries is crucial for consumers, and I believe this adjustment is necessary to ensure fairness and transparency in the credit application process. 

If there are any further details or steps required from my end to facilitate this request, please let me know. I appreciate your prompt attention to this matter and look forward to a timely resolution. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix a problem with my Equifax. XXXX XXXX  XXXX account for over a year. I now have 2 accounts. 1. '' XXXX XXXX  XXXX '' and 2. " my Equifax ''. Both of the accounts I am unable to access online and when talking with customer service I have been given the runaround at least 6 different times. Every time I speak with them they tell me it will be resolved, and each time I try to access the account I get an error message to call in. Each time I spend at least 1.5 hours on the phone with them and still nothing is resolved!
Product: Debt collection

Checked my credit report and saw a debt to Affirm. 
This is a result of identity theft and I have not received any service or benefits from Affirm.
Product: Student loan

XX/XX/XXXX - I called EdFinancial and submitted a request for a {$5500.00} student loan as part of the CARES Act. My address was never confirmed and I received no confirmation of the request. 

XX/XX/XXXX - Loan balance is updated to show {$5500.00} on my EdFinancial account. I reached out to Edfinancial who says my refund request was submitted to XXXX and should arrive soon. 

XX/XX/XXXX - I still have not received the refund check in the mail. I reach out to Ed financial to notify them I have not received my funds XXXX - Ed Financial replies saying the funds will be sent according to Department of Education timeline. I call to inquire about this timeline. EdFinanial states there is no set time frame for this and says to " expect delays in receipt of funds '' even though it was XXXX and my request was submitted in XXXX XX/XX/XXXX - I email EdFinancial and ask for my refund request to be canceled since I still have not received funds. They state they can not cancel the request, yet have no timeline on when I will get my request. I then submit an initial complaint to CFPB. Complaint # XXXX XXXX - After my complaint, I received a letter from EdFinancial stating my return was canceled due to an incorrect mailing address, despite not notifying me of this prior. They then verified my address and on XXXX " removed '' the request payments from my account ( even though the balance had already been on the account for months ) and said they are processing my request and to please allow 45-60 days for my refund to be processed and issued to me by XXXX. 

XX/XX/XXXX - It has now been 74 days since this stated timeline and I still have not received my check or any updates from Edfinacnial. With the blockage of student loan forgiveness, these loans will soon begin to create interest and require payments. I will actively have to pay a loan for which the funds were never disbursed. Edfinancial is offering no solutions and it has now been 207 days since I initially submitted my request. My loan balance was also updated 6 months ago despite never receiving the funds.
Product: Checking or savings account

Hello. I recently sent a dispute to American Express Bluebird regarding unauthorized ATM transactions. They said they havent received my dispute letter. So I will send it through CFPB so I know they will receive it. Im missing around $ 3,000+ In my account. Im attaching the letter I sent. The transactions Im disputing are in the letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX, XX/XX/XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent inquiries on my credit report. Those inquiries consisted of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016, I purchased a brand new XXXX XXXX XXXX at a full price of {$750.00} from a XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MA, XXXX. As part of the transaction, I traded in a used XXXX XXXX for a value of {$9.00}. This credit was applied to the cost of the new phone. Even though I was able to, I was told that I could not pay the entirety of the full amount at that single transaction. {$600.00} of the total cost was financed through XXXX, and I paid the remainder ( minus the {$9.00} credit, plus a tax of {$46.00} ) which came up to {$180.00} to XXXX XXXX. I went home that night and paid the {$600.00} which had been financed ; I paid it online through my XXXX account. This completed payment of the full cost of the phone. On XXXX XXXX, 2016, I switched my phone service from XXXX to a more affordable service, and did not incur any penalty fees with XXXX, because my plan with XXXX was on a month-to-month contract and I was free to switch anytime. I received the first letter from XXXX XXXX dated XXXX XXXX, 2016 ( letter attached ), stating that I owed XXXX XXXX {$200.00} for terminating my service. I wrote them back on XXXX XXXX, 2016 ( letter attached ) disputing this claim and asked for proof of my debt. XXXX XXXX wrote back on a letter postmarked XXXX XXXX, 2016 ( letter attached ) reasserting that I owe {$200.00} and falsely claimed that they had sent me the purchase agreement I signed during the purchase of my phone. I wrote back again on XXXX XXXX, 2016 stating that they did not send the document and I reasserted that I do not owe them {$200.00} and asked for them to send the document if they have it so that I can address the matter further. In the meantime, XXXX XXXX retained a law firm, Aldolus & Associates, to collect this debt from me. The law firm reached out by phone and when I asserted that I was incorrectly being asked to pay a debt I did not owe and that I was not going to pay it, they threatened to report the debt on my credit report. I told them I needed proof of the debt and they told me to send a written request before proof can be sent to me. I received a follow-up letter from Aldolus & Associates dated XXXX XXXX, 2016 ( letter attached ) about the debt and I sent the written request for proof of the debt on XXXX XXXX, 2016 ( letter attached ). I am yet to hear back from Aldolus & Associates, but XXXX XXXX finally sent the purchase agreement which I signed, postmarked XXXX XXXX, 2016 ( agreement attached ). The Wireless Device Agreement section of the purchase agreement ( beginning at the bottom of page XXXX and ending at the top of page XXXX ) clearly states that only if a customer receives a discount on the phone from XXXX XXXX and also terminates service with XXXX before the end of 185 days, that customer would owe XXXX XXXX an early cancellation fee of {$200.00}. I never received a discount on the phone from XXXX XXXX, so this section of the agreement does not apply to my transaction with XXXX XXXX and I have been wrongly charged a fee of {$200.00}.
Product: Credit card

Applied for and was granted a credit card but changed my mind and never payed program Fee or used card
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my account and transunion is allowing this company to raise an increase of {$250.00} weekly. I dont own this account and its being reporting weekly on my account as late by {$1000.00} a month.
Product: Checking or savings account

I was a victim of a scam applying for a job ( Data entry ) XXXX XXXX wich is a company from XXXX, they sent me a check for {$4900.00} dollars, They send me this check for computer, printer and materials for the job, which I deposited in my Bank of America checking account on XX/XX/2022, the scammers told me that the check could be cashed in XXXX hours and indeed Bank of America gave me all the money from the check, the scammers asked me to withdraw the money to buy the computer, printer and all the materials and that they were going to tell me where, then they changed their mind and told me that the company with which they bought the computer and equipment received only bitcoins and they made me buy bitcoins at an ATM, I was able to buy {$2900.00} before someone told me it was a scam, I went to Bank of America and they said yes, what it was a scam, so they told me to deposit the remaining {$1700.00} into my checking account so I wouldn't lose all the money. On Monday, XX/XX/XXXX, the check was bound and my checking account was negative ( - {$2.00} ), I called Bank of America and they told me that if I did not pay they would close my account, they offered me to transfer the debt that I have with them to a credit card and that's what I did. My question is : how does the bank allow its customers to cash checks the next day without verifying if they are good checks? And if Bank of America knows that this is a type of scam, how do they allow their clients to fall for them without warning them? In my opinion, Bank of America has responsibility for this type of scam but they do not accept it and allow it to happen! I don't want this situation happen to another person. I already reported this situation to the police. Report # XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY, I REVIEWED MY CREDIT REPORT AND IDENTIFIED SERVAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. FROM MY UNDERSTANDING THAT YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT TO ENSURE ITS ACCURACY. HERE IS THE ACCOUNT THAT IAM ASKING YOU TO VERIFY AND VALIDATE. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX
Product: Payday loan, title loan, or personal loan

I been getting around 8 calls per day to my cellphone, work and coworkers about a loan and keep getting automatic calls from a XXXX area code and saying they are federal agent and to contact them and leaving voicemail that there have a warrant and even gave me a docket number from court on voicemail. started on dates XX/XX/2019 and have been going on from them on.
Product: Credit card

Bank of America/ MBNA did not follow through regarding a payment plan as described. I have been following up requesting information and communication in writing, and MBNA refuses. This is causing me XXXX and damages.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Around XX/XX/2007 my wife XXXX XXXX and I applied for a home mortgage from Wells Fargo Bank. Wells Fargo Bank in order for us to receive the loan with them required my wife and I to take a line of credit also.

Wells Fargo told my wife XXXX XXXX that in order to get the loan, the first loan on the house they were funding us for ( XXXX XXXX XXXX XXXX XXXX Ca ) we must take the line of creidit which will be like a second loan on the house.

Our mortgage with Wells Fargo would be conditioned, would only be granted if we took the line of credit - Were they ( Wells Fargo ) desirous of us using the line of credit and ultimately having to pay them interest fees on the line of credit?

I hypothesize so. Entrapment.

The issue is our home loan would only be granted if we agreed to their demand we take a line of credit.

The salesperson exploited my wife XXXX.

Evil. Evil. Give the customer the line of credit and hope they do not pay the full amount and charge them interest. Buyer beware indeed!!!!
Product: Credit reporting

I have disputed information with Experian credit reporting agency and each of the listed creditors with documentation of errors listed on my credit report and the errors are still listed on my Experian Credit Report. I called Experian on XXXX/XXXX/2016 and spoke with a rep named XXXX and he stated that they contacted the creditors and the creditors state the information is accurate even though the report is showing the errors.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX