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

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Mortgage

Modifcation errors. No one made any effort to correct the account and continues with XXXX XXXX, Executive Resolution Specialist in Customer Care and XXXX XXXX. In reference that was told by XXXX that Miscellaneous Fees assessed XX/XX/2006 of {$4700.00} was because of Wells Fargo Home Mortgage initiated foreclosure as allowed by the terms of your Note of Security Instrument on XXXX XXXX was told was due for XX/XX/2006 XXXX XXXX, XXXX payments. Payments was not even applied to account customer acct activity statement. I was told by XXXX that the foreclosure action is allowed by the mortgage documents and applicable laws. I was not informed of any fees nor any foreclosure shouldn't of taken place. I have been getting wrong information miscalculations and errors on this loan. On the U.S Department of Housing and Urban Development form doesn't have a checkmark of which type of loan this was if Conventional or FHA. I was told was XXXX XXXX Conventional loan.
Product: Credit reporting or other personal consumer reports

My personal information was used to create accounts without my permission. I have obtained a letter from the court informing me they have not verified or report to third party reporting agencies.
Product: Credit reporting or other personal consumer reports

There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ]. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

I'm BofA customer XXXX XXXX On XX/XX/XXXX I sent wire XXXX USD transfer ( XXXX USD XXXX XX/XX/2022 ) from my account with XXXX bank XXXX XXXX XXXX to my BofA account As of today, this wire transfer hasn't been credited!!! 

I have started investigation with XXXX bank and they have given the following answer : According to XXXX  XXXX Tracker transfer ON HOLD at BANK OF AMERICA , N.A . BOFAXXXX ( XXXX XXXX ) since XX/XX/2022 WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE. 

Recently I've been calling BofA Foreign Currency Cash Investigation team. They've given me case number XXXX XXXX and promised to help but nothing happened since then, either anybody contacted me.

I also send complaint to BofA Regulatory Complaints of Bank of America. They acknowledged recepit of my complaint on XX/XX/XXXX but didn't do anything since that time. My several follow-up messages and phone call were not answered It looks like that BofA is not taking any action to credit the incoming payment and is ignoring requests from myself, sending and correspondent banks Attached please find copy of XXXX tracker
Product: Payday loan

I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XX/XX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all 3 consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX pulled my report without my written consent pursuant to 15 USC 1681b ( 2 ). When I did provide EQUIFAX with my written consent, they did not follow my instructions. I was given a hard time as well as severe damages to my consumer report. After going back and forth with EQUIFAX, for awhile, some inquiries and accounts were deleted. A deletion is admission. Inaccurate information shouldnt have been on my consumer report in the first place. I did not give my consent for any of it to be there. Thats a violation. I am seeking monetary relief Pursuant to 15 USC 1681n. ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I am attaching an invoice to be compensated for the violations.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, a Flex Loan was taken on my Citi Bank credit card without my authorization, then sent to my XXXX XXXX  checking account and directly sent to my XXXX XXXX  account and from there disappeared to someone named XXXX XXXX XXXX. 

It was done in a matter of a day and then completely disappeared. Citi Bank is saying that we need to pay back the Loan and keeps adding interest every month at a very high rate.

I don't know where else to turn.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

On XX/XX/2021 my credit was used at a fast food location for the amount of {$22.00} that I was not even in town to authorize. I submitted the fraud dispute and even got a new credit card to avoid further fraud activity. Bank of America looked into and I received a letter saying they did not find any fraud activity. I called Bank of America after receiving the letter and they just kept transferring me to different departments. I explained to them I was not in town to authorize the charge and didnt even get fast food that day. But Bank of America decided to allow a fraud to take place. If they cant protect me from a small amount as this transaction would I even be protected if other fraud activities occur?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy federal credit union, refuses to release my fund 's. She called me out of my name. Very rude to me. I just want ti close my account and be done. ]
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 
XXXX. ( XXXX Account number XXXX ) XXXX. ( XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX Account number XXXX ) XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX XXXX- ACCOUNT NUMBER XXXX XXXX. XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX account number XXXX XXXX. XXXX account number XXXX I would like these accounts removed if no evidence is provided that I was notified XXXX  days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. 
ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

I made attempts to submit a dispute with equifax concerning the inquiries and making updates to my new address.
Product: Credit card

We filed XXXX XXXX Bankruptcy and Mercury is still trying to pull my payments. It even shows Bankruptcy under the account in my credit report.
Product: Checking or savings account

I banked with Bank of America years no problems at all years I lost my card didnt know till like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXXXXXX XXXX I would never write bad checks in my account never I have a business I cant even get proper business structure now cause of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a credit inquiry made to my report by Credco on XX/XX/2016 that I did not authorize. I contacted XXXX XXXX XXXX to inquire on why there was an inquirie to my report a year and months after I had, had any dealings with this company without my consent. I was advised that they did not pull my credit however my report states otherwise. This is a tote the note car lot and as many know when you have not so good credit or no valid drivers license these are the types of car lots to go to but unfortunately these types of car lots don't have the most reputable history. I have not gotten anywhere with the removal of this inquirie and it has cost me points to my credit score that has been damaging. This company had refused me my rights and it is disheartening to say the least.
Product: Student loan

I have applied for IDR plan in XX/XX/year>. I followed up with XXXX. They told me to go through Mohela. I started getting bills for {$400.00} a month, I called Mohela and they put me on a temporary forbearance. I tried applying for an IDR in XX/XX/year> through XXXX XXXX and through Mohela. Theres not a current way to apply online and Mohela said its because of the SAVE plan issues. I attempted to fill out a paper application and upload it to Mohela or XXXX. Neither has a way to upload the application. Its ridiculous that theres not a way to apply for IDR and have it be approved right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XXXX, I XXXX XXXX, submitted an application for a delivery job, with a company called XXXX. This company, uses a third party, for completing background checks, named Checkr. Checkr received my details on XXXX, and stated that my criminal checks would be completed by, XXXX. Upon checking the status of my report on XXXX at XXXX, the completion timeline was then updated to XXXX. I reached out, and only received generic computer generated responses. Then upon checking my report status at XXXX on XXXX, my completion date was AGAIN UPDATED, and is now showing XXXX. This is messing with my income, and good standing as a job applicant!! I again reached out, and received the same response. Stating they could not provide any details of a completion date, or expedite this process! I KNOW FOR A FACT MY CRIMINAL RECORD IS SPOTLESS!!! I CAN NOT GET ANY HELP FROM Checkr, and I am stuck in limbo, looking bad to the company that I am trying to get a job with! Can someone please help me?!
Product: Debt collection

This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help
Product: Credit reporting or other personal consumer reports

I was in the process of a loan modification and required to make 3 trial payments, which I made as directed. 

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit. 

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.
Product: Money transfer, virtual currency, or money service

I sent XXXX $ from my XXXX  account to my PayPal XXXX XXXX  XX/XX/year>. My account is on a permanent restriction so XXXX cant even access any of the funds. I called them and they said I may be able to access the funds in XXXX days. I need this process to be sooner. The account is on hold because someone sent me money and disputed it when I wasnt the one who told them to send money to my account.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has unknown inquiries on my credit report and its holding me back from loans mainly from experience. I cant obtain anything and experience loads inquiries on my credit report for no reason I do have evidence. My experian credit report doesnt add up with my XXXX XXXX XXXX XXXX credit report so therefore, experience is all the way in wrong for them to have my credit score like that also its giving me and my family mental anguish. I cant even get a proper loan from anywhere having car problems. Im back on rent and its a lot of other things thats going on in my life this just top it off and I just want remedy tired of looking at my credit score because experience thats the only one thats low. The other two are proper experience has wrong information and they miss using my credit score and information which is putting mental on me and my family
Product: Mortgage

So my wife and I had a second mortgage ( heloc ) with BOA we were in bankruptcy in XXXX and made all the payments and finished it in XXXX we carry on paying first and 2nd mortgage then in XXXX last year we tried to refinance but we we're told they could not find anything on a heloc or 2nd mortgage so we called BOA i and was told the account was charged off in XXXX so I dig some digging and found that they had filed a substitution of trustee and full reconveyance in XXXX. 
After exhausting all calls to BOA to no success I am making this complaint I am kind of confused that it was charged off and also ourself and our bankruptcy attorney was not notified by letter or anything and damaging our credit score for XXXX years for no reason also they will not tell us if it needs to be payed or not
Product: Student loan

I am writing to formally request validation of the debt that you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I received your communication regarding this debt on [ date of initial contact ], and I am requesting written verification of the following details : 1. The amount of the debt, including a detailed breakdown of principal, interest, and any fees.

2. The name of the original creditor, along with documentation proving that this debt is valid and belongs to me.

3. Proof that your company is authorized to collect this debt, including a copy of the agreement that grants you the right to collect on behalf of the original creditor or proof of ownership if the debt was sold to your company. 

Please note that I am not refusing to pay but am requesting validation to ensure the accuracy of this debt. Until this validation is provided, I request that you : Cease all collection activities, including phone calls, letters, and reporting to credit bureaus. 
Refrain from sharing inaccurate or unverified information with any credit reporting agencies. 

If you are unable to provide the requested documentation, I request that you immediately remove any references to this debt from my credit report and confirm this in writing. 

Please respond to this request in writing within 30 days. If you fail to validate the debt as required under the FDCPA, I will explore all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general, as well as seeking legal recourse if necessary. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My father passed away earlier this year in XXXX. I am his sole beneficiary, POA on the account, and am managing his estate. I have provided documentation and death certificates to Citi to prove that the account owner is deceased. 

Over the course of the last three to four months, I have been trying to close my father 's checking account with Citi Bank. On numerous instances with online chat and over the phone, the request has been denied. They have assured me multiple times that the account will be closed, but each time it remains open. Now, they have started assessing fees ( $ XXXX ) to the account because there is no balance in the account. 

I have made an earnest effort to close the account to no success and I am hopeful that the CFPB can help close the account and put an end to this drawn out process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on a letter that I sent to Experian on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Checking or savings account

On XX/XX/2018 {$500.00} was taken from my checking account with Navy Federal Credit union for XXXX and transferred into a XXXX XXXX, Ms XXXX has a history of fraud and was claims to be realtor I have attempted to work with both Navy federal and XXXX on this with no luck I do have police report
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX, Inquiry Date : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Debt collection

Upon inspection of my credit report, I discovered accounts that were added without my consent. I ask that you remove them right away.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

formally request the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and I have already taken the necessary steps as outlined by the Federal Trade Commission ( FTC ). I have disputed these accounts with the credit bureaus and notified the respective creditors, including XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 

Despite my efforts, I have not received any resolution, and I continue to receive calls from debt collectors regarding these accounts, which I did not authorize. I have filed complaints with the FTC and IdentityTheft.gov, and I have hired an attorney to assist me with this matter. 

I urge you to promptly investigate these accounts and remove them from my credit report. I appreciate your immediate attention to this serious issue.