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

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Product: Mortgage

On XX/XX/XXXX I received an insurance check for a roof leak. This check was for {$5600.00} and the adjuster report shows predominantly painting and mold prevention. Damage began in XX/XX/2018. I immediately mailed the check to my mortgage company, Arvest and made an appointment with my painter to repair. The mortgage company is on the check along with my name. I also signed a form they wanted and included the adjuster report. Currently they will not answer my e-mails. I've cancelled my painter twice. I have never been even a day late on my mortgage payment. Please help, I need these black spots on my ceiling repaired. Their e-mail is XXXX. Phone is XXXX. I've spoken to them and they told me the check was put in the mail on XX/XX/2018. I do not have a check.
Product: Credit reporting 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 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

CITI Card recd two payments approx {$4500.00} and {$4800.00} back in XXXX of 2018 from a ID theft Citi purposely added the balances to the card instead of deducing them After approx 45 days the payments were reversed for some reason Citi will not furnish any info as to routing nos acct nos etc so I can file police report They have tried to correct the balance but the bal is still showing approx. {$8400.00} and it should be around {$3800.00} In the mean time they are still reporting the bal Fraudulently Citi has agreed that that they have a breach of security and to do further damage they have added the {$4500.00} and the {$4800.00} to the bal again bring the bal now to over {$17000.00} It is obvious that I have not charged anywhere near these amounts to the card I have made all payments as required except the last two XXXX and XXXX due to there lack of concern I have constantly complained to Citi with no response There are some fraud charges to the card that have not been addressed to date
Product: Credit card

I called SUNTRUST last XX/XX/XXXX, and they said that they called the phone number on file, which was also part of thier investigation, and they suspect that it's fraudulent since no one answered. Moreover, the investigation is still ongoing, and I provided them with my phone number in case they call back. 

I called the bureaus the same day, and they said that they couldn't provide any details on the account unless we had the account number. They advised me to call the creditor to get more information regarding this. I called SunTrust but was directed to Truist Bank. I wasn't authenticated because they would like to know the year, make, and model of the car or the credit limit from the trust bank. But they said that Suntrust does not exist anymore because it is now part of Truist Bank. 

I called Truist/Suntrust Bank again last XX/XX/XXXX and provided the account number showing on the pulled report last XX/XX/XXXX I gave the number to Truist Bank , and they confirmed that this is now part of Truist Bank . This was closed in XX/XX/XXXX. 

They reviewed the account, and thier is a notation that it was reported way back in XXXX that it was fraudulent, which is why the account has been purged or closed. They will file an ID Theft form on thier end. They will also dispute it to the bureaus directly to remove the account, and Truist Bank will be the one to communicate with the bureaus to remove it. An investigator will contact me if additional info is needed. If not, they will send a letter of confirmation for the ID theft result. 

However, I didn't receive a letter, so I called to get an update ; they advised me that the case had been closed and that they couldn't delete it from the credit report even though it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing reports from XXXX XXXX XXXX XXXX, but i did not give Equifax permission to do so. Pursuant to law 15 USC 1681b ( In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Equifax has violated my rights and broken the law because I have never given Equifax my written instruction to furnish this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Product: Mortgage

Several financial institutions are stalling/deny my application for a home loan pre qualification. 
After receiving notice to contact this institution via Dear XXXX XXXX : This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau XXXX CFPB XXXX for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX Box XXXX XXXX, IA XXXX Via Federal Reserve XXXX USDA WELLS FARGO XXXX BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion and XXXX have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint as a follow up to the CFPB in regards to these fraudulent items that I have been repeatedly request the XXXX, EQUIFAX and XXXX to kindly expunge these items below from my file. And as it have been months of repetition of sending letters of request to remove these specified items. I am humbly asking immediate assistance to the CFPB for this issue that won't seem to end anytime soon. Please see the following items that I want nothing more but to BE REMOVED from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX EQUIFAX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt was sold after banks was filed with original owner. Reported to the credit agency as new dates and open account and new account. How can it be done after the law says its discharged. Second it hurt my credit score after trying to resablish my credit.
Product: Debt collection

About a year ago received notice by credit reporting application credit karma that medical collection was place on my credit report. I reached out to agency letting them know that it was not me and it is still on my report, and it is now stopping me from obtaining suitable housing
Product: Debt collection

LVNV FUNDING LLC Balance {$730.00} Updated on XX/XX/2024 this debt isnt mine i have never signed up with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. 

In late XX/XX/XXXX I received a collection notice from Sequium Asset Solutions , LLC. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. 

Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I have been unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have not had the ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process. In fact, the stay-at-home order was not rescinded until XXXX XX/XX/XXXX and my state continues to operate under a a state of emergency declaration pursuant to Executive Order 2020-106 issued XXXX XX/XX/XXXX, and superseded by Executive Order 2020-127 issued XXXX XX/XX/XXXX by the Governor of the State of Michigan. 

I do not owe the alleged amount.
Product: Mortgage

My original mortgage holder was XXXX and they went into bankruptcy. As a result my load was moved to a second hand horrible company called newRez or Shellpoint Mortgage Services I am really unsure. Their phones all say they are a debt collector not a mortgage company. In XXXX XXXX stopped taking my payment and NewRez/Shellpoint was not taking payments until after XX/XX/XXXX. I received a notice of default and intent to accelerate on the XXXX of XXXX. I did not receive a bill, or any other form of communication from them until this. I immediately called and paid. Confirmation # XXXX I was told my account was in good standing and that i had 60 days before it would have been reported. 

The next week I received a call from my assigned point of contact XXXX XXXX phone number XXXX ext. XXXX stating she needed to speak with me about my defaulting loan. I have tried numerous times to contact her and have not been able to. Today I received a certified letter stating " Notice of default and intent to accelerate '' I was unable to pay my mortgage to my old company and the new company was not taking my payment. Their online payment center has never operated correctly. This is now becoming harassment. I have called and spoken with 2 other agents who verified that the account was up to date and no past payments were due. I am not sure what to do from here but this is absolutely ridiculous. They need to leave me alone. They have their money.
Product: Checking or savings account

PNC included a free safety deposit box with my premium virtual wallet account when I opened my accounts about 15 years ago. This year, they are charging me {$88.00} with a payment due date of XX/XX/22.
Product: Credit reporting or other personal consumer reports

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account Due to Repeated Charge-Off Reporting Violations I am writing to file a formal dispute regarding the repeated and inaccurate reporting of a charge-off on my account with XXXX XXXX Account Number XXXX dispute concerns multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates accurate and timely reporting of credit information.

Details of the Dispute : Charge-Off Reporting : The account has been marked as a charge-off for the months of XXXX through XX/XX/2025, without any change in the status or developments. The charge-off status should have been reported once and updated as needed. However, it has been reported repeatedly, which is inaccurate and violates the FCRA Section 1681e ( b ). 

Violation of FCRA : Under the FCRA, it is required that credit reporting agencies report accurate and complete information. Continuously reporting the charge-off status month after month is misleading and inaccurate, and it harms my credit profile. 

Failure to Correct : the information has not been corrected. The continued reporting of this account as a charge-off for more than a year without any updates is detrimental to my credit standing.
Product: Checking or savings account

About my account because until now my money I can not get to the bank more than two years since they are deposit on my account and then I receive a message from the bank about my account and sed the transfer is going through the third part
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX acc:XXXX  date : XXXX owed : {$4500.00} XXXX XXXX XXXX  acc:XXXX  date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX accXXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX acc:XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$60.00} ; XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification and was denied. I have never had a modification.Filled out all paperwork and wrote up statements about my financial situation. Im a XXXX XXXX vet I served in the XXXX XXXX and the XXXX XXXX. I have XXXX XXXX discharges.Very sad to treat someone this way.
Product: Mortgage

To whom it may concern ; I file this complaint with the CFPB as I have exhausted every other attempt to rectify a great economic injustice, more accurately described as a deceptive ongoing theft, that I have been and continue to remain the victim of. This financial crime has, to this point, cost me in the neighborhood of {$300000.00} by my rough estimate but could perhaps be as much as {$500000.00}. As part of this complaint I will be asking Wells Fargo and its predecessors, the perpetrator of this deceptive economic deception, fraud, and financial chicanery to fully account for the amounts they have effectively stolen, and continue to steal from myself, and by extension my wife and children. 

I have documented the issues in this complaint in the attached document as not enough space is provided in this form
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Vehicle loan or lease

In XX/XX/XXXX I went to XXXX XXXX after I was given a pre approval for the vehicle that I purchased. With the prapproval I was to put down XXXX dollars and I would have a XXXX dollar monthly payment. After getting there I was passed around to different employees and then after my credit was run for the 37 time I was to put down XXXX and they told the extra care for the car was part of that. Without showing me the total numbers by distracting me with the fact that they did not understand my retirement pay/ XXXX XXXX XXXX pay. I was moving across the country and needed a truck. So I paid the amount for a down payment and was told off to the side to file my military paperwork with Exceter Auto Financial. But they will not help me get a new interest rate. Currently its 27 % and Im afraid that Im going to lose my trAnsportation. I filed again with Exceter fianc on XX/XX/XXXX again. I was told that my military paperwork didnt matter and threatens me. I told them I just went through a XXXX retirement and thats was a couple of months before and I was still in transition. I felt that I was intentional told one thing and made to feel like the down payment would resolve the high payment after I paid for the XXXX XXXX. Which now I figured out that I never had.