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

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request that you review it carefully. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] mandates the blocking of information resulting from a data breach or fraud.

FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and found that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the illegal reporting of my consumer information by creditors and/or third-party data furnishers. 

Please take immediate action to investigate and remove these fraudulent accounts and inquiries. I appreciate your prompt attention to this matter and expect a timely response in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXX XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXX XXXX XXXX XXXX was reported. These accounts were not opened by me, and I did not authorize any transactions related to them.

Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX Chase bank restricted all my accounts. The branch manager saw I had a SBA and PPP loan in my personal account. I have used my personal account for my business for the last 15 years. I am not required to have a business account. She said " I am not a business, and that I am not allowed to have these loans ''. She said I need to send her proof that I am a business. I sent her my schedule C 'Business Profit and Loss ' 1040 the following morning ( see attached ). She then requested my 1099. I sent it to her within 10 minutes of her request ( see attached ). She then said the only other form needed was the 2nd page of my 1040 ( see attached ) and that my account would be cleared. It was not. The branch manager is angered and refused to send the last document to the fraud department because I was not very nice to her for accusing me of fraud. I contacted the Chase fraud department and they told me I could go to another branch to send it in. Tuesday, XXXX I went to the XXXX XXXX branch in XXXX XXXX and had them submit the requested 2nd page. I called, and the fraud department said they did not receive it. So, Wednesday I went to a different Chase Branch and had the Branch Manager/Vice President XXXX XXXX ( see attached business card ) send it again. I called the fraud department 24 hours later, and they said they did not receive it.
Product: Mortgage

Wells Fargo has been saying for the last 2 years that I am missing a payment. I have contacted them every month and I hear the same thing. I sent them 7 years of dates and amounts of my payments. There aren't any missing. I keep hearing the same thing from everyone I speak to. They said I need to find it since they can't. I told them I can't find a missing pymt if it not missing. I have a case open XXXX XXXX XXXX ( not sure of the spelling. ) She has told me every week that they can't help me unless I tell them when the missing payment is. I am so frustrated with Wells Fargo right now. I keep getting letters saying I need to pay or they will take action. I seriously don't know what to do. I told her she needed to credit my mortgage {$670.00}. She said she can't do that. 
Please help They also tacked on fees for {$2600.00}
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. Payment was made to XXXX XXXX. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$7000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Debt collection

The person calling me is claiming to be a Mediator from a law office representing Santander Consumer USA for a truck that was repossessed in XXXX. This debt was handled in a XXXX XXXXXXXX bankruptcy that was filed in XXXX and discharged several years later. All debts were restructured and paid back. This included the original debtor, which was XXXX XXXX XXXX and Santander Consumer USA was a debt collector representing them at the time and they were notified as well. Since XXXX of XXXX, I have been receiving several phone calls from XXXX and they have been leaving messages claiming to send a sheriff out to my house with a warrant to arrest me if I do not contact them to pay off this debt of over {$15000.00}. I have spoken to them on several occasions explaining to them that this was included in a XXXX XXXX  bankruptcy, to which they have called me a liar and told me that don't care that I have a lawyer and that I am living in a XXXX XXXX. I have asked several times for documentation that a debt still exists and they tell me that I know it exists and that they will be suspending my DL for the state of Arizona and that a deputy with XXXX XXXX will come and arrest me and take me to jail on a warrant for my arrest. I have checked my credit report several times and I fail to see this debt even listed. I am tired of the phone calls and the nasty messages that are being left on my voice mail. Please do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a dispute with Transunion about the unverified account :XX/XX/XXXX Account number XXXX, XXXX XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you
Product: Credit card or prepaid card

I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called five times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXXXXXX  monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. I was informed that my account could not be reopened, with no other explanation or options. Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been $ 58 monthly. I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. That is why I filed this complaint. 


US Bank responded to this original compaint XXXX with no explanation. They only sent me two attachments of all my monthly credit card statement. They did not address any of my issues.
Product: Credit card or prepaid card

Hi I was reviewing my credit report and I saw a bmw on my credit report I dont know who took it out, I tried calling bmw they wont release the contract who signed for it I naver ever gave someone permission or authorization to take out a car the date is XXXX XX/XX/2020 XXXX loan Please help me out to report this
Product: Debt collection

Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XX/XX/XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to JH Portfolio Debt equities LLC. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from XXXX & XXXX who is trying to collect the debt of behalf of JH Portfolio Debt equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to JH Portfolio and Debt Equities LLC. 
3. Letter from XXXX XXXX XXXX XXXX collector. 

Thank you for your help. 

-XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor : JH Portfolio Debt Equities LLC XXXX XXXX XXXX File Number : XXXX Current Balance : {$870.00} Address : XXXX & XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX JH Portfolio Debt Equities. LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both TransUnion and XXXX  have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntiXX/XX/XXXX Account NameXX/XX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account that someone obtain in my name asking to verify that this account belong to me. This company still have yet to do so I have made numerous complaint with information verifying my identity this company has yet the give me and information proving this account belong to me please help me. thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with TransUnion about the information on my credit from XXXX XXXX. I called and requested the service be turned off because No one was in the home because my son was in the hospital for a XXXX, it was never done but they continued to bill me. TransUnion has left this on my credit report and has damaged my credit. XXXXXXXX XXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet TransUnion still has yet to act on my complaint. XXXX XXXX has a XXXX rating. Obviously TransUnion did not do a in depth investigation because if they had they would have found the complaints from the XXXX  and seen that it was the very same complaints I had. Per the XXXX  WEBSITE; On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX XXXX. I'm not responsible for this debt.
Product: Credit card

XXXX unwarranted charges were included in my XX/XX/XXXX.-XX/XX/XXXX 2015 Bank of America credit card statement : a {$31.00} late fee and a {$17.00} interest charge. A BofA representative, in a XXXX/XXXX/15 phone conversation, agreed to remove these charges which would be reflected in my next statement. 

In that BofA statement, received XXXX/XXXX/15, the {$31.00} charge was removed but not the {$17.00} charge. I again spoke to BofA this morning, XXXX/XXXX/15, and was told the {$17.00} would be removed from my account and be shown in the next statement. We shall see. 

Both charges were unwarranted and I have no idea what the {$17.00} charge is for. Bank of America has not acted in an ethical or honest business manner - which may be an oxymoron. Had I not diligently examined my statement, BofA would have benefited from the XXXX unjustified charges which is no doubt magnified by countless other unwarranted charges not disputed by those other clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ), 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and FCRA 623. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX : {$8800.00} : XXXX XXXX XXXX : {$3800.00} XXXX Original Creditor : ) : {$230.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$9500.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$3000.00} XXXX : {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$300.00}
Product: Bank account or service

I am trying to obtain a legible copy of a check cashed against my mother 's account on or about the day she passed away. I am an executor of her estate. There is a {$5000.00} discrepancy in the balance and I have not been able to obtain a legible copy of the back of the check. I have a copy of XXXX sides from the bank but only the front is legible. The back is too blurry to read. I will attach a copy for your review. I have contacted my mother 's bank and they state that sometimes " that 's the way the check copies are, and they do not know where the original can be found ''.
Product: Credit reporting or other personal consumer reports

NEW INFORMATION : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am writing to formally raise concerns regarding the handling of my student loan account ( Account Number : XXXX ) by the Pennsylvania Higher Education Assistance Agency ( PHEAA ). It has come to my attention that there may have been a failure to comply with applicable Federal Regulations, specifically the Family Educational Rights and Privacy Act ( FERPA ) and recent enactments by President Biden aimed at safeguarding financially vulnerable borrowers like myself. 

In light of the recent legislative changes, President Biden has introduced protections to mitigate the adverse consequences of missed payments for vulnerable borrowers. This includes a 12-month " on-ramp '' to repayment period, spanning from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time, borrowers who fail to meet their monthly payment obligations are not to be considered delinquent, reported to credit bureaus, placed in default, or referred to debt collection agencies. 

I must bring to your attention that I do not recall the stated loan, nor have I been notified of any scheduled repayment obligations concerning this account. This lack of communication and documentation has left me unable to verify the legitimacy of the claim or to understand my obligations fully. 

Therefore, pursuant to the regulations mentioned above, I hereby request the following : Immediate provision of copies of the original promissory note associated with my account, along with all attachments, disclosures, and any other relevant documentation. This is essential for verifying the debt and ensuring that all parties are fully informed of the terms and conditions. 

In accordance with Federal law, I request that PHEAA cease and desist all reporting and collection activities related to my account during the aforementioned 12-month " on-ramp '' period. This includes refraining from reporting alleged delinquencies to credit bureaus, placing my account in default, or referring my account to any debt collection agencies. 

This letter serves as a formal request for compliance with these federal regulations, aimed at protecting borrowers and ensuring fair treatment. I trust that the CFPB will take the necessary steps to ensure that PHEAA adheres to these legal requirements, safeguarding my rights and interests as a borrower. 

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

Sincerely, XXXX XXXX enclosures : state issued id, utility bill, intial CFPB reply, summary of enactment from student aid website
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was through bank of America acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX  by the following agencies are out of date or inaccurate. please fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One False Reporting. Debt has been charged off and agency is making derogatory remarks.
Product: Credit card or prepaid card

XXXX XXXX gave a credit card with 0 interest for 2-3 years. Tried to set up through Wells Fargo a reoccurring monthly payment but couldnt through online website and couldnt through several phone calls to Wells Fargo eventually was somehow I feel tricked into making the payment in full regardless of the many times I spoke with customer service.
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. 

Credit report hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.