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

XXXX, I did not request a dispute with you through Equifax. Equifax fraudulently requested on my behalf without my permission and I am planning to pursue legal action. Please provide in writing who requested this dispute. My statement balance is {$0.00}. Why are you randomly updating my consumer report? You have no permissible purpose to report or share in the first place. Consumer reporting is voluntary and you do not have my permission pursuant to the FCRA.
Product: Mortgage

My mortgage is with Fifth Third Bank. My monthly payment is set on autopay for {$1600.00}. I requested to pay an additional {$200.00} per month towards the principle for a total of {$1800.00}. {$1600.00} was autodrafted on XX/XX/22 without the additional payment I requested. On XX/XX/22, I called to follow up on the {$200.00} extra that was supposed to be set up on autodraft as well but was never set up. The rep I spoke to had no explanation on why it wasn't done. On XX/XX/22, {$2800.00} was autodrafted. My husband called to inquire on why the drastic difference and was told that it's to cover our flood insurance. He explained that our HOA covers our flood insurance as we've explained before. They apparently needed a specific documentation as proof and had to reach out to the HOA for it. We were told the difference would be refunded immediately. It was never done. On XX/XX/22, {$2800.00} was autodrafted. My husband called again, same story. There was no explanation on why we weren't refunded for the balance over our usual payment. We were promised it would be refunded and to date that has not been done. We spoke to other representatives today in the insurance, mortgage, and customer service department and there has been no effort to resolve this issue. The customer service representative said she can see the request for the refund and advised to give it until XXXX for the refund but I do not have any confidence that this will be processed. There is no explanation on why the last 2 refund requests were not fulfilled either. My monthly billed amount should go back to {$1600.00} and a total of {$1800.00} should be autodrafted with {$200.00} towards the principle. I do not have any agreement from anyone to see that this change will be made. Nobody seems to be able to provide any kind of follow up. I'm being told to call again then get bounced from department to department. I need the overage charges refunded ASAP and I want my monthly payments to go back to what it was before. I would also like a phone call or email to confirm that this issue is acknowledged and that someone will follow through to see that it is resolved.
Product: Credit reporting

I tried to refinance my house and they discovered an account with XXXX for {$3200.00} that had been " charged off ''. 
I called the lender to say I had no idea what this was about. They did n't have my correct address, my correct phone, nor my email. ( and would n't tell me what they did have ). But they obviously had my name and SS #. 

There was never a payment made and I never received any attempt to contact me. They said the account was made online. They opened a fraud investigation ( supposedly ), but since the debt was sold, they would n't call the credit agency. I do n't even know who it was sold to! 

Anyway, I 've got a house being refinanced for {$560000.00} and a $ XXXX fake account is the difference between a $ XXXX/month payment and a $ XXXX/month payment. 

I submitted a dispute and XXXX took it off, but Transunion did n't. What can I do?
Product: Credit card or prepaid card

I received the tax refund middle class but when I activated it from the total amount they withdraw money {$350.00} were approved but it only had {$140.00} the rest is missing and the company o bank doesn't fix the problem yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXX XXXX  for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
Product: Debt collection

The company is reporting a debt that is inaccurate and I have no knowledge of the account.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

At this moment, Equifax 's actions appear to be deliberate. Despite my extensive efforts, they have only succeeded in removing the fraudulent debt associated with XXXX XXXX. Shockingly, within a week, they replaced one inaccurate debt with another. It is imperative that Equifax understand that I have no outstanding debt with XXXX or any pre-bankruptcy obligations. There are no financial responsibilities owed to XXXX, XXXX, or any other entity. It is astounding that a major credit reporting agency would operate in this manner. I am actively pursuing legal recourse, though it should never have reached this point. What actions will the Consumer Financial Protection Bureau ( CFPB ) take? This situation necessitates more than just a message to Equifax. The CFPB must take resolute action against Equifax if they persist in retaining discharged debt on my credit report, as it is clearly unlawful.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I have been the subject of bank fraud for the amount of {$2900.00}. I am filing this complaint against Wells Fargo Bank because someone intercepted a check issued to myself, forged my signature, and cashed the check in my name at Wells Fargo. However, I do not currently hold nor have I ever held a bank account at Wells Fargo. I have uploaded a copy of the check that was fraudulently cashed in at Wells Fargo in my name. 

I am a XXXX XXXX at XXXX XXXX XXXX, where I began working on XX/XX/XXXX. 

On XX/XX/XXXX, I notified the XXXX XXXX Department XXXX XXXX XXXX Strategies ( XXXX XXXX XXXX XXXX, hereby referred to as " HR '' ) that I required a revision of my Form XXXX and a refund of the taxes that had been withheld. I was notified by HR that, according to its payroll processor XXXX, it would take XXXX weeks to process the amendment. My case at XXXX is referred to as " XXXX. '' From XX/XX/XXXX to XX/XX/XXXX, I sent multiple follow up emails to HR and XXXX asking for updates on my refund status. On XX/XX/XXXX, I was notified that HR raised a formal complaint against its payroll processor XXXX regarding my refund. 

On XX/XX/XXXX, I was notified by HR that XXXX had already allegedly refunded the taxes. On XX/XX/XXXX, I was notified by HR that XXXX had mailed a refund check in my name for {$2900.00} to my address on file ( XXXX XXXX XXXX, XXXX, NJ XXXX ). On XX/XX/XXXX, I informed HR that I never received a check from XXXX in the mail, and requested to void the check, as I had neither received nor cashed this check from XXXX. 

On XX/XX/XXXX, I was notified by HR that XXXX informed HR that Check # XXXX for the amount {$2900.00} had been issued and mailed out on XX/XX/XXXX via regular mail to XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX and cashed at Wells Fargo on XX/XX/XXXX. I was then advised by XXXX to complete a Wells Fargo Bank Affidavit of Forgery, notarize it and mail it to XXXX XXXX at XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ). 

On XX/XX/XXXX, I reiterated to HR and ADP that I had never received a check from XXXX, that I had not signed a check, and that I do not currently have and have never had a bank account at Wells Fargo. On XX/XX/XXXX, I emailed the notarized Wells Fargo Bank Affidavit of Forgery to HR and XXXX ( XXXX XXXX, XXXX ), and on XX/XX/XXXX, I mailed the notarized Wells Fargo Bank Affidavit of Forgery to XXXX XXXX at XXXX. I have not received a response from XXXX yet. I have uploaded a copy of the notarized Affidavit of Forgery that I was asked to sign from Wells Fargo. 

I am filing this complaint against Wells Fargo because someone intercepted a check issued to myself for {$2900.00}, forged my signature, and cashed the check in my name to Wells Fargo, where I do not currently hold nor have I ever held a bank account.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Timely Response Requirements Under FCRA and CFPB Standards Request for Deletion of Accounts Dear CFPB, I am writing in regards to the handling of my complaint, filed on XX/XX/year>, concerning inaccurate credit reporting by XXXX XXXX XXXX. Both the companys and CFPBs responses reflect violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) 's complaint handling guidelines. 

1. Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency ( CRA ) must investigate a dispute and report the results within 30 days of receiving the complaint. Extensions to 45 days are permissible only if additional information is provided by the consumer during the investigation. 
My dispute was submitted on XX/XX/year>, and as of XX/XX/year>, I have only been informed that the company is still working on my issue. This exceeds the 30-day period stipulated by the FCRA, making the company non-compliant with its obligation to promptly resolve or provide the results of the investigation. 
2. CFPB Complaint Handling Process Violations The CFPBs policy requires companies to respond to complaints within 15 days. The companys response, as of XX/XX/year>, simply indicates that they are still working on the issue, with no final resolution. 
Allowing an additional 60-day period for a final response, as indicated by the CFPB, contradicts both the CFPBs timeframes for handling disputes and the FCRAs 30-day maximum timeline. 
3. Request for Immediate Action Account Deletion, Not Closure In addition to the violations listed above, I am demanding the deletion of the inaccurate accounts from my credit report, not merely the closure of these accounts. It seems that XXXX has closed the account after my demand to have it deleted. Closing accounts, especially when they were never valid or authorized, does not fully resolve the damage caused. Deletion is necessary to ensure these incorrect records are permanently removed from my credit history. 

Summary of Requests : Immediate Conclusion of the Investigation : I request the company be directed to complete the investigation without further delay and provide a final response in compliance with the FCRAs 30-day requirement. 
Permanent Deletion of Accounts : I demand the complete deletion of the disputed accounts, not just closure, to fully resolve the inaccuracies. 
Response Within 5 Days : I require these actions to be completed within 5 days from the date of this communication to avoid further escalation. 
Escalation of My Complaint : The CFPB should enforce compliance with its own policies and federal law to prevent further delays. 
Thank you for your immediate attention to this matter. I expect the deletion of the inaccurate accounts and a final resolution within 5 days. 

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

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX.
Product: Debt collection

I submitted copies of the XXXX  policy contract to CCS Collections. I no longer own the vehicle. It was in the shop for months and was not being operated. It was eventually repossessed and charged off. 

Legally, I am not obligated to maintain insurance on an inoperable vehicle or a vehicle I no longer own. Per XXXX 's contract, the insurance policy will automatically become null and void once ownership transfers. I also contacted XXXX to cancel my policy. 

I need CCS Collections deleted from ALL of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX MO XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX WA, XXXX 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 ) section states : 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 reporting or other personal consumer reports

15 U.S CODE 1692g - VALIDATION OF DEBTS. 
15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & EQUIFAX XXXX XXXX DID VIOLATE MY CONSUMER RIGHTS BASE ON 611 FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
1 ) XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

2 ) XXXX XXXX  ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
3 ) XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
4 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
5 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
6 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

7 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
8 ) XXXX XXXX XXXX ACCOUINT XXXX XXXX XXXXHIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
9 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
10 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

11 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer live in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. 
I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing. 

XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX - XXXX XXXX, XXXX  - XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.
Product: Checking or savings account

I accidentally Tried to pay my Bank of America Credit card bill with my Bank of America XXXX account which had a XXXX  balance. When I realized my error moments after doing it I cancelled the payment by hitting the " cancel '' button on the portal. I assumed that this would fix the problem. I then noticed my account having been overdrafted. I then called the XXXX  and they said they would cancel the payment and they didnt, now I keep getting overdraft fees on an empty bank account
Product: Debt collection

I am writing to complain about a collection account that appears on my credit report. The account is for {$610.00}, original creditor XXXX XXXX. 

I have never conducted any business with Portfolio Recovery Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Portfolio Recovery Associates, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from Portfolio Recovery Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. 

I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX