23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 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 fi the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ; 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations.

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.
Product: Credit reporting or other personal consumer reports

Inaccurate 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number. A personal loan opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the XXXX account number. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Transunion, XXXX and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact Transunion, but still not providing the method used to verify the information. XXXX never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLLECTIONS XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX COLLECTIONS : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EMPLOYERS XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is not investigating my claims. I have a police report and ftc report proving this account was opened by someone other than me including the accounts used to pay for the loan I never had. Ive never had BOA so how can Ive made payments on the account. Also telephone number is wrong XXXX is an mobile house phone that my XXXX uses. I have roommates, one of them stole my identity. Thats why were doing this now. Do your investigation this debt is not mines and I will be taking legal action against spring oak and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I spoke with a representative on XX/XX/2018, I explained that there was an error with my cell phone company automated service and I wanted to stop a payment and she explained that it can be done as long as the payment hasnt posted and is still in processing through overnight the payment will be stopped. I said ok thanks. Check the next day payment still pending gave it a little time. Called the following day on XXXX XXXX explained the story again and the error caused by my cell phone company to a claim XXXX representative she told me she would open a claim have it reviewed but sounds like I wont get the money back as this is not a bank error she advised they will call my cellphone company and if they say the charges are correct there will be nothing they can do. I explained that things were coming from my account and it would overdraft and I didnt want that. She again told me I wouldnt get the money back but they will research cause again it wasnt a bank error. But if the cellphone gives me back the money they will reverse the overdraft fees I said ok. XXXX ended up giving the money back when it posted to the account it said adjustment I was like great made a couple deposits and didnt think anything of it got the over draft fees reversed received a letter for that. Now on XX/XX/2018 Bank of America goes into my account and takes {$380.00} I explained I have bills coming out mortgage payment was about to make a deposit I asked why was this done the manager said to me because we gave you a credit for XXXX I said you did not when? She explained that I was sent a letter on XX/XX/2018 ( that I never received XXXX advising that they would be issuing me a temporary credit to me in XXXX business days from XX/XX/2018. I explained that they I thought the money came from XXXX I never knew about this asjustment. I explained thats not fair to the customer and they this entire process Ive been misinformed. I asked her if she could put the money back and she told me no she couldnt. Ive been banking with your bank for XXXX years no problem at all now this. I feel I was treated very very unfairly. I asked if the funds wasnt in my account would the money still had been taken and I was told yes I was like even if it would send my account in overdraft I was still told yes. I am asking for all this back and forth countless hours being misinformed that I get the refund of {$380.00} as I never received proper notification regarding these funds and now that they are gone my billing for my home is in jeopardy. I was lied too on several occasions I asked the calls from XX/XX/2018, XX/XX/2018 and XX/XX/2018 be listened to as this could had all been prevented had the payment was stopped like i initially was told. There is a lot of banking errors and feels that what the representative words should be honored as she said I wouldnt get the funds now to get the funds doubled and be penalized for nothing I did. Thank you for any assistance you can provide in helping me get the additional funds back. Thank you XXXX XXXX
Product: Consumer Loan

I filed a complaint with CFPB and the response did not address my issue. I have sent several emails to  XXXX   XXXX  regarding my missing payment from  XXXX   XXXX . I have sent over a copy of my bank statement confirming that the payment was received b y GM Financial. M y final payment should have been in  XXXX   XXXX , but I am still showing a balance of roughly {$1100.00}, which are late fees from the payment that they claim is missing. This payment is not missing ; it was received and processed by  GM Financial o n  XXXX   XXXX ,  XXXX  according to my bank statement. The responses that I am getting from  XXXX   XXXX  have been lies ; she never had a manager reach out to me to discuss this further. The remaining amount due needs to be adjusted to reflect the fact t hat I NE VER missed a payment on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

today XX/XX/16, I seen an inquiry on my credit report from main financial. Not only was I not looking for a loan, my phone is getting several messages from loan companies as well as my email. When I called they stated that I asked for a {$2000.00} loan, however they only have my name and number in their system. This is fraud and it was not me.
Product: Checking or savings account

Bank of America. I had reported and cancelled a card that was stolen XX/XX/XXXX. On XX/XX/XXXX {$4300.00} was debited unauthorized! I also have an alert to check with me for any transaction over {$500.00}. The amount was taken says XXXX XXXX. All my bills have declined in lumpy electric, Im out of state my account can not use my card at all. My family back in Maryland can not get food. This has left us helpless. I escalated the investigation of the fraud by getting a letter from the general manager at merchant stating DID NOT do this. This was faxed XX/XX/XXXX. This has been over a week and my account has not been corrected. B or A explained to me this can take up to 45 days! This is very unacceptable. This was FRAUD, I did not authorized this, and I was not even alerted over {$500.00} was being taken. This has made life extremely difficult for me and my family. As of this date Im out of state and not sure how to pay for anything BECUASE the account is not being allowed to be used. Any real transaction is being declined. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXXXXXX inquiry date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  Capital One put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.
Product: Credit card or prepaid card

I just received a call from a # w/ same 1st 6ix digits. I was expecting a call from a local vendor. It was a robo-call offering to lower my chase % rate. I clicked to talk to human. Sure enough he XXXX had an accent ) needed my credit card # to complete the deal, I was on to him and said the cc company would never ask for that info. He called me crazy and hung up. the # was from XXXX. I blocked it. btw it was on my cel. 
Thanks XXXX XXXX, XXXX XXXX, CA, cel # XXXX email : XXXX.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX I did not open or authorize these accounts, and I dispute the accuracy of all information related to them. I request that you immediately investigate this matter and remove these accounts from my credit report within four ( 4 ) business days.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires you to investigate and respond to my dispute. 
I have attached a copy of my FTC Identity Theft Report, my government issued identification, my social security card, and proof of my current address as evidence of this identity theft. 
I expect a prompt and thorough investigation into this matter. Please provide me with a written confirmation of the actions taken to resolve this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX account that was paid in full due to a court order garnishment. On my credit its showing as a charge off. I have Submitted the court ordered supporting documents and the corrections were not made.
Product: Payday loan, title loan, personal loan, or advance loan

have been dealing with this issue since XX/XX/19. I never hit continue or agree to any of the charges on the app. As soon as I realized there were fees attached I exited the app and deleted it, however I was still charged the XXXX after I had cancelled the subscription
Product: Credit reporting, credit repair services, or other personal consumer reports

Last mth, on or about the day of XX/XX/21, I finished paying enhanced recovery company. They've said that they contacted the credit bureas, but the bureas still showing a balanced left to be paid on the reporters website. Now, I've sent the reporters a copy of a letter from erc. Still waiting to be updated on their reporting website.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX Subject : Request for Verification of Late Payment FCRA 609 I am writing to formally dispute a late payment on my credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 609, I am requesting documentation that proves this late payment is valid and was reported correctly. 

The account in question : ACCOUNT : XXXX XXXX XXXX LATE PAYMENT XXXX XXXX 
- OPENED DATE XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX XXXX LATE PAYMENT XX/XX/XXXX According to the FCRA, any item on my credit report must be 100 % accurate and verifiable. I request the following : 1. Proof from the original creditor showing when the payment was due and when it was received. 
2. A copy of the original payment history verifying the late payment.

3. A statement from the creditor confirming the accuracy of this late payment. 

If you are unable to provide all 3 of the requests listed and verifiable proof within the legally required 30 days, I request the immediate removal of this late payment from my credit report.
Product: Mortgage

My experience as a client of Wells Fargo during the last few years has been terrible and I have been trying to refinance my home mortgage with XXXX, and stop my relationship with Wells Fargo. Having been already approved by XXXX on the refinancing, we are still waiting for Wells Fargo to finalize their internal legal processes ; most importantly finalizing the XXXX transfer, assignment of the loan to XXXX, so that I do not have to pay for mortgage taxes twice. We submitted all required documentation more than 2 ( two ) months ago and have not heard back yet. My lawyers reached out to Wells Fargo and were not able to get an update on the situation, and just got a message saying that these things take time. After having refinanced mortgages in the past, I can say from experience that the most this has taken in the past was 2 to 3 weeks..and we are now on week 9. This is causing significant  issues on my side, given that closing of the refinancing with XXXX is still pending subject to receiving the loan assignment and as with any refinancing, every day that goes by poses significant risk that the approval already obtained could be revoked. I spoke with XXXX XXXX whose supposed to sit at the executive level ( @ XXXX ext XXXX ) who told me that it's an issue I need to resolve with the lawyers that Wells Fargo hired. I answered that if Wells Fargo hired them to represent Wells Fargo, and they are working on behalf of Wells Fargo but not getting the results we'd expect, then Wells Fargo is the one that should resolve the situation and look into the case to try and see what's wrong, and getting fixed. Her answer was that it's up to the lawyers. It all feels like Wells Fargo is dragging their feet, just to keep my as a client for longer, maybe indefinitely if XXXX decides it's been too long and cancels the refinancing. At this stage I really don't know what else I can do to get the required documentation from Wells Fargo to move into XXXX. 
Any help will be greatly appreciated.
Product: Checking or savings account

Unauthorized. Life Insurance Policy Unauthorized Auto/Property Insurance Unauthorized account access Former account address XXXX and XXXX XXXX