23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX *********** XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # {>= $XXXX} XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX *********** XX/XX/XXXX XXXX FL XXXX
Product: Mortgage

Chase Bank Loan Number XXXX paid off on XXXX XXXX, 2015. Not shpwing that it is paid off. Dispute filed with all XXXX credit bureaus. Chase continues to report to the credit bureaus that as of the response date to the dispute ( the last Equifax reporting date is XXXX XXXX, 2015 ) that the mortgage was not paid off and that the last payment was in XXXX. Called Chase and they said that teliing them that falsehood was OK and that it may take another four weeks from today to be reported to the credit bureaus since their last reporting date was XXXX XXXX, 2015. Their responses to the credit bureaus is to repeat that last information reported in the normal processing time. They refuse to provide current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax XX/XX/XXXX Equifax Information Services, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please take care of this situation Equifax Responded account deleted, account number XXXX XXXX  from my credit file Equifax Company responded on XX/XX/XXXX This is copy of your response XX/XX/XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX CARD SERVICE THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 
I have not received by mail letter referring to account DELETED FROM MY CRDEIT FILE Specifications account number XXXX XXXX  I hereby request a letter for account number XXXX XXXX  account deleted from my credit file Please send me a copy of letter via Consumer Financial Protection Bureau as an attachment As soon as you received this notice Or by certified mail or XXXX, To XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ASAP, for my records, within XXXX business days Thank you for your cooperation in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized closed account off my report or provide proof in writing within 30 days
Product: Debt collection

I was sued and had a wage assignment for a credit card issued by  XXXX  that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done b y Equable Ascent Financial LLC  and  XXXX    XXXX   XXXX  . I want to recover my funds.
Product: Checking or savings account

On XX/XX/XXXX while in XXXX XXXX with friends we were at a bar and were talking to some people we met there. I was speaking to a young couple that seemed friendly i notice that when i went to atm machine they had followed me and stood next to me as I withdrew {$600.00} we continued to talked for several minutes and me and my friends left the bar the man from the couple gave me a hug goodbye. now back at my hotel i noticed my phone and wallet were gone, very upset it was late so i went to bed. i got up early XX/XX/XXXX took a XXXX  to the XXXX  store got a new phone and went back to my room and called TD fraud and cancelled my debit cards as well as my other credit cards. During that time period the people who stole my debits cards and must have saw me use my pin at the bar racked up {$9300.00} in charges at several stores and ATM machines. When I got home I went to TD Bank that monday XX/XX/XXXX and filled out a fraud report list all of the false charges. A week or so later i was told by letter TD felt fraud did not occur due to the fact after i cancelled the cards there were no attempts to use them. this is false there were indeed two attempts to use cards after i had cancelled them. I refiled my case they again declined to cover the false charges. I was told to get local police report which I did and refiled for a third time with a promise from TD Bank disputes and Claims would call me directly which they never did by again refused to cover my charges. I have two witnesses that will attest that I was with them during the time period my cards were being used all over XXXX XXXX. Ive used TD Bank for over 15 years with no issues. I asked TD Bank to please pull video tape from ATMs the cards were used during time period after my wallet was stolen and the refused to do so. I asked them to please look at store video footage to see who indeed used my cards and they refused to do so as well. Their whole basis of refusal to cover my loses Im told were based on the fact the cards were not used after I cancelled them HOWEVER I was told by TD BANK customer service there were indeed two attempts to use my cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX obviously did not do their due diligence in investigating my case. I sincerely request your help in this matter
Product: Debt collection

I have a debt through this company in the amount of {$770.00} from XXXX XXXX   from 2014. I dont recall ever going to a physician called XXXX and if I did, I had insurance that covered everything. This debt has not been validated even with multiples letters being sent to the collection agency.
Product: Bank account or service

The Bank of Nevada/Western Alliance Bank AutomaticTeller Machine location XXXX at XXXX XXXX XXXX XXXX XXXX Nevada, did not released the {$400.00} I requested on XXXX XXXX, 2016 approximately at XXXX using my XXXX XXXX Debit Card .A message on display stated an invalid transaction. On a second try I collected the {$400.00} with a receipt of the transaction which indicated the previous {$400.00} were already deducted from my XXXX XXXX debit card from my checking account causing a low balance of {$310.00} from the XXXX checking account balance. I immediately on the same day XXXX XXXX, 2016 I reported the Bank of Nevada/Western Alliance Bank 's ATM Fraudalent Activitiy to my XXXX Customer Services representative, XXXX XXXX XXXX, at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Nevada. The XXXX XXXX representative, XXXX XXXX XXXX is claiming the {$400.00} from the Bank of Nevada/Western Alliance Bank be credited to my XXXX XXXX as soon as possible. Such ATM fraudulent activity caused me to suffer severe financial distress lowering my Checking Account Balance with insufficient funds to meet my next financial obligations due on XXXX XXXX, 2016. My income is from the Social Security Administration Retirement Benefits payable only on the Second Wednesday of each month. My next direct deposit is due on XXXX XXXX, 2016. Consequently, because of the Bank of Nevada/Western Alliance Bank 's Automatic Teller Machine 's fraudulent system I am suffering a severe financial hardship.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

TransUnion I have disputed this account for 6 months with you XXXX, the XXXX, CFPB, FTC, Attry Gen CA no one can get any evidence on this account that I made it or its mine in XX/XX/XXXX I filed a fraud alert as also got a pin from the IRS because someone was using my information. Enclosed is copies of responses that show there is nothing .I know you claim you do an investigation but you can n't tell me that these Goverment agencies can n't to better than you in a investigation because they get no response also. I contacted the FTC XX/XX/XXXX by phone they had nothing to report also REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it is not verified it is removed I don't mean by old information you use but by up to date investigation as these company 's have tried. Please do not send me a templete responce THERE IS NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT. REMOVE IT also any response I get will be forward to the CFPB FTC
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I trust this letter finds you well. I am writing to address discrepancies in the reporting of my personal information on my credit report. Having recently reviewed my credit report, I have identified inaccuracies associated with my profile. 

As of the date of this correspondence, my current residence is accurately reflected by the address stated above. However, I have observed inconsistencies in the reporting of my date of birth and name. I am reaching out to you to promptly rectify this matter. 

To facilitate the correction of errors on my credit report, I kindly request the following actions : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/1991 Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The inclusion of outdated addresses is impeding the verification of my identity and adversely affecting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Understanding the significance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving this discrepancy is crucial for my seamless conduct of financial transactions. 

I kindly request that you investigate and address this matter within the legally stipulated timeframe. I eagerly anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your expeditious attention to this matter. I sincerely appreciate your cooperation. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX 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

Loan was sold have not recieved any notification from new lender. My payment is due is 7 days. I have waited on hold with old lender they never answer phone. 

Can you please help me resolve this at your soonest convenience. I do not want to be penalized. I have recieved no notices. I have never been late on a payment in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX. XXXX
Product: Credit card or prepaid card

Fraudulent charges on my account. Barclaycard refuses to remove them even though I sent a ton of evidence proving that their investigation into the matter was a joke and wholly insufficient. 

My account has been stolen 4x while barclaycard has had the XXXX account and 4x when XXXX held the account. It is clearly their employees either taking the numbers themselves or selling them to someone because this has never happened with any of my other credit cards. 

You can see all the points made ; they claim it was delivered to my residence and signed for. This is incorrect. I have proof one of the packages was picked up at a XXXX location and the other was returned to XXXX per my regular XXXX driver XXXX XXXX. He was told to do this since someone approached him asking if they could take the package for her when he was at a totally different location than my residence. His supervisor told him to bring the package back. 

Additionally, the account created was obviously illegitimate as the phone # provided was XXXX and they had a 2nd fake address on the account! 

The documentation they sent says it was delivered to a single unit. My residence is not a single unit. Then the documentation they sent shows there is yet another secondary address for the account holder in Georgia. I never lived in Georgia. 

Last but not least the signatures are not my signatures. According to the Fair Credit Billing Act if a consumers credit card number is stolen but not the physical card itself then they are not liable for unauthorized use. 

I am filing this complaint because never in my 30+ years of using credit cards have I, as a consumer, been so mistreated and blatantly disregarded. My record agin, speaks for itself. They on the other hand should not be allowed to be a creditor.
Product: Checking or savings account

Capital one bank is experiencing an outage since Wednesday XX/XX/year> processing payroll direct deposits and banking account information. Capital one did not immediately provide an explanation or resolution timeline. Capital one sent out a message to consumers late in the day on XX/XX/year> stating services will be restored on the morning of XX/XX/year>. Services are still not restored and capital one is offering little or no explanation on when funds will be available in accounts. Meanwhile, consumers are left in crisis with no incoming funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax a few times in writing regarding 3 collection accounts that they are reporting on my credit report. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX. The last letter I send certified with tracking number XXXX. In which they have failed to comply and send their method of verification I also requested they remove any other names besides the one listed on my letter that I send them and any request that they remove any other addresses listed besides the one on the letter I submitted to them. Not only is my name common there are others in my area with same name as myself. No ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX XXXX so they have failed to prove and refused to delete the unverified, unproven or no complaint accounts that they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> filed a dispute to Wells Fargo bank about a translation done which I did not request at lest XXXX different times to the same account for the total amount of {$530.00} to XXXX infinite loop the back told me that they will look into this and get back to me they but back the amount for in the mean time then today XX/XX/year> XXXX that the amount was reversed back to the bank because according to the fraud department the amount of transactions werent made with the physical card that it was done electronically through XXXX XXXX which was link to the phone number to the account they couldnt and wouldnt honor me the money as a fraud. I also told them that I have been searching the web and I see that a lot of people have been complaining about this being a scam. So all they can do is file a complaint so now I am out of {$530.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX and they have not responded or rectified the issue. 



Late payment from XX/XX/year> is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

The credit bureaus has been bullying me hindering my family from being able to apply for anything that would improve our quality of life. They have wrongfully place fraud alerts maintenance blocks permanent blocks fraud permeant blocks promotional blocks remark codes and now generating no score at all. They have claimed in past complaint responses that the reports from third parties were incorrect of them reporting that I have no score yet I have been denied tenancy because TransUnion has again reported that I have no score. This has been going on for far too long. They are now using the excuse that I only have one account on my report which has been there for over 2 years as the reason behind having no score. Yet last year I had a score of over XXXX with that one account. Each time I file a claim with CFPB and the case is closed they block my report again or do something else adverse hindering my quality of life. My family now are in jeopardy of losing our government housing voucher behind this madness taken place by these agencies. This is not the first time we have been refused tenancy because of this. When will you all take stronger action against these agencies. Their behavior is immoral unethical and right out wrong and illegal.
Product: Money transfer, virtual currency, or money service

I am a XXXX and a wire scam fraud was committed against me in XX/XX/2022. An investment scam fund was sent funds via a wire from my Chase bank account to the beneficiary bank which was XXXX XXXX located in Texas. 

In my previous correspondence to both banks on this issue my requests were denied. Chase bank and XXXXXXXX XXXX have not refunded the funds that were sent to fund a scam operation. I believe that it is the responsibility of the banks to monitor and flag suspicious transactions, especially those involving large amounts of money and unfamiliar recipients. 

Initially Chase Bank instructed me to contact the beneficiary bank which I did complete. 
I am making this claim to get my {$55000.00} returned to me. I just want my money returned, and I believe that both banks should take responsibility for ensuring my funds are recovered promptly to me. The process has been continuing for some time now and it has been very stressful and time consuming process, and I am hoping that this complaint will prompt both banks to take immediate action to resolve this urgent issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.