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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX XXXX XXXXXXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXXXXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Debt collection

This letter is to formally state that XXXX XXXX XXXX XXXX XXXX is not properly bonded to collect debts in the state of New York. According to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : " No person shall engage in business as a principal debt collector in this state without first having executed and delivered to the XXXX a bond in the sum of XXXXXXXX XXXXXXXX dollars. '' As XXXX has not provided evidence of such a bond, they are not legally authorized to collect debts in New York State. The debt in question, associated with XXXX Account No. : XXXX and Case No. : XXXX, has been reporting on my credit report since XX/XX/year>. 
The improper reporting of this debt by an unbonded collector has resulted in encumbrances and multiple credit denials, causing significant financial harm.
Product: Credit reporting or other personal consumer reports

I told each credit bureau that I had my loan pay off from strike acceptance, and they added that I paid the loan off. Then each credit bureau, they penalized me for being late! In which I was not! This loan has been paid off since XX/XX/year>. Each credit bureau is reporting the same status. Therefore, it dropped my credit down XXXX points... I am trying to put my son in a private school and own a home, this critically affecting my way of living and progressing in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 disputes with XXXX XXXX XXXX in XX/XX/XXXX regarding the status of a mortgage serviced by Ocwen Loan Servicing, LLC Both times I provided information that clearly shows the loan was paid in full. Ocwen refuses to change the status to paid. They currently have the status as being under a Chapter XXXX Bankruptcy. The property was sold and the loan paid off on XX/XX/XXXX in the amount of {$73000.00}. The Bankruptcy was filed after that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Target / TD bank has been reporting a charge off on my credit report for years. I have tried countless times to call Target and have been unsuccessful. The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security. I asked Target to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This Target account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim. Would you please assist me in getting this charge off removed from my credit report immediately? Target has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me! Thank you in advance,
Product: Credit card or prepaid card

I received a piece of mail from Bank of America which stated that they recently received two applications from me for a Mastercard. I never applied with Bank of America for a Mastercard.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I noticed accounts on the report that I did not open or give anyone permission to open.
Product: Mortgage

We fell a little behind last year from a financial hardship, we applied for a loan modification with 360 Mortgage ( servicer of our VA loan ), as we were in the process we were impacted by Hurricane Irma and placed into a forbearance to offer relief. 

After the forbearance ( most other mortgage servicers assisted with disaster modifications by placing the payments in the loan ) but 360 Mortgage did not but forced us to apply as a normal loan modification application. 

My initial application was sent in on XX/XX/XXXX ( it takes 360 mortgage 7 to 10 days to receive and review a document and let you know if it is all they need or to send something else in ) other servicers like XXXX XXXX do this within 24 hours. So then I followed up and on XX/XX/XXXX the requested more documents and I sent in 30 additional pages. Then I followed up and on XX/XX/XXXX I sent in 14 more pages and though surely this be a complete package so my application can go to underwriting and they can place the foreclosure on hold to not violate the dua tracking restriction. 

I kept following up and on XX/XX/XXXX they need more so I send in 45 additional pages thinking this has to be it since what they claimed was above what was asked for before. 

I follow up and on XX/XX/XXXX they need more which they did not ask for before so I send in 45 more pages 360 Mortgage is making the application process so strenuous with the intent of denying me the opportunity of having a complete package so per the CFPB guidelines my sale can be placed on hold while the review is conducted. 

I also received a debt validation letter from the foreclosure attorney on XX/XX/XXXX despite the fact there was already a foreclosure sale date set. I filed a dispute but to no avail as the attorney says their client ( 360 mortgage ) will not agree to stop the sale even though they are in the wrong. 
My VA representative and loan technicians supervisor stated they requested a post ponement from 360 mortgage but they refused to do it. 

This is a violation of many regulations and also violating the Fair Housing Act by refusing to accept and discriminating against my VA military XXXX as valid income even though I provided a valid VA XXXX award letter and 2 months bank statements showing the deposit into the bank. 

360 mortgage is doing nothing more than a bank does when they don't want to approve a mortgage, they just keep making up more and more requirements so it is impossible to get approved. 

My wife and I are XXXX US military veterans whose only income is from XXXX and have served this country. We would appreciate help by having this sale post poned so we can be reviewed for loss mitigation options.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I took out a SBA loan ( EIDL ) for XXXX. Loan was approved the money was sent to my Citibank personal checking account. ( The reason it went to personal and not business ) The loan was done as a Sole proprietor. I used around 25 to 30 thousand dollars out of the XXXX. There was around XXXX left in the account. Citibank decided to close my account for no reason given. They said that they can close account at any time they want. I had no problem with that. The only problem I'm having is that they kept the money. They don't want to issue me a check for the remaining balance. They don't want to sent the money back to the SBA either. So the bottom line is that I have to start making payments on a loan of XXXX ( which is close to XXXX with interest ). And citibank is holding onto XXXX of my money and making interest on it for over 12 MONTHS.
Product: Checking or savings account

The online bank system at US Bank was changed some time ago and does not work properly or in a way that is easy for a customer to use. They now use the system as a way to make a profit by suggesting consumers pay a fee of {$14.00} to pay a bill by a certain date. They constantly have a waiting circle when going from one place to another on the website. About a year ago, they did have a system that seemed to work based on ease of use to the consumer. Now I think they have changed it as a way to purposely confuse consumers into paying fees to use their system. I can not see past payments I have made to particular billers in the bill section like I could in their bill pay system a year ago.

I believe companies including banks are using their websites to make a profit for themselves rather than simply helping consumers pay their bills with ease. This needs to be stopped and should not be tolerated. The online bill pay system for US Bank is purposely made for their own advantage, not for the customers. Instead of fixing the online system, they constantly ask for surveys from their customers even when they must already know this bill pay system is not working for the customers benefit.
Product: Credit card

XX/XX/year> USBank XXXX XXXXXXXX XXXX XXXXXXXX I was the victim of a hacker into a utility account and was tricked into buying gift cards to pay the utility ( XXXX ) I purchased gift cards at target with 2 different us bank cards, one {$720.00} and another {$360.00} less than XXXX XXXX after purchasing the gift cards and giving the numbers to the supposed XXXX employees, I alerted USBank that I thought I had been scammed. The transactions were still pending. My specific problem with US Bank is that I was assured that I had stopped payment, since the transactions were still pending, and that I had caught the scam in time, by the representative of US Bank at XXXX. I was assured that I would not be liable for the charge, since it was supposedy stopped. My cards were deactivated and reissued. Purchased gift card at XXXX. Talked to US Bank at XXXX. I called again the next day and was again assured that I had stopped payment and caught it in time. I was never told that there was going to be an investigation. I was given the impression that the transaction was cancelled at XXXX on XX/XX/year>. I called the gift card issuer, XXXX XXXX XXXX, the police, XXXX and filed with the FTC the same day. I would have returned to XXXX to further pursue cancelling the gift cards, if I had been aware that the payment had not been stopped by US Bank. They delayed several weeks in sending a letter informing me that they were investigating the fraud claim and could decide against me. By this time it was to late to seek recourse with XXXX. The charge cleared on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX  XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i hed fraudulent accounts on my credit i want fraudulent account to be removed from my credit report immediately because they hurt ability to obtain credit
Product: Credit reporting or other personal consumer reports

I am writing to dispute several late payments that have been incorrectly recorded on my credit report. I noticed these errors while reviewing my records. Over a month ago, I sent letters to address this issue, but I have not received a response or any satisfactory proof. 

I am kindly requesting your assistance to resolve this matter quickly and accurately. These inaccuracies are negatively affecting my credit score and causing unnecessary stress. 

Please investigate these entries and correct any errors promptly. I appreciate your prompt attention to this matter.
Product: Debt collection

Pioneer Credit Recovery, ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. XXXX, Continually calling me at work asking after telling them I ca n't get calls like that at work. Attempting to collect a debt ( they say ) but the student loan has been approved for deferment. Will not stop calling me at work, resulting in me getting in trouble with my boss. 
They keep asking me to fax them stuff but I do not trust who they say they are and they refuse to send me anyting.
Product: Credit card or prepaid card

Had an issue with my Citibank Double Cash credit card. Tried making purchases and it was getting declined and I was unable to use my available balance even though it was paid. This credit card advertises a benefit of XXXX XXXX cash back after making a purchase and payment. I called customer service with my issue and was told they would put a {$200.00} credit on my account to compensate me for the tangible loss I had putting more than $ XXXX in purchases on a different credit card. This did not happen. They only put {$100.00} credit on my account. Spoke to XXXX who declined to give his last name or employee number who told me there was nothing else they can do. This is contrary to Citibank telling me that {$200.00} would be refunded back to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My XXXX has more accounts than transunion Transunion Payment history:XXXX  Card usage:XXXX XXXX Derogatory:0 XXXX XXXX Payment : In pictures its doesnt add up
Product: Credit reporting, credit repair services, or other personal consumer reports

After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Experian, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Experian has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Experian several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Experian has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Experian 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$690.00} ; 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

There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) Conns ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
Product: Credit card or prepaid card

Unfortunately, I have had several bad experiences with Wells Fargo. After allowing multiple opportunities to correct their mistakes I have decided to forewarn everyone to move cautiously when considering a business relationship with Wells Fargo and submit a formal complaint. As a small business owner customer service drives revenue for our company. 
My initial encounter with Wells Fargo was onXX/XX/XXXX, I opened the business checking account. Everything seemed to go well until I was unable to login to the account. After several attempts to login I changed the password. Little did I know, the account was linked to someone else account. Fortunately, it was my wife but I was never joint to her account so one can only conclude that the banker responsible for establishing a new account added me to her profile without her authorization. After bringing it to their attention the manager apologized and corrected the error and convinced me that the service is great and would like an opportunity to assist me by opening a business credit card ... I obliged. 
Hindsight is 20-20 because on XX/XX/XXXX following that experience our clients were making orders and mailing checks but Wells Fargo would place a hold of 10 days on the check prior to releasing the funds ( this hindered the day-to-day operations of running the firm ). Although it seemed to correct itself, I had a recent encounter with this " glitch '' again onXX/XX/XXXX. 
My final straw was onXX/XX/XXXX without notification, the same business credit card which managed all of the rolling transactions, its credit limit was reduced by nearly 70 % then charged an over-the-limit fee. This was clearly a mistake so I went into the branch which the banker expressed that she didn't know why and contacted the business credit card department. The account was closed all occurring within 1 billing cycle. The representative apologized for the mistake and said he sent an email to the supervisor for follow up to reopen the account. After a few months of silence, XX/XX/XXXX I called customer service which then explained that its been over 90 days since the closing of the account and there's no further action that can be taken. 
In conclusion, in order to avoid loss of time, energy and resources one should consider establishing a business relationship with a financial institution that will not put your privacy, credit and finances at risk. AVOID WELLS FARGO!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information. 
Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

Company : Kikoff Lending LLC
Product: Credit reporting, credit repair services, 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**** 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.