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

Despite multiple written requests, the erroneous items 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 XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 5 unauthorized accounts and 10 inquiries were added without my knowledge or consent, and they must be addressed immediately.

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 - ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX  # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 

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 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute multiple items on my credit reports, Experian, XXXX, & XXXX for items with balance of {$100.00}, {$650.00} $ {$120.00}. I have asked that such prior creditors provide proof of explained charges and all pertinent info relating to reported balance however i keep getting remarks back from credit bureaus as " verified as Accurate '' As per the federally protected consumer rights violations under 15 USC 1692i, I believe i have a reasonable case to submit further claims and letters, including to XXXX and Attorney general 's office with my complaints.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS Of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( s ) listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email from AFFIRM on XX/XX/20 that my autopay failed. I called twice to find out what the autopay fail was and that it would be researched. Each representative told me that they are not allowed to know this information so now i am receiving payment overdue notices and i am worried about negative credit reporting. They also stated that the problem could be on their end so i feel like Im being harassed for a payment that I know would go through since i have plenty of money in my account and can provide statements as proof. I also contacted my bank who does not show any payment fails to my account. I have worked autopay before and i know the ACH system will provide a reject reason but i am not getting any cooperation from AFFIRM to let me know what the issue was.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's ( CFPB ) assistance regarding an issue with TransUnion, one of the three major credit reporting agencies. Recently, I discovered that TransUnion has deleted my credit report from their system without any notification or explanation. This unexpected deletion has significantly impacted my financial standing and ability to access credit. 
The deletion of my credit report has led to the removal of all my credit history, including negative accounts that were inaccurately reported. I believe this action violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete credit reports. 

Transunion never had my permission to place my credit under the Fraud Victim Assistance Department.
Product: Debt collection

A debt in the amount of {$1900.00} from National credit systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company by mail on XX/XX/XXXX and again on XX/XX/XXXX. OnXX/XX/XXXX I requested validation of the debt. I asked the company to show me how they calculated what I owe. The company replied by sending a transaction history and a lease renewal agreement. The lease renewal agreement was signed XX/XX/XXXX. I moved into the apartment XX/XX/XXXX ( which is reflected on the transaction history ). When I moved in I made a deposit of {$1800.00}. My {$1800.00} deposit is not reflected on the transaction history so I wrote another letter to the company onXX/XX/XXXX. In this letter I let them know that they were reporting an incorrect amount owed. I asked them to retrieve the lease agreement that I signed on XX/XX/XXXX. This lease agreement will list the {$1800.00} deposit. Without this lease agreement the debt has not been validated as accurate because it can not be reconciled with the transaction history. I received a generic response from National credit systems and the item remains on my credit report. This company is violating the FCRA 609. Also please note that I also disputed this matter with the credit reporting agencies and National credit systems confirmed the debt amount as accurate. Please hold this company accountable by requesting the XXXX lease agreement and requiring them to deduct the {$1800.00} deposit from the debt amount. Also please note that I contacted the apartment complex several times after I moved to recover the deposit. National credit systems did not contact me in regards to this debt prior to placing it on my credit report as required. Thanks for your time.
Product: Mortgage

The mortgage lender Chase denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. I was told I could not apply for assistance. 

Chase has refused to honor the request for mortgage assistance of any kind of modification, short sale, or Deed-in-Lieu. Chase seems only determined to foreclose on my home. I was given no valid reason other than I had a modification 10 years ago. 

Chase representatives advised me to apply for the Virgin Mortgage Relief Fund and that once I applied and obtained my application number the foreclosure sale would be placed on hold. My application ID is XXXX, which was given to Chase and no hold has been issued. 

The actions of Chase are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Product: Money transfer, virtual currency, or money service

Dear XXXX, XXXX of Wells Fargo, I am writing to formally dispute a wire transfer incorrectly processed by Wells Fargo, resulting in a loss of {$140000.00} and severe financial consequences for my business. The details of the transaction are as follows : Sender Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Account Number Used : XXXX Wire Transfer Reference Number : XXXX Despite the incorrect account number, Wells Fargo processed the transaction into an unintended account that did not match my business or personal information. According to standard banking procedures, an international wire transfer won't be processed when there is a discrepancy between the account name and the account number. Given that my correct address was included in the transaction details, this wire should have been flagged or returned instead of deposited into an unrelated account. 

Business Impact Due to Wells Fargos Error This {$140000.00} wire transfer was critical for our operations and was intended to cover payroll, rent, accounts payable, and vendor payments. Because of this misdirected transaction, our business account is now overdrawn over {$40000.00}, causing significant financial hardship and potential damage to our business relationships. 

Wells Fargos mishandling of this transaction has disrupted our cash flow and put us in a situation where we are incurring overdraft fees and potential penalties for late payments. We hold Wells Fargo responsible for this error and demand an immediate resolution. 

Requested Actions from Wells Fargo I request the following actions be taken immediately : Recover the misdirected funds by initiating a wire recall and working with the recipients bank to return the money, XXXX Bank, or deposit into the XXXX XXXX XXXX account. 
Could you provide a full explanation as to why the wire was processed despite the mismatched recipient information? 
Cover all overdraft fees and financial damages caused by this error. 
Could you provide documentation on the internal procedures followed in this transaction? 
If this issue is not resolved promptly, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and other regulatory authorities. I will also explore legal action against Wells Fargo for failing to follow proper banking protocols, which have directly harmed my business. 

Please let me know when you've received this letter and provide a resolution in XXXX business days. You may contact me directly at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I need assistance with the {$200.00} sign-up bonus for the BMO credit card that I haven't received yet. I met the required criteria over XXXX months ago. I opened my account around XX/XX/2023 and completed the necessary {$1000.00} expenditure by XX/XX/2023 within the first XXXX  months. 

The conditions for the bonus were as follows : " Earn a {$200.00} cash back bonus by spending {$1000.00} within the first XXXX months of account opening. '' The rewards are supposed to be issued within XXXX weeks after the end of the XXXX-month period. 

I reached out to BMO customer service number ( XXXX ) for many times, but each time my call is transferred between departments without resolution. No one has assisted me in claiming the bonus I am entitled to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/1974 XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from School first with a balance of {$1300.00}, XXXX XXXX with a balance of {$12000.00}, XXXX XXXX with a balance of {$25000.00}, XXXX XXXX with a balance of {$3500.00}, XXXX XXXX XXXX with a balance of {$180000.00}. 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being mentioned 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 the FTC identity theft Criminal Complaint # XXXX 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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXXXXXX 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

On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 XXXX/TransunionXXXX  have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent XXXX/Transunion/XXXX  the request for removal and that they have failed to act. This item is still being reported.
Product: Checking or savings account

I have been trying to receive bank statements but they ignore me I need to update my information was in a data breach
Product: Checking or savings account

Back on XX/XX/XXXX I opened a Wells Fargo checking & savings accounts. For some reason they closed my account without notifying me.. The account has a positive balance, and there is no excuse for the account to have been closed. Since this account was closed it made it almost impossible for me to qualify for an account with any other bank. So needless to say it caused me quiet a XXXX. I actually was denied an account with wells Fargo when I attempted to open a new checking account in XXXX for this very reason .....
Product: Checking or savings account

On XX/XX/2022, I was charged an unauthorized Service Fee to my checking account of {$6.00}.
Product: Credit reporting or other personal consumer reports

Back in XXXX I wrote to the CFPB about the data equifax data breach. I was notified that my data was affected. I immediately notified the CFPB about the breach. I also stated that I want to block my credit profile report. Meaning I need written notice from entities when furnishing or sharing my personal data.Where is your written notice? This is identity theft! Your entity is violating my rights. I received a new inquiry of a new address on my credit profile. How did that address get on my report? I never lived at the location. I live in XXXX, NC not XXXX, FL. Please remove : XXXX XXXX XXXX XXXX, FL XXXX. How did anything get on my report without written permission? This is considered identity theft. This address needs to be removed immediately. My address is XXXX XXXX XXXX XXXX XXXX XXXX, NC. All correspondence should be addressed to XXXX XXXX XXXX XXXX. 

Where is the contract for XXXX XXXX where I gave them permission to furnish my account? Where is your entity 's written notice? As I stated in my last letter you need written permission from XXXX XXXX XXXX before furnishing any account information. My accounts are run by my XXXX. All my accounts are private and I require written permission from all agencies to share XXXX XXXX XXXX consumer profile. With each violation will be a fine of {$1000.00} for noncompliance. I need a notice from the financial institution or credit agency with full account information and full disclosure on how to settle the account in bankruptcy, see Bankruptcy act of 1933. After I examine the account, I will decide what to do. As these are my accounts. Your company operates through the United Stated Codes, please follow those codes, or I will be forced to take civil action. Please remove all inaccurate information below. Thank you for your time. 


Remove immediately Inaccurate Information Address XXXX XXXX XXXX XXXX, FL XXXX Accounts XXXX XXXX XXXX XXXX XXXX  Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX ( Equifax
Product: Checking or savings account

XXXX. I saw the charges for the incremental withdrawal of funds all made on XXXX XXXX for the amount of {$6900.00}. 

XXXX. I called in the claim that day ( XX/XX/XXXX at around XXXX XXXX ) XXXX. Claim person stated that it seems that my digital wallet was compromised. Because of this I was instructed and walked through updating my online account with a new username and password. 

XXXX. The bank then issued me a new debit card and I received the email confirmation for this at XXXX on the XXXX. 

XXXX. Bank then put the money back into my account XXXX. Two weeks later on XX/XX/XXXX the bank took the money out of my account without explanation. Had I not checked my bank account, I would have never known it was denied. There was no prior notification. 

XXXX. I only learned at this point the importance of making a police report. No one from Chase even suggested that this is an important step. Therefore, I did report this to the XXXX XXXX police department on XX/XX/XXXX, reference number and report attached. I would not have filed a false report knowing the severe criminal consequences in doing so. 

XXXX. I was then verbally told in person on XX/XX/XXXX by XXXX XXXX ( Assistant VP of Private Client Banker ) that my claim was denied because it was purchased with XXXX XXXX. I made XXXX aware of the police report and he seemed ambivalent. He did not show any interest at all in obtaining a copy. 

XXXX. An appeal was processed ( without my having not yet requesting it ) and again was told via phone call from XXXX from the escalation department that the claim was again denied and it was their final decision. 

XXXX. I told the bank that I do not have XXXX XXXX. I have an XXXX and I pay via XXXX XXXX. I have never ever had a XXXX phone or XXXX pay app. My XXXX bills are attached with my device type and phone number circled. When you XXXX  it, multiple sources confirm that a user can not have XXXX pay on XXXX or XXXX Devices ( see attached document ). I told them this many times and no one got it. They refused to understand the logic that you can not use XXXX pay on an XXXX  device. 

XXXX. I also mentioned that initially it was thought that my digital wallet was compromised. Obviously this person mentioned in point # XXXX above, understood this was a clear case of identity theft. 


Questions : XXXX. Shouldn't denials of claims be in writing? 

XXXX. Shouldn't I have gotten all the information ( e.g., copies, data, etc. ) of everything the bank is using to deny my claim? 

XXXX. Shouldn't the bank have contacted the merchant to get " their side of the story ''? ( If they can not identify the merchant, how can they deny my claim without having done that? )