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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute of Unauthorized Credit Inquiries and Request for Immediate Investigation Dear Sir/Madam, I am writing to formally dispute multiple unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent or knowledge, and I believe they are the result of fraudulent activity or identity theft. 

The following is a list of the unauthorized credit inquiries I have identified : 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 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 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 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 XXXXXX/XX/XXXX I did not authorize any of these inquiries, and I have not applied for credit or financial services with the entities listed above. As such, I believe these inquiries were made without my consent and may be linked to identity theft or fraud.

Under the **Fair Credit Reporting Act ( FCRA ) ** ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or unauthorized information on my credit report, and I request that you investigate these inquiries. Please ensure that all fraudulent inquiries are removed from my credit report in accordance with the FCRA, and provide me with an updated copy of my credit report reflecting these corrections.

Specifically, I request that : 1. You conduct a full investigation of these disputed inquiries.

2. All fraudulent inquiries be removed from my credit report.

3. I receive written confirmation of the actions taken and the outcome of your investigation.

4. A free copy of my updated credit report be sent to me once the inaccuracies are corrected.

5. A fraud alert be placed on my file to prevent any further unauthorized activity.

As stipulated in the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to a fraud alert to protect my identity. Should this matter not be resolved promptly, I will have no choice but to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue any legal actions available to me.

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period required by law. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo Bank repossessed my late wifes car on XX/XX/XXXX and sold at a private sale on XX/XX/XXXX for {$4700.00}. 
The XXXX XXXX value for this car : XXXX XXXX XXXX XXXX {$7900.00}. 
I think Well Fargo is involved in unfair, deceptive, false and racism. 
During the time period discussing the fate of the automobile, several Wells Fargo agents were found to be quite disconcerting and negative.They sold the car for only {$4700.00} which I think is false. I have demanded a copy of the private sale
Product: Debt collection

Credit profile states the date opened is XXXX from XXXX XXXX for an Unsecured Loan the balance on the loan states {$3100.00}. I have filed a dispute letter that this balance is not accurate and received no response as of yet.
Product: Prepaid card

I purchesed a prepaid gift card and put {$300.00}. On it at register. When i opened packaging I noticed te last 4 digits of the credit card number were scratched of by someone. I immediately went back to vender ( XXXX ) who then called card services at US Bank. Card services explained that the card was good and to use it with last XXXX digits that show on receipt. After the card declined i once again called card services who again told me the card was good and to try using it at XXXX to purchase something. Of coures it declined and by that time someone had already stolen the funds. Card services fraud explained it would take up to 90 days to investigate. After calling twice for status and being told there was nothing yet to tell me it has now been 91 days. They told me they have no notes at all for me and are escalating an enquiry. I feel ripped off by US Bank as much as I do by the persons who used the card. US Bank has had three month to resolve this and hasnt. They dont even have any information for me what so ever. The card was clearly purchased compromised and I am entitled to a refund.
Product: Credit reporting

To whom it may concern ; I have an account with XXXX XXXX XXXX XXXX that has been compromised via fraudulent and unauthorized activity. I first became aware of this on XXXX XXXX and contacted my card issuer accordingly. I made a payment, disputed these unauthorized transactions and then proceeded to close the account permanently. The current information reporting on my credit file with Experian is wrong on multiple levels ; 1. The account is not open, it has been closed by me. 
2. The balance on the account is reporting inaccurately. 
3. The status should also read that it is currently under dispute for fraudulent charges to the account. 

I am attaching my identification ( DL & SS Card ) along with an image proving that I have contacted XXXX about these unauthorized charges along with the confirmation number they gave me. 

Would you please update my credit file, once you have completed your investigation accordingly, to reflect your findings? I am confident you will see your findings and my statement will fall in line accurately. 


ACCOUNT ****XXXX XXXX XXXX XXXX ( XXXX credit card ) Account # : XXXX Date opened : XX/XX/2016 Limit : {$4000.00} Please feel free to reach out to me if I can be of any further assistance in helping you to expedite this matter. I can be reached absolutely anytime at XXXX XXXX XXXX XXXX. As always, thank you kindly for your help with this matter.
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer report from Early Warning Services on or about XX/XX/XXXX. After receiving the report I noticed that my personal information as it relates to financial transaction history was provided by XXXX XXXX XXXX XXXX to this company on the following dates, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Bank According to the Fair Credit Reporting Act 15 USC 1681 ( a ) Accuracy and a respect for the consumer 's right to privacy. Exclusions to include reporting of transactions history is illegal.

15 USC 1681 ( b ) Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Needing my written consent to add anything to my consumer report and I did not give this authorization. Moreover, P.L. 90-321 ( 82 Stat. 146 ) which is a law that states any agency can get my report in response to a request by the head of state or local child support enforcement agency ( or a state or local government official authorized by the head of such agency. ) This was not the case.

15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise the nondisclosure option. ( XXXX XXXX and XXXX XXXX XXXX Bank ) never informed me of my right to exercise my nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, XXXX, and EQUIFAX multiple times to reinvestigate ( Equifax ) XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX. 
In todays case Monday XX/XX/2023 the inaccurate information between XXXX XXXX XXXX  XXXX and EQUIFAX XXXXXXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate.

Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account off in full and gave submitted A dispute with both XXXX and experian to advise them this account should reflect closed with A XXXX balance however, both companies have failed to update the information. I have attached A letter from the company as proof of XXXX balance and closed account.
Product: Mortgage

I applied for a mitigation loan. The bank said I didn't qualify. I got a mediator through the state of Ohio. Their lawyer called the bank during the meeting and was told I did qualify and everything was turned in on my end so it never shoukd have gone to foreclosure. They said they would do a title search and then the loan would be approved. It never should have gone to foreclosure as I did qualify. They never did the title search and sent it to a sheriff sale. When I found out I called their lawyers and the bank and they did the title search and stopped the sheriff sale and approved the loan. However they added a high amount of fees for this process and now I have a silent loan on the house in addition to my other loan. I need help because I have tried and they keep saying they were correct but the state and their lawyers have records that I qualified and had nothing more to do on my end. They added all these fees. They tried to take my home in a sheriff sale when they failed to do my title loan. They keep ignoring and excusing me and I need help. I should not owe all those fees. I signed the documents as I would be homeless without it but I had no understanding of what was going on. Can someone help me please. I can't fight a big bank on my own and this has been years of me trying. I don't want it to be too late.
Product: Debt collection

A local finance company charges that I put my car up for security on a personal loan. I 'm late on payment & they are threatening to have me arrested. I never agreed to putting my car up, in fact I did n't have a clear title on the car. I asked her if this meant I was putting up my car, & she insisted no. They also charged me for auto insurance at a huge rate as a requirement get the loan. This was supposed to be a personal loan, not a title loan. I believe the company lied to me on many occasions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXXXXXX XXXXAccount Number : XXXXXX*********** XXXX. XXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXXXXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX XXXXAccount Number : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXXAccount Number : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXXXXXXAccount Number : XXXX XXXX. XXXX XXXX : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Mortgage

IN  XXXX  OF   XXXX   I REFINANCED LOAN NUMBER  XXXX  WIT H WELLS FARGO TO A  NEW LOAN WHICH WAS SUBSUMED BY  XXXX   XXXX   XXXX . I RECENTLY SOLD THE HOME  BUYT WELLS FARGO ERRONEOUSLY CONTINUED REPORTING THAT THE HOME WAS STILL IN DEBTED TO THIS LOAN ( WHICH THEY ULTIMATELY PROVIDED A LETTER STATING THAT IT WAS NOT ). HOWEVER THEY CHARGED A {$1500.00} FEE ON THE DAY OF THE CLOSING IN ORDER TO RELEASE A WRITTEN DOCUMENT WHICH WAS REQUIRED TO SHOW THAT THEY HAD MADE A MISTAKE AND THE LOAN HAD BEEN SATISFIED. IT SEEMS CRAZY THAR I HAD TO PAY {$1500.00} FOR THEM TO WRITE A ONE PAGE LETTER CORRE CTING THEIR MISTAKE.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

On XX/XX/2020, Loan care, LLC received a partial payment which was applied to principle only opposed to the regular payment, when I proceeded to make a following payment due to COVID-19 and worried I would not be able to pay, which was processed on XX/XX/2020. This was again processed incorrectly. Fast forward to XX/XX/2020 when yet another payment was misapplied to principle only. I got first " past due '' letter in XXXX, I called the same day it was received to have this corrected, due to this being an issue in XXXX which I believed was corrected only to have the exact same problem 24 hours later, Which I was not aware of. I have been trying to rectify this issue for two months and now they are stating that they can not go back and correct this because it has been longer than 6 months since original transaction. They are now reporting that I have a past due payment when I have paid for XXXX and XXXX leaving my next payment for XXXX, which has completely tanked my credit, one dropped 119 points and the other 121 points. I have filed a dispute with Loan Care, LLC along with the 3 major reporting entities, however, they refuse to correct this issue with the misapplication of the payment. This is not only a major issue with their policy and their lack of customer service, but it is negatively affecting my credit without any real grounds. They have the payments ; they refuse to correct this issue and they expect me to come up with two months mortgage in one month when I am already living check to check due to being unemployed because of COVID-19. I want this issue to be corrected and for these individuals to treat their customers like human beings, one call or e-mail could have prevented this from happening. This has caused hours of phones calls, extreme XXXX, XXXX, XXXX, and XXXX along with triggering my ongoing battle with XXXX, which has made it impossible to find employment. I have attached a spreadsheet that clearly shows the misapplication highlighted in red. On the far left is my billing information when it was sent out, cleared, etc. and to the right shows when Loan Care, LLC received the payment, how the payment was applied incorrectly and the month it should have been applied to. I am happy to walk someone through this if needed, I just need this issue fixed immediately, due to my declining health over this situation. I have been extremely patient with the employees, but this is unacceptable behavior and treatment from a company. Loan Care, LLC acquired my loan, I did not seek them out and never had this issue with the previous company, which was XXXX. I want the billing to be corrected along with my credit being completely restored to its prior score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood Financial , LLC and I used it to invest into several areas, XXXX being one of them. They can be found at https : //robinhood.com. 
Following advise on security of XXXX, XXXX XX/XX/XXXX I attempted to withdraw some of my XXXX to a private wallet. Something apparently went wrong and Robinhood flagged my account as Restricted. This shut off my access to my funds. Frustrated, I was able to sell out of my position in XXXX but when I tried to extract my funds, Robinhood did not allow that. 
Here is the really frustrating part. When attempting to contact support to resolve the issue, a long series of insincere and delay tactics seems to be played. You request a call back that the app says Get a callback from an agent within XXXX minutes which turns into days and days. Additionally, when I did get a call, the connection was so bad that the call terminated. I have read other peoples complaints about the same thing. And additionally, their app has a banner that says We are reviewing your case. Well notify you by XX/XX/XXXX and as each day becomes the next, they roll back your notification date to the next day. Just ridiculous. I received an email after I sent several emails to Robinhood. It directed me to use the app to upload a bank statement, yet the app will not allow you to! This type of stuff that seems like childish gamesmanship to delay your ability to resolve the issue and get funds back. I finally got a legible call from an agent, and I thought whew, now we can resolve this. I was emphatic with him that I neede some other method to upload the bank statement and he provided that. Upload was successful but he simply said that they will notify me when they are finished reviewing? I pressed him for a timeline and he said he could not provide that. What? Is this stuff legal in the XXXX? I feel like I am being held financially hostage by a company with no respect nor concern for my complaint. As of right now, I have complained with the SEC, the XXXX  and now CFBP. I will not stop.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase for an XXXX product with a special promotion for {$2900.00} with no interest fees if its paid in full in 24 months. Within Barclay bank promotion, If purchased is over XXXX, I have 24 months to pay it off with no interest. On XX/XX/XXXX, My account got charged three interest charges purchase of {$900.00}, {$76.00}, {$73.00}. I had call Barclay, multiple times, requested complain submission to a higher management but my calls had been dropped, and they do not want to make any responsibility towards this,.
Product: Credit reporting or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than XXXX  days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I have several inquiries listed from companies that I have not requested anything. I dont understand how this is right for them to do. I let them know that I did not do this and this need to be deleted but they keep reporting. Please delete this information because this was not something I did not do.