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

this letter serves as my formal response to your correspondence dated XX/XX/year>, regarding my complaint under Case # XXXX. I am writing to reiterate my concerns and demand immediate enforcement of my rights under federal laws, including the Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ). 

Violations of Privacy and Reporting Obligations Under 15 U.S.C. 68016809 ( GLBA ) and 12 U.S.C. 34013422 ( RFPA ), financial institutions are mandated to ensure the security, confidentiality, and proper handling of nonpublic personal information. Based on your correspondence and my ongoing concerns, I have identified the following critical violations : Unauthorized Sharing of Information : Nonpublic personal information was shared with non-affiliated third parties without my explicit consent, in violation of 15 U.S.C. 6802. 
Inaccurate Credit Reporting : Accounts reflect charge-offs and other derogatory information that are both incorrect and damaging. 
Failure to Honor Opt-Out Request : My formal opt-out request regarding the sharing of nonpublic information has been disregarded, violating 16 CFR 313.1 and 16 CFR 313.7.

Demand for Immediate Resolution To rectify these violations, I demand the following actions :
Product: Debt collection

After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from XXXX. After downloading my IRS transcripts from XXXX thru XXXX I noticed every single refund was intercepted. I contacted TSI which was the third party collection agency and was informed XXXX had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my Tsi file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to XXXX for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. XXXX  should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is XXXX and TSI ar nowhere to be found on my credit report. Im being robbed.
Product: Credit reporting or other personal consumer reports

A WFBNA CARD appears to be opened in my name XX/XX/year>, I am not responsible for this debt. please remove it from my credit report
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$46000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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: Checking or savings account

I was offered a payment in amount of {$3700.00} plus estimated IRS taxes totaling {$5100.00} as compensation for damages caused by Wells Fargo opening deposit accounts which I did not need or want. I was contacted by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, offered this amount over the phone. Payment was never received, reported to IRS for tax year XXXX, remains unresolved to date. Additionally, I was offered a subsequent amount of {$500.00} plus IRS taxes totaling {$690.00} in XXXX of XXXX, payments sent to old address after I moved in XXXX of XXXX. Payments were sent to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX where I currently reside. Neither payment amount covers damages sustained by unauthorized accounts, Wells Fargo refuses to offer compensation, aside from payments not received. An affidavit was signed and sent in to Wells Fargo regarding missing payments, investigated, unresolved. I spoke with XXXX Claims today, XX/XX/XXXX, they claim check in the amount of {$5100.00} was deposited to a XXXX account which I do not own, supposedly deposited within miles of my home... There is no XXXX branch located near me, the closest branch is located in XXXX, CT, a hour away or more. I attempted to explain this to XXXX XXXX, claim rep whom offered amount of {$500.00} over the phone, he referred me back to Remediation Program and or other options out side of Wells Fargo, whatever they may be ... As for check amount of {$690.00}, that item is still in pending status, yet to be resolved.. I've requested a reasonable settlement amount including missing payments numerous times, nothing provided to date. It appears XXXX XXXX is no longer offering compensation for unauthorized accounts, refuses to offer anything, yet I was referred back to them by XXXX XXXX. I've been calling Wells Fargo Executive Phone Bank, given either a case number which is not resolved and or referred to XXXX Settlement which has not information regarding missing payments, does not offer compensation for unauthorized accounts. I've been calling since XXXX of XXXX, numerous cases opened, Wells Fargo reps appear to refer to payments as cashed, which were not by myself. Needless to say, nothing resolved to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting XXXX items on my report that do not belong to me and is causing me to be charged for items that are not mine. 
They are the following accidents that are not from me. Please ask them to remove immediately and refund me the difference in premiums paid. We run third-party reports to validate your quote and found a few things that updated what you entered. These affected discount ( s ) on your quote. 
View the Updates Your driving information has changed.

The information you entered during your quote does not match the information we found on your driving report ( s ) : XXXX XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX Comprehensive Claim {$1000.00} or less on XX/XX/XXXX Listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX
Product: Credit reporting

I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account at XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX with a balance of {$210.00}, a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX with a balance of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aformentioned fraudulent items. I do not recognize the aforementioned accounts, collections, as mentioned. The aforementioned accounts, collections or hard inquiries appearing on my consumer credit report maintained by you were not opened, 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 # ( 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan Modification and was offered a balloon mortgage where my lender added 21 years to my mortgage and only lowered my mortgage payment by {$400.00}. They are refusing to revisit this and now I am being force to sign off on a balloon mortgage Modification deal.
Product: Mortgage

My mortgage company PENNY MAC agreed to the short sell of my property. After two months of going back and forth with my realtor and the buyers title company the short sell went through, PENNY MAC still maintains that they have the right to keep insurance claim 2 party checks that they held in an escrow account. They have no legal right to that money, they agreed to the short sell.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2021 These inquires listed above were not authorized by me.
Product: Money transfer, virtual currency, or money service

As guided by a friend who is also a victim of this scam, first, I transferred $ XXXX to my Coinbase wallet from my XXXX account and buy the XXXX cyber currency. Under the browser tab of the Coinbase wallet app, I was referred and logged in to XXXX XXXX XXXX and transferred all of the XXXX there to " make a profit '' under their AI system. After about a month, there was an accumulated cyber currency in my account, but it forbid me to transfer them out to my Coinbase wallet. After I complained to their online customer service, they froze my account which has a {$44000.00} currency balance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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: Mortgage

I loan # XXXX I started this refinance in XX/XX/XXXX on XX/XX/XXXX they sent me an E Mail to singe docs an it was for {$220000.00} {$190000.00} pay off my current mortgage and a bill for {$26000.00}. I was told by an E Mail there trying to close on XX/XX/XXXX E Mail dated XXXX XX/XX/XXXX I tryed to get a hold of the loan processor XXXX XXXX and loan officer XXXX XXXX NMLS ID XXXX and XXXX nhls XXXX. 
Then I just got anther E Mail saying that my loan went up to {$230000.00} I sent out E Mails and phone calls .these was from XXXX XXXX I ask him if thy were trying to embezzlement me or scam me, he came back answered cam back real fast. I usually don't get answer. and he wanted to stop the refinanceing I have been working with this company NewRez sent XX/XX/XXXX and they stop it XX/XX/XXXX and then they started it back an said it would in XX/XX/XXXX and they were giving me the run around agine, the thy told me it was in underwriter an should should by the end of XX/XX/XXXXand then this happened .I am getting my attorney involved in this in my opinion it seme like discrimination! I ask them on 4 or 5 time if thy were going to do this refinance, NO ANSWER! XXXX XXXX said this is normal to change it! 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company has my home listed as having {$120000.00} value. I have paid my loan down below the {$93000.00} or 78 % of my loan to value. I have paid it down to {$91000.00}. I have requested explanation multiple times and am consistently told that I havent paid it down below the 78 % mark. I have asked for an a plantation of how they are calculating that and have today been told that instead of using the value of the house they are using the original purchase prize of the house. I am a savvy shopper and purchased a home for less than market value. I am now being penalized for being a savvy shopper as they refuse to remove the PMI because they are not using the loan to the value of the house that they have on their records but instead the price I was able to purchase it for. Which is not even the same as the amount I borrowed as I payed it down some so that I would borrow less in the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I thought you created laws to protect consumers? I do not feel protected. XXXX ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and Experian report be removed from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my Experian report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. Experian was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
XXXX has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.
Product: Credit card

synchrony bank continues to report an erroneous account that does not belong to me on my XXXX and XXXX credit reports. they sent me copies of statements showing my name and address. I requested a copy of the credit card agreement showing my signature where I agreed to open an account with old Navy. I never opened nor used this account. it continues to damage my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a bill from XXXX XXXX credit card company. They then closed my account but continued charging me fees. I paid the original amount due. My bank cashed a check in the amount of {$52.00} on XX/XX/, 2018. They ( XXXX XXXX ) sold this note to another company. That company ( Resurgent Capital Services ) failed to do anything to resolve this issue and refuses to acknowledge that I paid anything to XXXX XXXX even though I got a letter from my bank confirming the payment. Resurgent continues to pursue me and refuses to take this off 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 the credit bureaus 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 remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXX Account Balance : {$770.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$170.00} ; XXXX XXXX XXXX XXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Student loan

I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 1681. 
Account name : XXXX XXXX XXXX opened XXXX XXXX, account name XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, account name : XXXX XXXX XXXX OPENED XX/XX/XXXX, account name : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XX/XX/XXXX, account name : XXXX XXXX  XXXX XXXX, account name : XXXXXXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A SECTION 2 states a consumer report 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. Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe