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

When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX XXXX : {$4900.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Wells Fargo for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 14 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Wells Fargo and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Wells Fargo to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Product: Prepaid card

Cash app will not allow me to get a cash app card it simply always says error can't order card
Product: Debt collection

Previous complaint made and they made false accusations and are not claiming to their part.
Product: Credit card or prepaid card

Account was charged XX/XX/2022, for fraudulent transactions in the amounts of {$10.00} and {$2800.00}. We called to report the fraudulent charges. Citibank cancelled the card and issued a credit for the charges. However, when they transferred the balances on our old card to the new card, they added the XXXX charges ( {$10.00} and {$2800.00} ) to the new card. When I asked them why there was not a provisional credit for those amounts pending determination of the validity of the charge ( my understanding of the regulation ). 

They ( including a supervisor ) said that they do not make provisional credits. The only time there would be a credit would be if their investigation determined that the charge was fraudulent. Again, this is contrary to my understanding of the treatment of disputes and I told them I would be contacting CFPB.
Product: Debt collection

I am writing to file a formal complaint regarding the garnishment of my bank account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a debt that I believe is time-barred under the statute of limitations in my state. 

ONL XXXX XXXX XXXX XXXX XXXX Synchrony Bank {$10000.00} XXXX XXXX The debt in question is over XXXX XXXX XXXX, and as such, I believe it should no longer be enforceable under the statute of limitations. I do not believe I owe this amount. The debt appears to be past the legal time frame for collection, and I was not provided proper notification that would allow for the garnishment of my account. 

I am requesting that the Consumer Financial Protection Bureau assist in addressing this matter and help ensure that any improper garnishment is reversed. Additionally, I request that an investigation be conducted into whether the debt collector violated any consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) or any applicable state laws. 

Please inform me of any steps I need to take to resolve this issue, and I would appreciate your assistance in ensuring that this matter is addressed fairly and promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, my credit bureaus have added a new hard inquiry from an unknown authority. The TD BANK/Target inquiry did not come from any inquiry of my doing.
Product: Credit card

I am filing a formal complaint against U.S. Bank regarding an refunded charge of {$170.00}, which the bank has failed to refund despite clear evidence that the merchant, XXXX XXXX XXXXXXXX, has already processed a refund. This issue has been ongoing for an unreasonable amount of time, and I demand immediate resolution. 

I placed an order for truck parts from XXXX XXXX XXXXXXXX, but the order was canceled before shipment. XXXX XXXX XXXXXXXX confirmed that they refunded the full amount of {$170.00} to U.S. Bank. However, U.S. Bank has failed to return my money, despite my repeated attempts to resolve the issue. I have provided all necessary documentation, including proof from the merchant that the refund was issued. 

U.S. Bank 's refusal to return my funds is completely unacceptable and a clear violation of consumer rights. The bank has no legal grounds to withhold money that was rightfully refunded. This is not only a breach of trust but also a potential violation of banking regulations regarding charge disputes and consumer protections. 

I demand an immediate refund of {$170.00} to my account. If this matter is not resolved promptly, I will have no choice but to escalate my complaint further, including seeking legal action if necessary. 

I request that the CFPB investigate this matter and hold U.S. Bank accountable for their failure to process my rightful refund. Please confirm receipt of this complaint and provide an update on the actions being taken to address this issue.
Product: Credit reporting or other personal consumer reports

I'm a victim of fraud and someone used my personal information to attempt to collect credit products in my names. and these inquiries were not authorized by me Does inquiries 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 reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

On XX/XX/XXXX, I wired money {$2700.00} to my mortgage company and somehow my room mate got {$2500.00} out of my account via XXXX,  afterwards, I don't know how or when he did this. I find out that mortgage wire came back due to lack of funds, and complained the next day and I thought it was handled but it wasn't, I sent in my complaint, and on XX/XX/XXXX they said they are still working on it but they deposited the money. on XX/XX/XXXX the money or decision was reversed.I dont understand it doesn't make sense why would I withdraw money or send it to XXXX the same day I pay the mortgage. XXXX has even admitted taking it without my permission. and owes me another {$2500.00} for 3 months past rent. and I feel that he somehow got it reversed and is scamming me I am filing charges on other matters. 
First the Wire shouldn't have been returned that caused a mortgage late. 
secondly why was a amount taken that was not even in the bank and was very suspicious. 
Third I didnt authorize it, I filed a police report and they said they would reopen it and look at it. the day I faxed it they said they were staying with their denial of returning my money It was filed at the XXXX XXXX police station. And the bank will have me on hold for over a half hour. I would have done it sooner but I am evicting the guy, and took time.
Product: Mortgage

I was approved for the XXXX Assistance XXXX program. Past due payment was sent from them in the amount of {$2400.00} on XX/XX/XXXX the forward payments begin XX/XX/XXXX. I provided the award letters to my mortgage provider and have called several times about the past due payment that they should have received and unfortunately get different answers every time. And I do not know what to do.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$1400.00} XXXX  XXXX XXXX BALANCED {$7200.00} XXXX XXXX  XXXX BALANCED {$6100.00} XXXX XXXX  XXXX XXXX BALANCED {$3800.00} XXXX  XXXX BALANCED {$9700.00} XXXX XXXX  XXXX BALANCED {$9700.00} XXXX  XXXX BALANCED {$2900.00} XXXX XXXX  XXXX BALANCED {$18000.00} XXXX XXXX BALANCED {$2400.00} XXXX  XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX BALANCED {$14000.00} XXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX  XXXX XXXX BALANCED {$6900.00} XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$1600.00} UPGRADE XXXX XXXX BALANCED {$0.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently looking to make a business investment and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
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 XXXX XXXX ( also known as XXXX XXXX XXXXXXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXXXXXX XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ). 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. This company is showing up on my report as a paid collection. I've never paid this company or have a contract with them. I worked directly with the original creditor, XXXX XXXX, to re-establish my account directly with them and still have a membership with them today. 

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, I've never given them consent to report on my credit. 

ACCOUNT NAME : XXXX XXXX, Has reported late payments that continues to harm my credit although the debt was paid in full years ago. I did not consent to the credit bureau to report this information on my credit report. 

These companies have all violated my rights. 1 5 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I N FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I N ACCURATE
Product: Mortgage

On or about XX/XX/XXXX Wells Fargo made a loan with my wife and I in the amount of {$680000.00} - the loan was a predatory loan as well as a non-principal interest only loan. After several request and with legal assistance - I was able to get a loan modification. However I receive a Step - Rate Loan Modification. This type of loan is designed for the borrower to fail. Because the interest rate continues to adjust and the principal never reduces allowing the borrower to create equity in the home. The step rate mortgage is primarily targeted toward XXXX XXXX  Borrowers. I eventually sued Wells Fargo Home Mortgage for violation of the Homeowners Bill of Rights on or around XX/XX/XXXX. And we settled. 

The settlement agreement included the reentry of the loan modification process and review. I had until XX/XX/XXXX to get all requested documents into Wells Fargo. All documents for review was submitted and received on XX/XX/XXXX. On XX/XX/XXXX - a Trustee Sales Date was posted on my home and primary residence. The Notice of Trustee Sale was delivered to my Neighbor. And I believe this was done deliberately to embarrass me and my family. Also I did not receive a Certified Copy that requires a Signature to receive the Notice of Trustee Sale. This is a violation of the Home Owners Bill of Rights. Wells Fargo Violated the Stipulated Agreement made from the lawsuit Settlement - to allow me to seek mortgage assistance by submitting a RMA Package and my financials to be review for mortgage assistance. Instead they decided to move forward with the process to foreclosure on my primary residence - by egregious over zealously attempting to embarrass me and my family.

Wells Fargo is a Predatory Lending and Banking Institution. And their predatory lending practices hurt XXXX XXXX the most. Why? Because - XXXX XXXX are targeted the most toward Predatory Lending and Red Lining. 

I am a XXXX XXXX  Service Connected XXXX Veteran - Branch of Service ( XXXX ). And I did not ask nor did I deserve to receive a loan that is designed for the borrower to fail. Wells Fargo Step Rate Mortgage Loan Modification is a Predatory Loan. And, Wells Fargo Home Mortgage - XXXX XXXX - Customers receive Predatory Loans the most.