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

I trust this letter finds you well. This is to follow up and I would hardly express my continued frustration and disappointment with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this situation. I have submitted multiple disputes, provided supporting documentation, and taken all necessary steps to address the fraudulent activities affecting my credit history. The fraudulent items in question have been a source of considerable distress and financial hardship. Despite my diligent efforts to follow your established dispute resolution process, I have not seen a satisfactory resolution to this matter. However, the prolonged existence of these fraudulent items on my credit report is adversely impacting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and fair credit reporting. I urge you to conduct a comprehensive review of my case, expedite the investigation process, and take immediate action to remove the fraudulent items from my credit report. I kindly request regular updates on the progress of the investigation and prompt resolution of this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/24 I requested BMO Bank XXXX XXXX XXXX to close my personal Cash Back Credit Card, via online account secure messaging, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me to call in to close my credit card. On XX/XX/24 I called BMO Bank XXXX, and requested to close my credit card, during the process the phone call was disconnected. I called right back and requested again to have my credit card closed, customer service banker informed me the account is now closed, I then destroyed the credit card. On XX/XX/24 I logged in at XXXX XXXX XXXX XXXX XXXX to verify the credit card is closed, but the account is currently open. 

NOTE : Credit card was originally managed by Bank of the West, in which BMO Bank acquired them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 ) XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/XXXX at XXXX XXXX  I get a call from someone posing as Wells Fargo, the caller ID was ( XXXX ) XXXX. I answered and they proceeded to inform me that there were fraudulent charges on my debit card and listed XXXX phony charges which never happened in Florida. They already had my Online Wells Fargo Username and password, and while they had me on the phone, they added a wire contact, under my name. Recipient 's bank was XXXX. They then had me type in a * # # to enable call forwarding to their voip number. I was driving and couldn't check my account or read what the prompt just activated on my iphone. 

They then began initiating the wire transfers which prompted the 2FA codes texted to me which I recited back to them ( Wells Fargo actually had the same process when I filed my claims ). First, they performed cash advance from my Credit Card account of {$1500.00} to my checking, then transferred XXXX from my savings and XXXX from my checking. They placed me on a brief hold then the call was disconnected. As soon as I was able to check my phone, I realized what had happened and immediately called Wells Fargo XXXX XXXX at XXXX to have them recall the transfers and freeze my accounts. They did, and issued me new accounts, provided me with a claim # and told me it would be XXXX business days. 

Later that day, I filed an FBI claim for what had transpired in full detail. 

Today ( XX/XX/20 ), I received XXXX letters denying my claims. They're reason is " I am responsible for online wires that originate using your username or password '' even though these individuals already had my WF credentials which Wells Fargo is entrusted to keep secured. Now my checking account has a negative balance and the XXXX is still present on my credit card. That was everything I had and this is going to really make it hard to live. I've placed my medical treatments on hold because of this, and I really just need to be made whole again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- XXXX -- XXXX XXXX XX/XX/XXXX -- Equifax -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Company attempting to collect a debt during the moratorium of the COVID-19 pandemic. 
I never said that I was under bankruptcy protection and they are misrepresenting information relates to me.
Product: Mortgage

Please see acknowledgment of no notification of the modification in XX/XX/XXXX. I never requested a modification in XXXX, ; I complained about the closing disclosure being changed at the closing table. Please see there are several contradictions in wells fargo responses and documents. Please see the title clearance and modification. please see the denial of the modification. I never received any noticed the modification was denied. I called for an update and received that message. I was told to make payments for months. I made all payments with a little extra. but, was ever notified about the denial. please see payment history attached. please see wells fargo telling me I must submit income in order to be considered for a modification. although they stated they did not require. payments changed due to and escrow overage and I've been paying more than the balance due. what happened to the money why did the payment go up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX  Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity ThefXXXX XXXX XXXX Account Number : XXXX Delete this account. 
16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Student loan

I have had a student loan serviced by Navient since XX/XX/2000 's. I have tried to make over payments each month to reduce my principal but have had problems even getting Navient to respond to my request in any way. I have included separate letters stating exactly how I wanted my overpayment directed and over the years they have never applied my payments properly as requested. I have written many times and have never even received one single reply as to why my payments were not applied. I want them to go back and apply each payment as I requested and that met their own criteria and all the interest for the amount of amortization that should have occured due to the over payment and adjustments returned to me or applied directly to the principal amount of my loan. I would also like statements including the original loan amounts over the life of my loan mailed to me so I can have my accountants examine these statements. 
XXXX & XXXX XXXX account number XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX ss # XXXX address XXXX XXXX XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and spoken with XXXX, Transunion, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and Transunion and XXXX did n't budge has refused to budge and continues to report this on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

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

I sent a letter out on XX/XX/2022 to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talk to. 

How did they complete this investigation
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

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

There were XXXX unauthorized Inquiries made on my XXXX XXXX credit report, the unwanted inquires were made by XXXX and CB INDIGO i noticed this through XXXX XXXX, i already contacted XXXX to start a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Checking or savings account

on XX/XX/XXXX, XXXX received transfer alert because I set my bank alert at {$900.00} to make sure I didn't miss any fraud in my bank account.it said {$1400.00} was being sent to XXXX. I do not know who XXXX is. when I looked back on my checking act this company has been taking money out each month since XXXX XXXX the amount not always the same it varies from XXXX to XXXX so, I called my bank Chase and ask for any information they had on where this was going. they gave me a phone number to call. XXXX. I called phone number and is a credit union. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I ask them if they could tell how i was sending this money to them and they said no My name did not show in their system at all. when I called back my bank, they said they can't give me any refunds after 60 days. that I should of notice this on my own. Andi never got an alert on my act for all of these that were over {$900.00}. My bank did give me 4 payments back. I really think they should give me all back.
Product: Checking or savings account

i opened up a brokerage account with Robinhood XXXX and i deposited {$900.00} into the account but since i deposited the {$900.00}, Robinhood put a restriction on my account that has made me not to be able to withdraw or do anything with my own hard earned money. I have complained and I have also done every single thing that they have asked me to do but they are not doing anything about my issue of not being able to access my money, each time I call or chat with them on their live chat menu, all they say is that my case has been transfered to there email Custormer care department and that I should be expecting them to follow me on up through email. Robinhood have seized my money for no reason at all for almost 2months and counting .... I don't know what do about this issue anymore, please I need help getting my money back from Robinhood XXXX
Product: Debt collection

I disputed the validity of the alleged debt. I also requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

Account : AR RESOURCES INC : Account No : XXXX Amount : {$720.00} I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete.
Product: Debt collection

Kindly take swift action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing me considerable stress.
Product: Checking or savings account

XX/XX/XXXX went to chase bank approved from checking started dir. Deposit and ordered atm card. Deposites starting funds. XXXX couldnt assess acct info from phone was suspended Called chase bank said account was closed and is final and cant give an explanation or possible solution to fix the problem to keep acct open. 


Please help
Product: Mortgage

I have been having problems with accurate accounting of my loan with Wells Fargo Home Mortgage. I worked to resolve this problem with WFHM and was approved for a Loan Modification. The Loan amount on my home is $ XXXX. I have been making the payments but when WFHM sent the final loan documents they nearly doubled the loan amount. The house will never be worth the amount they increased the amount of the loan to. They added $ XXXX in interest fees and late fees. They are trying to hold up my loan modification and are not applying the monies I am paying each month until I agree to their increased amount of the loan. This is not accurate and their accounting was never right. It is illegal for XXXX to try to force me to pay nearly double of my original note. They are forcing me into a situation in which the home will never be worth what they increased the amount to. I have no problem with the original loan note of $ XXXX, that is all the home is worth. They are tacking on $ XXXX of fees in which they have no basis and accurate accounting. They are also not applying my mortgage payments to my prinicipal until I agree to their terms. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act COMENITYCB/ZALES Acct # XXXX, has violated my rights. 
They stated on my credit report that I was late in XXXX, but that's fraudulent and unfair to me. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose