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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I got a new Auto policy in XX/XX/XXXX but was billed till XX/XX/XXXX. I requested progressive to adjust the due amount but they did not do that, and in return they handed my debt to collections which will impact my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Transunion violated my rights and shared, furnished, and sold my non-public information without my consent. This is deemed identity theft. Please remove these items ASAP : XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX.
Product: Checking or savings account

Dear Wells Fargo, I am reaching out with regard to CFPB Complaints # XXXX and # XXXX, and also with regard to Cashier 's Check # XXXX ( Acct # XXXX ). 
The Complaints and Checks concern a matter in which I had alleged a Wells Fargo bank teller had pocketed a cash deposit instead of reporting it to my account. Initially, branch manager XXXX XXXX of this location denied any wrongdoing, and had even denied me being at the branch on the day I claimed to have made the deposit. 
Shortly thereafter, I informed my local police department who was able to confirm my presence on the stated date. Wells Fargo, as a company, then denied any wrongdoing, and quietly sent me an electronic credit for the amount in dispute. 
A couple of days ago, I had received a check ( aforementioned ) in the amount of {$50.00}, with an explanation that it is from a settlement with the CFPB in regard to malicious and horrible business practices. 
This is not, however, an agreed personal settlement that was reached with me. 
-- I conclude that Wells Fargo 's sending of this check constitutes evidence, on first-sight, that Wells Fargo understands it's behavior was wrong - or at least that Wells Fargo understands that it's behavior was not right. 
However, Wells Fargo has not admitted to me, that Wells Fargo 's behavior was wrong at any point in time - at one point, a local Wells Fargo executive called me from an unlisted number, and began to harass me based upon his finding of my XXXX profile and other social media profiles. 
Wells Fargo still maintains no wrongdoing. 
-- As I have mentioned before, my local police department and the local field office of the Federal Bureau of Investigation have both been informed of the aforementioned events. 
While a police department and/or federal enforcement agency handles criminal allegations, my writing to you today ( as described below ) is to resolve the personal matter through private, binding arbitration - as indicated by your XXXX. 
-- Due to the aforementioned items, I am re-filing my CFPB complaint, and am demanding resolution of this aforementioned dispute via binding arbitration through the American Arbitration Association. 
The dispute boils down to whether or not the employee embezzled customer funds, and whether Wells Fargo 's responses thereafter were an equitable resolution of the inqury/complaint. Please note that I have evidence of my accusations, and will present such evidence to the American Arbitration Association if arbitration is requested to resolve this dispute by Wells Fargo. 
-- However, in lieu of arbitration, I am willing to accept a {$1000.00} settlement offer from Wells Fargo, and am willing to forgo a determination of Wells Fargo 's guilt or innocence. 
However also, if the settlement offer is rejected, I am/would-be requesting a dispute value of {$100000.00}, which is equivalent to the maximum fine imposable for bank employee a sustained criminal allegation theft/embezzlement < {$1000.00}. This amount demanded is only and solely, to resolve the private dispute between myself and Wells Fargo. 
-- -
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a 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: Credit card

We were contacted by a former neighbor of ours telling us that the current owner of the house we sold to him in XX/XX/XXXX had received a credit card in his mailbox with my name on it. I drove over to my former address and retrieved the credit card. The card was a Chase Signature Visa Amazon rewards card. I had not applied for this card, and was shocked that it was sent to an address I had not lived at for 3 and a half years. I called Chase Bank and a customer service representative told me that they had received an online application for the credit card on XX/XX/XXXX. Again, I did not submit this application. I asked Chase why their computer systems were so poor that they could not recognize the disparity between an old address and a current address. They had no explanation for it. Had the gentleman that bought my former home in XX/XX/XXXX not taken the trouble to alert me, who knows how this problem would have evolved. For now, I have placed a 90 day freeze on my credit activity through XXXX. The Chase representative closed the account and noted the activity as fraudulent. He claimed that the XXXX credit bureau would be notified about this credit event as fraudulent also. Given the depths of the current XXXX bogus account creation scandal by their own employees, I find what Chase Bank did in this case highly questionable. Is it extreme sloppiness, or was it deliberate? Either way, sending out a credit card to an address over three years old is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 ACCOUNTS XXXX XXXX  4 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND EXPERIAN I WAS UNABLE TO GET XXXX
Product: Debt collection

Never received anything from them or have any documents about their company.I have no account with this company but they our reporting on my credit report I would like to have this removed from my credit report immediately. They have not provided me with original copy of contract with signature like I asked for or neither have they provided Validation of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following inaccurate accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen by someone in the Equifax data breach then notes on all three credit reporting agencies hard inquiries on all three UI did not apply for I filled oout a report on Identity theft.gov web page sent copy to all three about this information and companies that took my information and checked credit for a job in XXXX state in XXXX and it shows I lived in XXXX since XXXX and that my ID throu Equifax was stolen and the credit reporting agency will do nothing about the information of id theft report I sent them with police reports as well. XXXX and Equifax and XXXX want me to send them a copy of my drivers license and social security card by mail or fax but XXXX law prohibits it when there is a identity theft problem that lists with all three credit reporting agency and they all said they dont care and will do nothing have not been able to even get e response from all three with in by federal credit reporting law I filed dispute 2 months ago and cant get response because have accounts with all three and are paperlise responses and all three have blocked me from my accounts du to  CFPB complaints all three did nothing to finish the disputes by the law provided time frame of 30 days.and the last three complaints through the CFPB I attached all information they asked for and still they did nothing but block me from my accounts. 
Equifax XXXX and XXXX have been added to my identity theft .gov report I am to have a free security freeze on my report after sending via CFPB complaint of id theft and they said no I dont care have voice recording of them saying it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Checking or savings account

During year XXXX I loaned funds from my personal account at San Diego County Credit Union, XXXX XXXX to a close personal friend ( app {$26000.00} ). I can not currently access my account to provide exact dates/amounts. I was reimbursed in full XX/XX/XXXX and funds deposited in my SDCCU savings account. XX/XX/XXXX I went to SDCCU to withdraw funds from my account and was referred to XXXX XXXX XXXX, Asst. Branch Mgr., who proceeded to question, harass, embarrass, humiliate me & ultimately denied my cash withdrawal request. Her apparent authoritarian conclusion was that I was incapable of handling my own financial affairs ; further evidenced by a referral to XXXX XXXX Department of Public Social Services. Representative at my door XX/XX/XXXX XXXX AM was courteously sent away by me. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me an investigation with SDCCU Fraud Investigations Dept. was initiated. The letter provided a case #, an email account, telephone # to contact the Fraud Investigations Dept. and no other details. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me the investigation had concluded with same email, telephone # and no other details. Unable to access my acct I had contacted my attorney who advised me to send an email informing SDCCU & XXXX XXXX of our intent to file complaints with the Better Business Bureau & the Consumer Financial Protection Bureau followed by a lawsuit citing harassment, discrimination, interference in my personal financial affairs & illegally holding personal funds XXXX which I had done on XX/XX/XXXX. Sent 2 additional emails asking for information ( XX/XX/XXXX & XX/XX/XXXX ). No response to date from SDCCU. In conclusion, I am still unable to access my account. SDCCU blocking access with no communication or explanation why. I need to file XXXX taxes but am unable to access pertinent tax forms relative to my SDCCU acct. SDCCU incompetence is impacting my financial affairs including my standing with the Federal & State govts. I need a resolution NOW.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following dateXXXX. Since then the date of last activity has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On XXXX, the account is not reporting at all. On TransUnion it's XX/XX/XXXX. 

If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report : Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

PNC Checking account application was submitted on XX/XX/XXXX online, then the application was processed and opened by the bank on XX/XX/XXXX. It was a joint account, I was listed as the secondary user. 
XXXX deposits were made. The first deposit was a check made out to me, deposited on XXXX XXXX, XXXX, at the XXXX branch. The XXXX deposit was made via direct deposit by my employer ( payroll ) on XXXX XXXX. 
On XXXX XXXX, XXXX, I received a text message stating my balance was {$0.00}. I contacted PNC via the chat app, and the representative informed me to call customer service. I called customer service, and they told me to send an email. I went to the branch and finally, someone was able to inform me that the issue was the primary account holder needed to submit his permanent resident green card, and our account would remain frozen until then. 
It is my understanding that freezing an account based on immigration status is illegal. The CFPB reported on XXXX, XXXX that creditors should be aware that unnecessary or overbroad reliance on immigration status, including when that reliance XXXX based on bias, XXXX run afoul of the law. The actions taken by PNC Bank not only seem illegal but unethical since no notification was sent regarding any issues with the account. Also, online representatives were not able to provide any information on why the account had a hold.
Product: Checking or savings account

I was a wellsfargo customer between XXXX and XXXX and have been miss charged for overdraft fees for years
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report. Please remove them from my credit immediately. 

DISCOVER FINANCIAL SER XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : Affrim INC # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS AFFIRM INC AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with AFFIRM INC or any of its Affiliates nor have I ever engaged in any business with AFFRIM INC in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Product: Debt collection

Would not send me any paperwork through mail. Only emailed me a form stating what I agreed to pay back. Did not say anything about where my debt was from.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX and I had an auto loan with WellsFargo for more than 6 years and as of last year, I had paid off my loan. The reason for this complaint is that I believe I was overcharged for the loan because I signed the loan for 6 years and ended up paying longer than the contract agreement. I had the loan taken out automatically therefore I have lost track of how long the exact loan were paid out for. I am wondering if you would help me look into this matter. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Theres an account on my credit with BARCLAYSBK thats an fraud account and I didn't authorize. I've sent letters to company and it still remains on my XXXX  report from XX/XX/2014 2014
Product: Credit reporting or other personal consumer reports

CFPB Complaint XXXX XXXX XXXX Here is the information requested by XXXX  Remove all personal information and inaccurate information from my credit report.

Dear XXXX XXXX XXXX, I am writing to formally request to opt-out of all services and communications from XXXX  Please ensure that my personal information is removed from your databases and that I no longer receive any promotional materials, emails, or any other form of communication from your company. 

Please confirm receipt of this request and provide written confirmation that my opt-out request has been processed and that my personal information has been removed from your records. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

credit item ( partial account number ) XXXX 'XXXX ' shows account opened XX/XX/2012 and reported delinquent XX/XX/2012 ; thus not allowing 30 days. and according to payment history legend the time is to be 30 days past due. therefore due process was not observed and my rights were ignored. I would like this incorrectly placed credit item removed from my record. thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the Equifax breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX  {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX  9. XXXX XXXX XXXX
Product: Credit card

I had " Auto-Pay '' set up to automatically pay my monthly AMEX bills in full. Due to a mistake committed by my bank from which the Auto-Pay was set up, AMEX has been wrongfully charging me repeated LATE FEES and INTEREST CHARGES despite me calling them numerous times and paying my statement in full. AMEX is wrongfully engaging in predatory business tactics and illegally charging fees and interest.
Product: Mortgage

On XX/XX/19, I was contacted by XXXX XXXX ( XXXX ), from a company called AmeriSave, and was offered a refinance loan on my house per an ad I reponded to online. I gave him my ssn, home address, etc. He pulled my credit and said it should be no problem getting approved at 3.5 % w/ XXXX in equity coming back to me. He said my credit was fine for this and said we need to move forward with the appraisal. So I did and paid XXXX for it ( which was to be reimbursed upon completion of the loan ) on XX/XX/XXXX I received an email stating they couldnt process my loan due to credit issues or incompleteness of loan. I wantIve called and left several messages w/Mr. XXXX w/ no  response. I want my money back at the least and be given the number to a reputable company who takes care of vets. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the company I most hate filing a complaint on, but I am forced to! I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there! I am filing this complaint in regards to the recent Equifax Hack. I visited Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) and checked my Last Name/Last 6 Digits of SSN and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As a result I am filing this complaint. I believe my info was mishandled in being included in this hack. 

Thank you! 

Kind regards, XXXX