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

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I have recently become a victim of identity theft following a major data breach, as reported by XXXX XXXX on XX/XX/XXXX. This breach exposed sensitive personal information, including Social Security numbers, leading to a significant and unauthorized impact on my credit profile. 

Upon reviewing my credit reports from XXXX, Experian, and XXXX, I discovered multiple unauthorized credit inquiries and the opening of a business account that I did not consent to. These unauthorized activities began appearing on my credit report as early as XX/XX/XXXX, and have persisted throughout XXXX. Specific entities such as XXXX XXXX, XXXX XXXX, XXXX, XXXX, and several others have made hard inquiries or opened accounts in my name without my authorization. 

The most egregious of these unauthorized actions includes a business line of credit opened under my name with XXXX, bearing the account number XXXX. This account was reported as opened on XX/XX/XXXX, with a high balance of {$650.00} and was subsequently charged off as bad debt by XX/XX/XXXX. This has not only misrepresented my financial behavior but also adversely affected my XXXX XXXX and overall creditworthiness. 

I have never authorized these inquiries or the opening of this account, and I assert that their existence on my credit report is a direct result of the data breach. This situation has placed an undue burden on my personal finances and XXXX XXXX, as I navigate the complexities of restoring my good name and credit standing. 

I am in the process of disputing these inaccuracies with the respective credit bureaus and have alerted them to these breaches of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have also informed them that should these discrepancies not be resolved within the legal timeframe of 30 days, I am prepared to take legal action to protect my rights and recover my credit integrity. 



In XX/XX/XXXX, following a major data breach reported on XX/XX/XXXX, which involved the compromise of sensitive personal data including Social Security numbers, my credit profile was adversely affected. Several unauthorized credit inquiries and the opening of a business account were made without my consent. 

Key Events : XX/XX/XXXX : An unauthorized business line of credit was opened, later charged off as bad debt on XX/XX/XXXX, with a high balance reported as {$650.00}. 
Throughout XXXX and XXXX : Multiple hard inquiries were made by various financial institutions and companies, including but not limited to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. These actions were unauthorized and have significantly impacted my XXXX XXXX and standing. 

Actions Taken : I have initiated disputes with all XXXX XXXX  credit bureausXXXX Experian, and XXXX rectify the unauthorized inquiries and account openings recorded on my credit report. 
I have clearly informed the credit bureaus that if the discrepancies are not resolved within 30 days, legal action will be considered to enforce my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

False reporting to XXXX credit agencies, unable to validate debt. 
unable to provide signatures regarding debt and dates. 
I did not sign an agreement with XXXX XXXX XXXX, or national credit systems at any time. false debt. 
XXXX XXXX XXXX has no license to collect debt in my state, see documents in attachment. 
National credit systems is operating illegally to fraudlent get funds from seniours, elderly fraud. 
I am a senior and I did not meet, or know XXXX XXXX or do business with him at anytime in my life. 
XXXX financial abuse.
Product: Checking or savings account

I am in a class action suit against Wells Fargo for my complaint related to an unauthorized account. On XXXX/XXXX/XXXX Wells Fargo made an unauthorized direct deposit of {$85.00} to my bank account that was not earmarked and was unspecified and with no prior notification to try to offset the final settlement amount by forcing upon me {$85.00} to satisfy any financial harm without my consent or knowledge. 
This unspecified direct deposit noted only as " Customer Complaint '' was dated ( XXXX XXXX which my local Wells Fargo knew nothing about nor could tell me where it came from set off alarm bells as my bank account had previously been twice compromised after the XXXX breach. 
I received a letter in the mail onXXXX with no check as was mentioned in this letter it specified that they made an unauthorized direct deposit to my bank account. Wells Fargo could have sent a check in the mail along with this letter of explanation of what the {$85.00} was for thereby leaving me a choice to deposit the amount or NOT! Wells Fargo did not have permission to access my bank account make an unauthorized direct deposit. They breached my account. This is a deceptive effort on their part to deny consumers the ability to have a settlement in full! I will have to send a copy of notification and copy of bank deposit via mail.
Product: Debt collection

-Dispute of Credit Report Entry Under FCRA, Section 611 [ 15 U.S.C. 1681i ] Attention XXXX, XXXX & XXXX, I am writing to dispute the following information in my file. The items I am disputing are incorrect and should be deleted in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15U.S.C. & 1681i ]. 
The items in question are : Original Creditor : XXXX XXXXXXXX XXXX Account Ending : XXXX Collection Agency : Resurgent Capital Services, ID : XXXX Amount : {$780.00} This account should be removed from my credit report because the balance was paid in full to Resurgent Capital Services. As per our agreement, this account was to be immediately deleted from my credit profile upon payment. The payment was made in full. 
Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter and remove the erroneous information from my credit report. Please conduct a thorough review of this dispute, and if necessary, verify the validity of the agreement with Resurgent Capital Services. 
Please notify me of the results of your investigation as soon as possible. I would appreciate your prompt attention to this matter and look forward to the removal of these inaccurate entries. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain names and addresses from my credit report. I believe that these entries are inaccurate and do not reflect my current or past personal information.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, I have the right to dispute information that is inaccurate or incomplete. As such, I am requesting that you remove any names and addresses that do not pertain to me or that are incorrect from my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I place a order for XXXX $ of Bitcoins - I submitted my bitcoins to be transferred to another account - When I finalized my submission " after the sent was already initialized '' Coinbase gave me a confirmation on the website saying the fees total for sending my bitcoins was more vaule of what I owned.. 

How the heck can coinbase even do a transaction like this? I can name numerous sites and their partners that will not allow this to happen.. XXXX even 3rd world parties exchanges based in fraud-ville XXXX has better consumer protection. 

Coinbase has NO CONSUMER PROTECTION WHAT SO EVER " Oh yeah.. btw I did get my transaction completed.. like XXXX cents negative. '' Coinbase partner " XXXX '' they will reject your transaction to send if the amount is above of what you own and will allow you to adjust it.. So how the XXXX can a small mom amd pops business made by college kids in their XXXX can developed some type of consumer protection while Coinbase can not even conceived this?! Is this a loop hole they are using to steal bitcoins? This is serious by far! How many Currency exchange " ANY WHERE THE WORLD '' will allow this to happen to a customer? probably none.. 

They need to cease all transaction till they can fix this and protect the consumer first instead of filling their wallets .... I bet you didnt know Coinbase has their own bitcoin miners.. LOL LOL wow.. man.. another XXXX exchange.. .. and this one is in the USA.. XXXX I get better services out my XXXX based exchange.. this is sad by FAR!!!
Product: Consumer Loan

I am disputing the validity of the Ally account listed on my credit report. Based upon the records provided to me by Ally, the last payment I made was XX/XX/XXXX. When I made the XX/XX/XXXX payment, the car was paid in full. XX/XX/XXXX, I actually paid several months of payments all at once. When the car was originally financed it was financed at O % interest with GMAC. I did n't make any additional payments after the XX/XX/XXXX payment because the entire balance should have been paid in full. I never received the title and refused to make anymore payments because I knew the car had been paid for in full. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX. Acct XXXX. Date open : XX/XX/XXXX, XXXX charge off date : XX/XX/2022. 

I Contact the creditor and spoke with a young lady by the name of XXXX, the agent was completed disrespectful and didn't assist me in what i needed regarding the account. 







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.
Product: Mortgage

My payment made on XX/XX/XXXX was reversed days before Wells Fargo sent the loan to foreclosure. This is a blatant violation of the Frank-Dodd Act and Federal Banking Regulation Z. Wells Fargo has sent a XXXX letter to my insurance company telling them that the property is vacant or abandoned so my insurance company will cancel my policy and I will be forced to pay for Wells Fargo 's over priced insurance. This property has never been vacant in the XXXX years since I purchased it. 
Wells Fargo says " Customer was unavailable for consultation. '' The truth is Wells Fargo made no verifiable attempt to contact me. If Wells Fargo was not harassing me XXXX times a day they would be able to leave a message on the answering machine. 
Case number : XXXXWells Fargo Home Mortgage said : Explanation of closureCustomer was unavailable for consultation. 
See attached resolution letter. 
XXXX XXXX XXXXThis started when Wells Fargo withdrew money from the escrow account for expensesthat Wells Fargo did not incur. Then Wells Fargo applied our principle and interestpayments to the escrow account to cover the money Wells Fargo stole from theescrow account instead of applying the money to the loan. We have requested abalance statement for the escrow account a couple times verbal and a couple times inwriting. Wells Fargo recently sent us a letter stating Wells Fargo will not respond toissues with our account. We record our calls and have written documentation of WellsFargo 's crimes, so we could sue Wells Fargo. We would prefer to keep this out of thecourts. We have managed to make all our full payments before the grace periodexpires for over a year and a half. The last few months Wells Fargo lists our fullpayment as unapplied funds, so they can charge us more interest and late fees. We arecurrent on this loan and we have written documentation to prove it. Wells Fargo hassent us another ultimatum to pay what Wells Fargo says we owe by XX/XX/XXXXor they will foreclose on our property. 

I have filed another complaint with CFPB because XXXX XXXX failed to address the issues with this account. Case number : XXXX XXXX - Wells Fargo Executive Mortgage Specialist, stated that " You would have had to show proof of insurance coverage without any lapse for a full refund of the LPI premium. " This is not only a false statement it is a violation of a Federal Court Order. 
This is why Wells Fargo was sued and lost in Case No. XXXX. 
XXXX XXXX also failed to address the issue with payment of the 2009 property taxes from the escrow account.
Product: Consumer Loan

I financed a XXXX XXXX XXXX XXXX/XXXX/XXXX through Drive Financial XXXX for XXXX payments of {$650.00} first payment coming due XXXX/XXXX/XXXX. Total of payments at maturity would be {$46000.00}. Sometime thereafter, Santander Consumer USA bought the contract. My maturity should have been XXXX/XXXX/XXXX XXXX changed due date from XXXX to XXXX ) However, due to XXXX extensions/defferals ( job related issues, will elaberate when necassary ) it was changed to XXXX/XXXX/XXXX & all subsequent statements reflect that date. At the time of my XXXX XXXX statement, it showed that I still owed over {$10000.00}!!! Also, from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX XXXX 14 months XXXX my balance did not change!! I 've continued to make payments to avoid a possible repossession & as of my last payment XXXX/XXXX/XXXX they 're still saying I owe {$8500.00}. I 've added up all payments from my payment history & total monies I 've paid Sanatnder is {$49000.00} which is {$3000.00} over what my contract calls for!! Their contract reads that they can apply the payment to either the Finance Charge or Principal Balance or to any other balances I owe, " in any order they choose '' & it seems they 've done just that!! 

I 've lived up to my committment on this contract & feel that I 'm no longer obligated nor willing to pay them another cent! I ca n't afford another vehicle & looked forward to paying off this vehicle to have breathing room within my budget! No matter who you talk to at Santander, they ca n't give any explanation & have no clue as to what 's happening & stick to some pre-written script to answer questions. 

This company has XXXX complaints filed against them with the BBB XXXX XXXX XXXX XXXX XXXX websites just to name a few. Numerous suits have been filed, including the United States Dept. of Justice case that was settled XXXX due to violating the Servicemembers Civil Relief Act ( SCRA ), suits involving the Telephone Consumer Protection Act ( TCPA ). The list goes on & on!!! I 've contacted the Texas State Attorney Generals office & they seem blind & oblivous to this company. How can this be when they 're locate din XXXX?? 

I 'm one of many individuals that need help in getting whatever I 've overpaid AND my title! I have all supporting documents needed upon request. 

Please HELP!!
Product: Debt collection

On XXXX XXXX, XXXX, I had a ( 6 ) XXXX XXXX  done at XXXX XXXX, when I received the EOB statement from XXXX XXXX XXXX XXXX Texas, it stated I owe nothing to XXXX XXXX, however, they sent me a bill for {$130.00} besides having upfront charged me {$13.00}. I called quest, and the lady that spoke with me, told me she need proof to email them the EOB. I sent her the mail with the attachment. On XX/XX/XXXX, I received an email from the billing department stating " This is to inform you that your tests for this bill have been paid in full. The amount of {$13.00} you authorized on XX/XX/XXXX for this bill will not be charged to your credit card. Please save this message for your records. '' A few months later, I received the same bill again. I called and told them that had been resolved, the lady upon looking, she said they made 2 bills for the same service one to XXXX XXXX XXXX XXXX Texas and the other to XXXX XXXX XXXX XXXX XXXX Ohio, she apologize and said it was going to fix it since I don't have XXXX XXXX A few months later, I received the same bill, I again tried to call and they said that I had to prove the bill was paid or my name would continue in the collection and it was my problem, at this point, I'm already angry. I ignored it, didn't want to get aggravated since every phone call takes over an hour of my time, but they continue to send the bills. On XXXX XXXX XXXX, I called XXXX Texas and in a 3-way call with XXXX, an agent called XXXX said she was going to fix everything and removed my name from the collection, On XX/XX/XXXX, I received a call from XXXX Texas stating that XXXX  replied that the issued was resolved. On XX/XX/XXXX another letter was issued and I received it on XX/XX/XXXX, I and XXXX Texas called XXXX, and the call was directed to Radius Collection Solution ( we were not allowed to talk to XXXX  because I was in the collection ), according to the Collection company, XXXX never sent anything to clear my name, even thou they request what to do after I had called many times stating the bill has been paid, XXXX  refused or never wanted to answer neither the XXXX Texas nor the collection company.
Product: Credit reporting or other personal consumer reports

there was an agreement that once the loan was paid off, it would be removed from my credit report, the loan is fully paid off and has been fully paid off for a while, but they still have not removed it from my credit report how they agreed to from the beginning
Product: Credit reporting, credit repair services, or other personal consumer reports

My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required Discover to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. Discovers response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the 30-day requirement as prescribed in the following FCRA laws. It appears that Discover received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. Discovers act of deception was still out of compliance because Discover mailed it outside of the 30-day window for the first dispute, and Discover committed fraud in  the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting  agency would be required to complete its action if the consumer had elected to dispute the information under that section. 

* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

My loan was just transferred to SunTrust now Truist. What terrible service. They bought my loan and assigned me a new loan account # but never bothered to mail or email me the new number so I have no way to create an account online to pay it. Calling their customer support number it just hangs up or gives busy signal. Requested an immediate call via their XXXX  page ( where many similar complaints can be found ) no response.
Product: Credit card or prepaid card

Comenity Capital Bank will not provide a monthly statement for XX/XX/2021. I sent a letter, on XX/XX/2021. My letter reads : " This is a Billing Error Notice.... Please make available to me a monthly statement for XX/XX/2021. Although my account has a XXXX  balance, there was activity. ''