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

I am writing to dispute the inclusion of this XXXX  on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and Experian data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Product: Debt collection

I entered into a consumer credit transaction and a finance charge was imposed in the amount of {$610.00}. AFFIRM is alleging that there is a balance of {$4300.00} but the finance charge is the sum of all charges. I was not given proper disclosure and information was not fully, clearly & conspicuously disclosed to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous requests to update my driver 's license information on my credit report. I have contacted all XXXX bureaus multiple times regarding this matter, but as of today, the correction has not been reflected. This is my third request for you to update my address information accurately and in a timely manner. I have attached a copy of my license that show my correct address. 

The only address associated with me is the XXXX on my license. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of information in a consumers credit file. Failure to update and maintain accurate records violates these standards and can result in legal action. 

Please treat this as a formal request to update my records promptly. If additional documentation or information is required, contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an XXXX alert yesterday that a collection had been reported on my credit report. I checked my report and saw that it is from a collection agency called Sequium Asset Solutions and originated from XXXX XXXX. I have an account with XXXX for cell phones, so I called them. My account is up to date and always paid on time. XXXX had no record of another account in my name. I tried contacting Sequium, but they had no record of an account in my name. I disputed with XXXX and the result was the account came back with my information. This has to be a case of fraud. I have had issues in the past two years with someone trying to open accounts at XXXX XXXX XXXXXXXX, but I was able to catch these and have them denied. I placed a fraud alert on my account last fall. It appears that this situation didn't generate a fraud alert since it wasn't a line of credit but cell phone service, I assume. I am not sure how to proceed other than to work with XXXX and try to figure out what is happening. My perfect credit is ruined because of someone else and I feel like I've been taken hostage. It's most distressing.
Product: Credit reporting or other personal consumer reports

Santander Consumer USA or Santander Bank approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. XXXX week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.
Product: Debt collection

In accordance with the Fair Credit reporting Act. Thus account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. law XXXX XXXX XXXX -Account # XXXX, 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 reporting or other personal consumer reports

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers

. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist.

Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.
Product: Checking or savings account

On XX/XX/23 Citibank paid out a check for {$1500.00}. from my checking account that was made out to XXXX XXXX and they gave the money to another party. 
This check was sent in the mail and written out to XXXX XXXX. XXXX XXXX did not receive the payment. 
I requested a copy of the cleared check and I showed the endorsement to XXXX XXXX. It was not endorsed by XXXX XXXX and I've have asked Citibank WHO THEY PAID THIS money too?? They did not answer this question. Citibank has all the information. They alone know who they gave the money to, not me, based on the check endorsement. 
I've signed an affidavit and XXXX XXXX sent a letter on their letterhead. They have now asked me to a third round of notarized affidavits to be sent back to them. I think they are just trying to wear me down, so I'll drop the matter. 
They paid a check that was clearly written out to someone else. I spoken to people at the bank, on the fraud line and sent back two rounds of notarized letters. 
Please help? 
I have a case number and copies of all letters.
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX XXXX to remove the account off my credit report or to mark it as paid and not derogatory because I have paid the collection agency already. This is hurting my credit score and report.
Product: Credit card or prepaid card

I Paid my credit card ending in XXXX in full on XXXX in the amount of {$890.00}, the posted the interest charge after the payment so a balance of {$7.00} when unpaid for a month, when i realized this I called and they apologized updated the account as not being late and did not pay the late charge ; they said they were going to remove the misinformation from the credit report but never did.
Product: Checking or savings account

I have a business checking account and business credit card with Babk of America. Due to the business being slow I have not being able to make payments timley for my credit card, however Bank of America with out consent or authority has crossed lines and dogged into my checking business account and taken out over $ XXXX without my permission or consent to offset the monthly payment being behind on the credit card. Again they have just taken that $ XXXX out of my business checking account without my permission and applied to the business credit card. This has been done unauthorized and its simply stealing from me this money was for my business rent and they have stolen this money from me without permission.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried calling Equifax to release a freeze on my credit. I gave them all the information requested but they were still unable to check my credit/pull off my freeze. I need this for my business and need it to be handled in order to move forward.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I file a police report with XXXX Police Department. I also file a report with the FTC in reference to the following accounts listed in this report. I was told by Equifax Credit reporting agencies that any information contain in the identity theft report would be block per Fair Credit Reporting Act. As it pertain to theft incident, however as I review my latest report with Equifax I notice the underlying accounts was removed and is now showing again as of XX/XX/XXXX. I am disappointed in how Equifax has handled my file. I am reaching out to the CFPB in order to finally clear my name. I do not deserve to have information that does not belong to me showing on my credit file fraudulently. I have been a victim of identity theft and deserve to be treated as such!
Product: Credit reporting or other personal consumer reports

XXXXn credit reporting agency failed to do a proper investigation after I formed them of XXXX harassment from a lending agency Republic finance located XXXX XXXX XXXX, XXXX, SC XXXX I reported to the CFPB of this company for what I see Consumer, financial protection bureau yall dont take complaints seriously when it comes to these white organizations and their discriminatory practices I was discriminated against consumer, financial protection bureau continue on, allowing this Republic finance to continue on operating business. As usual numerous complaints to XXXX. They failed to remove this. Racist republic Finance from my credit report. it doesnt matter to Consumer, financial protection, bureau or XXXX because XXXX XXXX I see that yall figure XXXX supposed to have bad credit while yall forcing me to do business with a company that show racial harassment towards me when applying for a loan. 80 points have been removed from my credit score because this racist white ignorant white people at Republic finance along with XXXX, credit reporting agency, and the Consumer, financial bureau im feeling totally disrespected by all of you I want all of you to feel bad for. What cfpb along with that XXXX, white company, Republic finance, XXXX XXXX, XXXX, and XXXX XXXX XXXX its not a joke that racial harassment happened to me. I dont care if I got to make XXXX complaints. Every time they notify the credit bureau XXXX forcing me to deal with some white people who care nothing about XXXX people XXXX along with Republic finance. They started this they shouldnt have never told me to come down there and disrespected me Consumer, financial protection bureau you took no action. now the way to get back at me. Republic finances now using the credit bureau owe them nothing they dont have sense enough to apologize after that racist act they committed against me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report.

15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information.

15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice.

I have sent multiple dispute letters to TransUnion requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, TransUnion has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. 
Recently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. 
I am requesting the CFPB to investigate Transunion 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.
Product: Checking or savings account

Several months ago, I received an email from Wells Fargo promoting their Certificate of Deposit ( CD ) account with a 4.8 % annual yield. Following their instructions, I opened the account and deposited my funds. After three months, I discovered that the yield had been reduced to 2.48 % without any prior notice explicitly stating the upcoming change. This lack of transparency and failure to provide clear advance notice constitutes a deceptive practice. It is my belief that Wells Fargo should be advised to cease such misleading practices immediately.
Product: Mortgage

We are closing on our house XX/XX/2022 and the insurance department at Freedom Mortgage paid someone else insurance premium out of my escrow account in the amount of {$3800.00}. I called on XX/XX/2022 and spoke with XXXX XXXX in the insurance department who helped me identify it was indeed someone else 's policy paid out of my escrow account. She was going to refund the money into my escrow account. Days went by and nothing was done.I would call and email daily for updates. Now we are less than 48 hours before closing and they will not refund my money to me. I have spent a total of XXXX days with XXXX hours out of those days on the phone with Freedom Mortgage XXXX department, customer care, and escalations. Nothing has been done! This is the worst experience I have even encountered. employees are lying to us, hanging up on us, and even cursing at us. They will refuse to let me speak with a supervisor and hang up on me. I am out THOUSANDS of dollars for the escrow mistake PLUS the expenses we are incurred while being under contract to sell and buy our new house. If this is not handled and situated in time for the closing to still take place on XX/XX/2022 we will be suing Freedom Mortgage and XXXX XXXX for the time and money we have spent trying to fix a mistake that was not ours.
Product: Checking or savings account

Cashapp at XX/XX/year> received at XXXX a {$50.00} dollars deposit to my Cashapp account. At XXXX I transferred it to my account. the charges to transfer were taken out of the funds and {$47.00} was suppose to be available for me to use instantly. Yet the funds never show up and Since that time I have received and sent text messages to the Cashapp support and one excuse after another has transpired to this point to contact your agency. Cashapp refunded.XXXXXXXX XXXX  which is the fee that was refunded, when they said the had not a thing to do with the transfer. 
sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that did not belong to me. I contacted the creditor and the credit agencies, XXXX, Experian, and XXXX. I explained them that I was not the one to open these account. I sent a letter regarding the account # XXXX, which was a claim by your collection agency XXXX XXXX XXXX, stating that I was in a derogatory condition, such as owing {$410.00} and that XXXX charged this account off on XX/XX/XXXX. I filed a formal Fraudulent Account Statement notice to dispute the charge. I was made aware of identity theft when went to filed my XXXX, XXXX, and XXXX taxes, only to find out that I was a victim of identity theft and fraud. I locked all my accounts and saw items on my credit report that were not my items. The XXXX account is one of the few accounts that was issued without my authorization. I have been subject to identity theft which is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have also included a copy of my government driver 's license and a utility bill as mentioned in your instructions. Thank you for your time and energy to resolve this matter.
Product: Credit card or prepaid card

Through XXXX XXXX product referral, I applied for a Wells Fargo Platinum CC with a 0 % intro rate for 18 months, and an interest rate of 13-27 % at the end of the term based on credit score and income. My credit scores were XXXX through XXXX, XXXX from XXXX, and XXXX from XXXX. WF issues the card with a credit limit of {$1500.00} with 0 % APR through XX/XX/20 and 27 % thereafter. My income annual exceeds the income of 99 % of US households and I have 98 % of available credit across 15 active accounts available. No one at Wells Fargo could explain what the APR would be at the same income and available % of credit with FICO scores differing between 850, 800, 750, 700, 650, etc. I believe that WF falsely advertised the lower 13 % interest rate as a means to trick consumers with good credit history to apply for a credit card that would always be a high interest credit card. Further, I do not believe Wells Fargo is using actuarial or any valid means of issuing credit to risk. I reported the issue to XXXX and XXXX XXXX as well as Wells Fargo. I closed the account with Wells Fargo without ever using it. However, they will be reported as a lender in my report as well as a hard inquiry, adversely impacting my FICO score.
Product: Checking or savings account

I got a offer in the mail in the form of a post card and the offer was ; Open Key Smart Checking, Key Advantage Checking, Key Privilege Checking or Key Privilege Select Checking account using the offer link and code XXXX and make a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. And KeyBank will deposit the bonus funds into your checking account within 90 days of meeting the offer requirements, provided your account is open and in good standing.

The amount is {$400.00}. 

The bank wont call me back and when I call for the manager they said they are busy and they will call me back and they never do, when I call back they put me on hold until it disconnects automatically. I brought the over in to the bank, opened one of the qualifying accounts, had several direct deposits well over {$500.00} and its been 90 days and no funds have been added to my account for completing the requirements.

They also charged me {$6.00} putting my account in the negative by {$5.00} and I think they did it so they didnt have to pay the {$400.00}.