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

To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 

WELLS FARGO AUTO CRE XXXX XXXX Account # : XXXX Account Description : XXXX XXXX Account Rating : As Agreed Account Status : Open Account Type : Installment Balance Owed : {$24000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$37000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$640.00} Payment Frequency : -- Payment Status : AsAgreed Term Length : XXXX Loan Type : Automobile I've found a late payment entry for account WELLS FARGO AUTO CRE for XXXX in XXXX on my credit report, but I can't find any evidence of it. According to 15 USC 1666 of the Truth in Lending Act ( TILA ), and as highlighted in cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it's your responsibility to provide proof if it exists. If no proof is available, please update the status to " paid as agreed, never late. '' Your prompt action is appreciated. 
In appreciation The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 

XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : 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 or prepaid card

XX/XX/2017  - ( {$25.00} ) My credit card company declined an automatic payment from my internet service company for the month of  XX/XX/XXXX . Due to the payment decline, I got charge with a {$25.00} fee. I contacted my credit card company about their system error, and they refused to accept the responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Prepaid card

I bought a XXXX XXXX XXXX card at XXXX on XXXX XXXX 2024. The balance loaded was {$500.00}. I can see that the card has a balance of {$500.00}. However, when I try to use it for online purchases it keeps getting declined. I have tried XXXX different websites. 
Tried calling the XXXX number on the card ( XXXX ). It is not possible to reach a live person and no option to file an online complaint for this problem. 
I have only tried to spend {$200.00}.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX the owner of XXXX XXXX XXXX setout to open business paypal account on date of XX/XX/year> which i did provided all documentations requiured by paypal and they still went ahead to close my account and not give me a tangible reasons as to why it was closed
Product: Credit card

I was the victim of identity fraud on XX/XX/2023. The hackers got my phone number transferred them. I immediately, within minutes or an hour, called BofA to report it. I was told to go into a BofA branch. I did this immediately after the hack. I told BofA to stop any transactions and to cancel my credit card immediately ; both to the customer support line and in the branch. I did notice a {$9200.00} cash advance that I did not initiate and made BofA aware of that. I was told everything was taken care of. I have never asked for a cash advance and it was crystal clear this was fraud.

BofA then transferred the money to the hackers, which I say is a level of incompetence that shocked me given the multiple warnings and the unusual nature of the transaction. I assumed that BofA would not transfer the money to the hackers but I was floored to see the {$9200.00} on my XXXX statement and a direct deposit transaction fee of {$270.00}. I, again, went into a branch in XXXX  XXXX ( while on vacation ), to resolve the issue. The BofA fraud department listed it as a fraud claim and the my claim was resolved for the {$9200.00}. I was told the {$270.00} fee would also be refunded. 

But no ... .I get my XXXX statement and the {$270.00} was still there plus a charge of {$1.00} interest. Again, more calls, to resolve it. As of today, my balance is {$0.00}. 

BofA errors : 1. Despite my telling them multiple times, they forwarded money to the hackers. 2. Made me make multiple multiple calls and take time out from my vacation to fix what was an error on BofA part. 3. Encouraging hackers to attack BofA customers due to lack security.
Product: Debt collection

The agency continuously called/harassed me by calling within and outside of normal calling hours. The agency then attempted to report information every day and every other week to the credit bureaus. I called the representatives failed to help remedy the issue.
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX XXXX or company they are reporting a debt on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit card or prepaid card

I was invited to apply for the PayPal Cashback card. Upon applying I was instantly denied. The response I received said that I was denied because my XXXX credit report was frozen. I contacted XXXX and they confirmed both my phone and through a XXXX chat that my credit report was not in fact frozen. I then tried to apply for the PayPal card and once again was denied because my XXXX report was frozen even though I had confirmed with XXXX that was not the case. I tried speaking with Synchrony on the phone and they told me that there was nothing they could do and I should contact XXXX. I do not believe this is a XXXX issue. I have never experienced this issue before and I believe this is Synchronys fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

1. XX/XX/30 : {$1000.00} was charged as a pending payment. This transaction was done online. Merchant was XXXX XXXX XXXX. It didn't specify the exact branch. I wasn't able to reach out to the merchant due to lacking info. While this happened, I was at home. 
2. I recognized this transaction 51 minutes later and immediately reported it to BOA. 
3. They issued a new card and canceled the old one. I was told BOA is going to investigate and give me answers within 2 biling cycles. I requested to cancel the pending payment but was told it's impossible.

4. XXXX : Payment was authorized as {$560.00}. 
Provided specific info of the merchant. It was XXXX XXXX XXXX XXXX The address is XXXX XXXX XXXX XXXX, XXXX, DC XXXX. 
5. XXXX : Claim status on BOA website has changed to 'Resolved '. I was told this transaction was done by 'reliable customer '. 
In other words, I am responsible for this. The agent told me that I can request re-investigation on the following day. 
6. Reached out to the merchant and verified that they always require a card which a customer used to make a reservation online and valid ID that matches the name of the card holder to check in. Also, as the transaction was authorized, that indicates someone already checked in and out. 

If it's needed, I absolutely can do my best to provide any proof to prove that I was not in this accomodation place on this specific period. 

I have no idea how this transaction was authorized without appropriate verification and permission from myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card

My son, who has a gambling disorder, used our Discover credit card over the summer of 2023 for online gambling with XXXX. What I find sickening is that Discover allowed the entire credit line to be used for online gambling. I confirmed that my credit card agreement with Discover shows online gambling charges are considered a cash advance. So instead of owing a small % of my credit line ( as per the contractual agreement ), I am being held to the full amount. How many consumers are being held responsible by Discover for this irresponsible lending practice? What reputable credit card company allows consumers to gamble their entire credit card line? 

I contacted Discover multiple times for an explanation of this consumer protection failure but have never received a response. They have never explained to me why my full line of credit was able to be charged instead of a small % as cash advance ( contrary to the contractual agreement ). 

If Discover wants to be a company that helps consumers with a brighter financial future, this type of practice is not convincing.
Product: Mortgage

I had a house that was foreclosed in XXXX or XXXX. The house sold at a sheriffs sale for less than I owed. In XX/XX/XXXX a judge granted Dietech mortgage a judgement against me that I had no clue about. I own outright a home in XXXX XXXX Indiana on XXXX XXXX XXXX. I sold this home and made an accepted cash offer on another home af XXXX XXXX. Upon a title search by XXXX XXXX during their second search the judgement for Ditech showed up. XXXX XXXX Attorney XXXX XXXX, myself, XXXX at XXXX XXXX and XXXX XXXX at XXXX XXXX have all been engaged in numerous three way calls to Ditech and even their attorneys and Ditech has incompetently turned this into a fiasco that has yet resolved. We all were seeking a payoff amount or letter stating the amount of a release of the judgement sent to XXXX XXXX so we can close. Ditechs incompetence in this matter has resulted in delay of closings on two properties, contractors not being able to start, utility transfers of service being scheduled and rescheduled, movers canceled, realtors not receiving their commissions, and the list could go on. Ditech said the loan is closed, and referred us to various internal department heads, various external companies and turned this into a fiasco due to their lack of knowledge of a judgement. At one time Ditech referred Attorney XXXX XXXX and myself to XXXX, one of their Department heads who didnt even know what a foreclosure was! XXXX XXXX The Attorney for XXXX XXXX XXXX hopes to get a call from someone who can assist in this mess! The number to XXXX XXXX is ( XXXX ) XXXX. Help us please it has been a mess!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are the addresses and names on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXXXXXX has relisted 15 fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX   XXXX,
Product: Mortgage

I applied for XXXX request for mortgage assistance since XX/XX/XXXX. Ive call weekly asking for updates documents stating The Underwriters requesting this. I send the documents. XXXX submitted XX/XX/XXXX XX/XX/XXXX and current XX/XX/XXXX. 

The current XXXX XX/XX/XXXX. 

SPS asked me to submit a new application in XXXX because it was cut off. I am not sure how the application is not legible when it is uploaded in their secure system to submit documents. As I continued to submit document during the XXXX the have been moving ahead with a FORECLOSURE SALE. Dual tracking violation!! I did not feel comfortable submitting a new application as this would start a new day on the application. So I keep my application from XX/XX/XXXX. SPS hires attorney XXXX NC sent inspectors to my home for violations, hired a realtor XX/XX/XXXX took pictures of my property, and valuation reports. Yet they assured me the XXXX loan modification was being processed while they have been XXXX. DUAL TRACKING VIOLATION. 

On XX/XX/XXXX, Attorney FC Foreclosure fee {$400.00} was added to my detail summary and a Forbearance was approve XX/XX/XXXX and a FORECLOSE sale date. I am confused .I have asked repeated questions that have been purposely unanswered. XX/XX/XXXX I received a FORECLOSURE SALE date. 

An SPS Consumer Affairs Representative XXXX called approx. XXXX XXXX, Wednesday, XX/XX/XXXX, and tried to coerce me to remove my Mortgage Loan Modification application, aka XXXX. XXXX stated that I needed to cancel my modification application for the forbearance to be active. She then stated I could choose a forbearance. The only thing she would require is for me to cancel my modification application dated XX/XX/XXXX. During the conversation XXXX acted like she did not know anything about the FORECLOSURE. This is a Dual tracking law violation! XXXX WANTED ME TO REMOVE THE MODIFICATION? 

I am documenting the companies behavior as this may help other consumers prevent fraudulent foreclosures during XXXX application. 

My spouse did not respond. After filing the proper paperwork to protect my home SPS has listed my home on XXXX and XXXX websites. I am requesting this information to be removed immediately. 

AS AN ESSENTIAL XXXX WORKER DURING COVID 19 THIS IS UNFAIR TO HARASS A CONSUMER AND NOT PROVIDE CLEAR PROPER COMMUNICATION.