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

Subject : Dispute Regarding Fraudulent Accounts Resulting from Equifax Data Breach Dear Equifax Dispute Resolution Team, I am writing to dispute fraudulent accounts appearing on my credit report, which I believe are a direct result of the 2017 Equifax data breach. As you are aware, this breach compromised the personal information of approximately XXXX XXXX individuals, including sensitive data such as Social Security numbers, dates of birth, and addresses. Unfortunately, my information was among those compromised. 

Specifically, I have noticed accounts on my Equifax credit report that are not mine. 

These include : 1. Creditor Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account Numbers : [ Provide partial account numbers, if available ] Issue : These accounts were fraudulently opened using my stolen information. 
The presence of these accounts is deeply troubling, as I did not authorize them, nor do I have any association with them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Per Section 611 ( 15 U.S.C. 1681i ), Equifax must conduct a reasonable investigation to verify the accuracy of the disputed information and remove any inaccuracies. 

I request that Equifax : Investigate these fraudulent accounts and verify them with the creditors. 

Permanently delete all accounts not authorized by me from my credit report. 

Provide a written response detailing the outcome of your investigation. 

The data breach has caused undue hardship and exposed me to identity theft and fraud. I urge you to prioritize this matter and ensure these inaccuracies are corrected promptly. If this issue is not resolved within the 30-day investigation period outlined by the FCRA, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) or other relevant authorities. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies
Product: Credit reporting

XXXX addresses are not mine : Address : XXXX XXXX XXXX, NY XXXXXXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXXXXXXThe above address was where my ex-wife ran away with the man she had an affair with after our divorce. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is my employment business address, not a single family home
Product: Checking or savings account

Wells fargo : Mobile deposit of {$1000.00} was submitted into the account XX/XX/XXXX ( ( was not by me ) ) Claim for {$1000.00} submitted XX/XX/XXXX XXXX  withdrawal {$400.00} ( ( was not done by me ) ) Claim for {$400.00} submitted XX/XX/XXXX Wellsfargo denied claim of {$1000.00} dollars Closing out account for risk factor. None of this was done by me ( ( account closing XX/XX/XXXX ) )
Product: Debt collection

I have been XXXX for years and then when I decided to switch to a different provider. They required me to pay off my phone and my entire bill before switched. This did happen, however years later they send a collection agency after me for alleged debt. The agency they sent me to was Sunrise Credit Services. This agency has practiced harassment ( calling non stop even during work hours, which I told them ), provided threats when I stated I need proof and verification of debt, doesn't respond to numerous letters sent. I reached out to XXXX directly who stated based on the lack of notes and when reviewing the account. It doesn't look like this balance is accurate. However, I was still getting calls during working hours since then.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. Thinking it might be a glitch, I refreshed my browser, but the errors remained. Since the inaccurate accounts did not disappear, I kindly request a thorough review of the documents I have provided so that I no longer have to worry about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  9 entries on my credit report for the same student loan with the U.S. DEPT OF ED - DI RECT. These loans were transferred to :  XXXX  several years ago. As of today  XXXX   XXXX   XXXX , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferred t o one company  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those 9 entries that are da ted as far back as far as  XXXX   XXXX   XXXX  on my report.       old compan y Creditor Contact Details U.S. DEPT OF ED  - DIRECT   XXXX   XXXX    XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Detail s US DEPT OF EDUCATION/GLE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inquiries on my credit report that I don't recognize or authorize
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I was denied credit card increase and credit card not issused
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX from Experian stating that their investigation was complete, and my credit report remains unchanged because the XXXX  and XXXX XXXX XXXX continues to falsely report to them that my account is charged-off and delinquent in the amount of {$10.00}, XXXX. This account was settled on XX/XX/XXXX. I have provided court documentation to that effect. All three credit bureaus have ignored the documentation I have submitted and will not take action against the credit union for continuing to provide false information.
Product: Money transfer, virtual currency, or money service

I sent money to a friend, XXXX XXXX, though Western Union on XX/XX/2020 in the amount of $ XXXXUSD. Mr. XXXX was supposed to receive the money in his bank account, located within the XXXX, within 0-5 business days. To this day, XX/XX/2020, the money has not been received. I have sent money many times in the last 6 months to the same friend and bank account, using Western Union, and have never had any problems.

I have called Western Union multiple times, and have used their online chat service and I still have not gotten a resolution. Western Union has sent me an encrypted document, which I have attached, with a transaction ID number that they claim the bank issues once the bank receives the money. 

XXXX XXXX has been to his local bank, multiple times and spent countless hours trying to find out where the money went. His bank, XXXX told him that this transaction number that WU provided me comes from a 3rd party intermediary and not from XXXX XXXX. XXXX and Mr. XXXX have also spent hours on the phone, mulitple times, with WU and keep going in circles. XXXX XXXX  says they can not track the money unless WU provides the name of the 3rd party intermediary. WU refuses to give me the name of the intermediary. 

At this time, I have no resolution and I dont know where my money went.
Product: Checking or savings account

My wife and I bank with Navy federal. We deposited a bank draft check from the dealership ( XXXX ). XXXX and their corresponding bank, XXXX XXXX, have already confirmed that the funds were transferred immediately with no chance of bouncing. Navy federal told us the money would be available anywhere from 24-48 hours later. They put a 5 day hold on the bank draft check with no explanation. We have Called on multiple occasions, including talking to supervisors, and apparently no one can explain to us why there is an additional hold on the check and confirmed they had already received the funds. We have XXXX kids and need a vehicle for work and school. We also have bills to pay and groceries to get but no money is available for that.
Product: Mortgage

I am writing to file a formal complaint against Truist Bank regarding their handling of a flood insurance requirement on my property due to changes in the Federal Emergency Management Agencys ( FEMA ) Flood Insurance Rate Maps, effective XX/XX/year>, in XXXX XXXX, Florida. 

On XX/XX/year>, I received a letter from Truist Bank, dated XX/XX/XXXX, notifying me that my property now lies in a Special Flood Hazard Area and that I am required to purchase flood insurance. The letter stated that unless they received evidence of acceptable flood insurance within 45 days of the notice, they would purchase a policy for the property, and I would be required to pay for any period during which their insurance is in effect. 

I received this letter on XX/XX/year>, and immediately began searching for flood insurance. I successfully obtained a policy on XX/XX/year>, with coverage starting on XX/XX/year>. However, I then received XXXX letters from Truist Bank dated XX/XX/year>. The first letter stated that there was a lapse in coverage from XX/XX/year>, to XX/XX/year>, and an insurance charge of {$100.00} would be assessed to my escrow account. The second letter, marked " Second and Final Notice, '' indicated that Truist Bank was unable to verify coverage for the period from XX/XX/year>, to XX/XX/year>, and intended to purchase insurance for my property. 

This sequence of events raises several concerns : Insufficient Time and Lack of Proper Notification : Truist Bank did not advise me about the XXXX waiting period required by the National Flood Insurance Program ( NFIP ) for new flood insurance policies to become effective. The banks communication only mentioned a XXXX deadline from the date of their notice. Given that I received the letter on XX/XX/year>, and the NFIP requires a XXXX period before a flood insurance policy becomes active, Truist Banks timeline did not provide adequate time for me to comply with the new requirements. 

Unclear and Conflicting Information Leading to Unjust Charges : Despite securing flood insurance starting on XX/XX/year>, I was notified of a lapse in coverage for the period from XX/XX/year>, to XX/XX/year>, and charged {$100.00} to my escrow account. Truist Bank failed to clearly communicate the implications of the XXXX NFIP waiting period and has imposed charges based on an unrealistic timeline that does not align with federal regulations. 

I believe Truist Bank did not act in good faith by failing to provide accurate and complete information regarding the NFIP 's requirements and by imposing unwarranted charges due to circumstances beyond my control. 

I respectfully request your intervention to investigate this matter and ensure that Truist Bank follows fair practices and complies with federal regulations regarding flood insurance requirements. I would appreciate any action or guidance your office can take to resolve this issue and prevent further unjust charges to my account. 

Thank you for your attention to this matter. I look forward to your response.
Product: Checking or savings account

Each month I make a mobile deposit to my checking account at SunTrust. I have had this account since XX/XX/XXXX and it is in good standing. SunTrust also holds my mortgage account ( since XX/XX/XXXX ) and my auto loan ( since XX/XX/XXXX ). My auto loan is paid automatically on the XXXX of each month from my SunTrust checking account. Since XX/XX/XXXX, I have transferred money by mobile deposit prior to the due date and it has been available with no issues. Earlier this year, postal issues caused me to not receive my mortgage statement and bill by mail. To avoid any chance of missing a payment or having one be late, I began to add the mortgage payment to my monthly mobile deposit so that I could pay my mortgage online as well. For the last several months I have written a check to myself from my primary checking account at a credit union and deposited it at SunTrust using mobile deposit. Not once has there been any issue with collectability or funds availability. My account at SunTrust does not keep a high balance but it is never overdrawn. On Friday, XX/XX/XXXX I performed my normal mobile deposit of {$2100.00} to cover both loan payments. I received an email that my funds were being held and would be available on XX/XX/XXXX. I reached out to customer service online to inquire as to why and did not receive any explanation, only that there was nothing they could do. I was frustrated but I let it go since the funds would be available before the auto loan due date of XX/XX/XXXX and my mortgage due date of XX/XX/XXXX. I checked on Saturday to see the status and saw that all funds were being held and would not be available until XX/XX/XXXX. I did not receive an email of this change. I called SunTrust customer service today, XX/XX/XXXX to ask why there is a hold and try to get it lifted so my payments would occur as scheduled. I spoke to three different people, including a supervisor and explained that I do this each month and there has never been a problem. My account is established, I am writing a check to myself and there has never been a check that has not been paid. I offered to show them proof of my balance or to wait until the check clears XXXX likely today or tomorrow ) and provide them proof that it cleared my credit union account. They refuse to release my money prior to my loan due dates. I told them this money is strictly for loan payments and asked them to work with me since I have been a customer in good standing for 20+ years ; they refused. I asked what will happen if my auto payment can't be processed as scheduled, they had no answer. They refuse to work with me and I am forced to find an additional {$900.00} so my payment will not bounce and cause fees and interest rate penalties. I will have to get {$900.00} in cash and deposit it to SunTrust prior to XX/XX/XXXX so that funds will be available without possibility of any hold. And they still will not release my deposit, nor tell me why it is being held.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue by asking the bureaus to make the proper corrections by deleting this erroneous account over the past two years and they have refused to do so. I have provided documentation such as police reports, my ID, my license, and verification that these accounts do not belong to me. My first dispute for this item was back in XXXX, I sent out another dispute letter in XXXX as I saw that it repopulated back onto my credit file. And it wasn't until recently when I received a newer version of my credit report for the year of XXXX did it reoccur. Not only is this account erroneously reporting on my report, but it is reporting three times on my credit file which is a violation of the FCRA. It seems that LexisNexis not only removes these items from my credit report but they also repopulate it back onto my credit file. I am attempting to resolve this issue prior to taking the next steps necessary to assure that this doesn't repeat again.
Product: Debt collection

To Whom It May Concern, please note this is my XXXX complaint in 2 months against Midland Credit for the same issue. My first complaint was disregarded as was my request to cease collection activities and further communications regarding debts alleged to be owed by me. Midland did not conduct an investigation of my complaint, but quickly responded and closed my complaint just to check off the box. Then to retaliate for filing a complaint in the first place, they had their law firm send me a robo-signed affidavit threatening a lawsuit on XXXX of the XXXX accounts they claim to be mine. They took some extra time to respond to my XXXX complaint, and acknowledged me and closed XXXX of the XXXX accounts ( the one that they had threatened suit after the first complaint ). Clearly, they recognized the wrongdoing of their actions. They also " recalled '' from their law firms, the other XXXX accounts that they claim are judgments against me and refused to close them. They claimed it was " out of their control '' and a " matter of public record '' and that they ( Midland ) would now collect on those accounts directly. I would like it known that I was never served with legal papers or given the chance to defend my position in court by Midland or Asset Acceptance. These are junk default judgments that Asset/Midland used to illegally confuse, intimidate and coheres me into paying. This seems to be standard operating procedure for this company. They even went as far as to suggest I call the police to report fraud, however I do not trust this debt collector and I refuse to subject myself to further mental anguish at their dirty hand. They took my meager homestead tax refund this year and as a result I was unable to pay my property taxes, which puts me at risk of losing my home and independence. My son and I have done our research on this company and see many lawsuits and sanctions against Midland for this type of unconscionable debt collection practices. I am confident that this is not out of their control, and demand that they close and vacate the XXXX judgments alleged to be against me, and cease all further collection attempts against me. I will continue to file complaints and dispute Midlands responses until all debts alleged against me are closed and removed/deleted/vacated from any association with my name/ss #. I pray that this gets resolved immediately, however if this continues to go unresolved, I ( with my son 's help ), intend to initiate a lawsuit against Midland, and take any other actions necessary to resolve this, including involving the XXXX Federal Trade Commission and the news media. Again, I am XXXX years old and in poor health with no income beyond my small monthly social security check. I have no recollection of these debts and do not have any money to pay them. I 'm a frail old woman and no match for this conglomerate. I would like very much like to put an end to this once and for all and pray that Midland does the right thing so I do n't have to burden my family to assist with legal expenses for a lawyer. Thank you again for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that when files are supplied together with an FTC fraud report, the Credut reporting agencies do not block them. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my paperwork to my attorney to begin a legal case if the Credit Bureaus decide not to block the items listed below that are reported incorrectly as a result of identity theft. Please obey the law as it is not my goal to file any legal claims. The following articles should be taken away since they were opened without my knowledge or consent and are fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I find it perplexing to receive reports of late payment remarks on my accounts. Additionally, according to 15 USC 1666b - Billing Error, corrections should be made for any billing errors.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted