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

I am writing to formally request the removal of fraudulent information from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). This request stems from my unfortunate experience as a victim of identity theft, which has resulted in inaccurate and damaging information being reported on my credit profile. Below is a summary of the actions I have taken to address this matter and the persistent issues I continue to face : 1. Discovery of Fraudulent Accounts : After my divorce, which was finalized over a year ago, I discovered that several fraudulent accounts had been opened in my name and were being reported on my credit profile. I confirmed with my ex-husband that he did not open these accounts using my information.

2. Initial Steps Taken : o In JXXXX XXXX I immediately placed a freeze on my credit account and added a statement to my file indicating that I am a victim of identity theft.

o I filed a report with the Consumer Financial Protection Bureau ( CFPB ) documenting the fraudulent accounts and also filed a police report to support my claim.

3. Notifications to Creditors and Credit Bureaus : o In XXXX XXXX I sent formal letters to XXXX  XXXX and XXXX Fundings, notifying them that I am a victim of identity theft. XXXX XXXX removed the fraudulent accounts from my credit profile. However, XXXX XXXX failed to do so. 
o On XXXX XXXX XXXX I mailed letters to all three major credit bureaus ( XXXX, Experian, and XXXX ), informing them of my identity theft situation. I included copies of my CFPB report, police report, and the letters sent to the collection agencies. In these communications, I formally requested the removal of the fraudulent accounts from my credit profile under FCRA regulations. 

XXXX. Ongoing Issues : o Despite my efforts, I recently received a notification that another fraudulent collection account was added to my credit report. I disputed this information online with XXXX, providing copies of my police report, CFPB report, and a letter stating that I am a victim of identity theft. 
o To my surprise, I received notification from the credit bureau that the debt from a company call XXXX XXXX was verified as valid. I have never had any dealings with LVN Fundings or The Bureaus, yet these accounts remain inaccurately reported on my credit profile.
Product: Credit card or prepaid card

I had lost my card on XX/XX/18 temporarily for a few hours at an airport and found it later on and found two charges that were not mine in total of {$700.00}. Clearly somebody had obtained my card information and made two charges and they denied the dispute and I appealed it and they had the nerve to lie to my face on recorded phone and say they had contacted me which they never did and I have the phone bill records to prove that. XXXX XXXX is already a shady company that handles the calls in the XXXX which is hard to understand any of the people talking to you in English. I had got in contact with them on XXXX-18 when they had the nerve to try and tell me they had tried to call my phone which is an absolute lie and said to wait another 45 to 60 days from the dispute date which it's already been that for another answer which is not going to get anywhere they have every reason to credit back my card and are not.
Product: Credit reporting or other personal consumer reports

Unable to remove freeze or dispute false information no steps taken to validate information furnished also no positive payment history when much positive history suppressed not fair and equitable and no payments late are to be on report under 15 USC 1666B. 15 USC 1691A. HJR 192.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of  release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX, XXXX, CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Checking or savings account

I know this is probably small to you but I am a victim of fraud by counterfeit check because TD Bank did not do their job when a fake check with the WRONG routing number which should have been FLAGGED right, away instead, {$1900.00} was stolen/CASHED out of my TD Bank account & I followed all TD Bank protocol to resolve this. There is obvious proof that it is a counterfeit check, wrong routing number, wrong check stock, wrong address, and more, but TD Bank won't give me back my money until they do their investigation. I have auto bill pay for credit cards, etc. bouncing back making me liable for returned items. And all the bank can say to me is " how do they know I didn't have the money go to another bank account '' I feel discriminated against by that statement. Ive been with TD over 10 yrs & never bounced a check or overdrawn. What is the FDIC for? Why do I have to wait to get my money back meanwhile the perpetrator is out there and already spent my money. I am looking into a lawyer about this because little people like me shouldn't have to be broke because a counterfeit check they know that didn't have their routing number should not have passed into being a processed check and taken out of my checking account. I also reported them to the XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone- XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. 
Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Checking or savings account

My XXXX XXXX XXXX XXXX Account XXXX XXXX was bought out by New York Community Bank ( NYCB ) My XXXX  Passbook Savings Account does not exist in their records, not nice or right, and why? 
Monthly or even quarterly statement are never mailed to my home. I have resided at the same location for many years.
Product: Mortgage

On XXXX/XXXX/XXXX, I contacted XXXX XXXX to refinance my current home owner 's mortgage and obtain cash back. I took advantage of their Nationwide advertisement since both my husband and I are XXXX veterans. I spoke to XXXX XXXX, Account Executive, XXXX XXXX, XXXX. He again initiated a new application, although, I already had a previous application with one of the loan specialist name, XXXX. During our phonecon, XXXX XXXX ask me questions about my loans, whether we were veterans of the Armed Forces, employment, financial, income, interest, etc. I provided him information to include the mortgage which was paid off to Wells Fargo in the amount of XXXX in XXXX XXXX, XXXX, on our XXXX, Hi former residence. After the mortgage was paid off with Wells Fargo, I contacted the Wells Fargo Home mortgage department and informed one of the representative to ensure that my credit report was updated. XXXX XXXX told me to hold on so he can check my credit report, then he returned and informed me that my loan was denied. I inquired as to why the loan was denied, and he told me that it shows that I was 120 days late and in foreclosure with Wells Fargo. I informed him that I was not in foreclosure, and told him that the mortgage loan was already paid in full. Wells Fargo failed to update our credit report upon my request in order to remove the 120 days and foreclosure in the credit report which is currently affecting our credit scores and preventing us from obtaining a loan in order to refinance our joint current mortgage which we have been paying in " Good Faith. ''
Product: Credit reporting or other personal consumer reports

I did not give Discover Bank written consent to furnish my account information to any third party companies or to obtain my information
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I had a bank account with TCF Bank, On Wednesday XX/XX/2019 for someone. The check was XXXX dollars, XXXX was confirmed so that got taken out of my account the same day. Prior to that day I was able to use my bank card, once the other XXXX got deposited on my card my account was being shown as negative but I had XXXX on my card before XXXX got deposited. Somehow somebody got into my mobile account and tried to do 2 mobile deposits on my account. Then when I went to the bank to see what was going on they said I had to fill out something for fraud, I never got to fill anything out. The second time I went to the bank the teller told me nothing got requested nor filled out. So she did it for me. Now I can't open a bank account until I get cleared.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Prepaid card

I recently bought this card the other day reading that it could be used anywhere online and in store and thought I would be able to buy something using this card. To my dissapointment, I tried countless different websites to buy this item I wanted but this card fails again and again. It doesnt even come up as a declined charge it just fails in even contacting the card issuer at all. I was only able to charge a XXXX dollar charge on this XXXX dollar XXXX XXXX dollar tax card from their XXXX  WHICH IS XXXX. ( I did this to test if it would work )
Product: Checking or savings account

I attempted to use my card on XX/XX/24 in the morning as I normally do for breakfast for work and the transaction declined. The previous day my account was fine and I know that I have funds available. I tried to log into my application to view my account and it got a message stating that my account is blocked call customer service XXXX for assistance Mon-Fri XXXX. I checked my emails and text messages I did not get any messages or alerts from the bank why my account would be blocked. So when they finally opened I called customer service and was told an XXXX would call me they needed to confirm I have the correct phone number. None of this made sense. I am still waiting on a call. Another representative said that I need to come to a branch. At this time my work hours conflict with there business hours of operation. So I am left with no resolution at the time.
Product: Money transfer, virtual currency, or money service

I an filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have an Account with Truist Bank ( under XXXX XXXX XXXX, XXXX ), for several years. 
Last month they started charging {$5.00} fee. Called Truist Bank today and was told the fee is for access to " check images '' ; it is a new fee they say ; I never asked for this service ; they were providing it for free previously and I have to " decline it, not to be charged ''. 

Question : why is the Default, to charge me a Fee, for a service, I never requested and I have to " Decline it '' ; I feel this is a racket, to raise their Bank Revenues at the expense of customers, who don't pay attention, to their statements.
Product: Credit card or prepaid card

Lowes/Synchrony bank card declined at Lowes. Learned that Fraud Dept closed account but would not explain why, or what transaction triggerred this closure. They locked me out of my Online Log In so I can not assess what is valid or not. On over 10 calls they have refused to talk to me or email me a list of transactions. One agent promised that I would received an email no later than 48 hours with a list of transactions. Instead, I get a message saying I need to log in to access an important message ( I have several such messages, despite the Bank locking me out of Online Log in ). How stupid is that!!! This could be error or Fraud, possibly insiders at the Bank or a rogue Lowes employee. I can not get their silly iphone verification process to work after several attempts. 

The account was closed by bank, which is fine with me, as I never want to waste another minute with this bank. However, my account is set for autopay and I dont want to payment to occur without having opportunity to review the charges they have attributed to my account. Again, this has been handled so badly, compared to any other bank I have dealt with over 50 years, that I suspect bank fraud. I need the data!! No other bank would ever deny a customer access to card card charges so cardholder can assess validity. I believe there are fines for Banks denying customers access to this data. I want the CFPB to levy maximum fines for egregious, illegal conduct by Bank. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX 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 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: Debt collection

XXXX XXXX XXXX is on my credit report as a collection account for the debt of {$1700.00} they sent a court ordered notice through my county. I had to get representation to validate the debt. The debt was settled which payments are being made on time. The debt is still reporting as a collection which nothing is paid. I am trying to repair my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : 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 XXXXC XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. find the required documents to assist in the blocking and delete of the erroneous information which is being posted to 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 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