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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this XXXX. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Mortgage

In XXXX of 2020, I went on COVID 19 forebearance plan for several months The plan ended, I did not re extend it. I paid them all the money. I am now trying to refinance, and on my mortgage history verification they wrote that I was PAST DUE 30 days on my mortgage 5 times in 2020. I was NEVER past due. I was on COVID 19 PLAN. This is very, very detrimental to my refinancing. 

When I called them, the girl did not even know what she was talking about. She said it was from my previous bankruptcy. No this is not correct, it clearly says on the VERIFICATION OF MORTGAGE that I was past due 5 times in 2020. This is NOT the way COVID 19 plan was to be. I was not supposed to be reported as a late payment at all under COVID forebearance. This is ridiculous.
Product: Credit reporting or other personal consumer reports

This is my numerous request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The Chase business credit card appear in my personal XXXX XXXX. I can not take any loan or refinance the existing one because of this. Business credit cards should not be included in personal credit account. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize the companies to run my credit. This is the second request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Please remove this item which is not authorized by me, as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello please help. 

I have 3 concerns. 

Dispute ; 1 XXXX is reporting my closing date with XXXX XXXX XXXX   card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified XXXX with a letter of proof from XXXX XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also Equifax & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XX/XX/XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant
Product: Credit reporting or other personal consumer reports

Experian removed the fraudulent account and failed to return the XXXX points they took off my credit report for the fraudulent account. Besides that they are still displaying inaccurate information about me I have no aka name. They are also displaying addresses I have nothing to do with. Its really getting tiring, They just keep repeating the same thing and avoiding discussion monetary compensation for the violation they have consistently committed to
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX Child Support XXXX XXXX  XXXX XXXX. XXXX
Product: Debt collection

Accounts : XXXX XXXX XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted Transunion about reporting these items on my credit report and they were vague and dismissive.
Product: Credit card or prepaid card

On XX/XX/2022 XXXX XXXX XXXX attempted to pay by phone on my " Avant '' XXXX by placing a call prior to the deadline time due. The duration of this call spanned over XXXX minutes and by the time an agent was able to assist me along the way since there was no automated option provided, that " deadline '' then passed. The agent then refused to credit my payment for the correct date, instead citing she can only credit it for the following day which would be XX/XX/XXXX thus placing me into a late status in which she further stated She had no means to waive any ensuing late fee or properly note the account that i had indeed called prior to the deadline in order to ensure any such fee would be taken care of. This was extremely inappropriate as it was not my fault I could not get assisted timely on their end. I then exchanged additional calls and emails since this time in effort to request this late fee be waived which was refused again and again. I do not feel I should be obligated to meet my end of the terms of this card if the provider is not meeting theirs. I informed them I would be in touch with any and all avenues to dispute and grieve this issue and they showed XXXX regard for me as a consumer. I should be immediately relieved of any associated fees, accruing interest, and negative credit remarks that XXXX have transpired in lieu of their negligence. For the record my minimum due payment was just {$25.00} which again I would have been happy to pay as always, however I am not about to pay double that amount when being charged a fee I do not deserve. Nor will I willfully make any further payment to this despicable company, until this matter is resolved. I feel your organization as well as XXXX as their parent provider, and also the XXXX XXXX XXXX  should all be made aware of how this company treats its consumers. Especially when this particular Credit card is designed to so called " assist '' consumers in building/rebuilding their credit portfolios, it is absurd to believe they despite knowing it was no fault of my own they could not process my payment on time, that they are so stubbornly and aggressively attempting to charge me late fees.
Product: Debt collection

I have not received any validation letter from the collection company. Via mail or electronically.
Product: Payday loan, title loan, or personal loan

I am writing this on behalf of my XXXX XXXX XXXX father. Someone took out a personal loan online through Wells Fargo in XXXX of 2021. 
We have been fighting with Wells Fargo ever since. 
We have proved 3 times that this is a fraudulent loan. 
There were charges made in AZ and we have proved that my father, XXXX XXXX XXXX was living and working in TX at the time. 
Three different times, Wells Fargo has stated to me, over the phone : clearly this is fraud, and then another dept has suddenly closed the case about it. I have submitted all of the paper work over and over. This is truly elder fraud abuse.

We are currently waiting for the money to be replaced and they keep saying that " It's hard to get the money replaced. '' After 14 months, I need help. I'm not sure what else to do. 
I have spent hours and hours on the phone with different departments, going to branches. 
Plz advise. My cell is XXXX. My name is XXXX XXXX XXXX I have the power of attorney so that I can act on my father 's behalf. Any help is much appreciated. Obviously, Wells Fargo is notorious for it's unethical biz practices for years and years.
Product: Credit card

In early XXXX I contacted my credit card company, Barclays, to dispute a charge with XXXX XXXX regarding a downpayment for a barn that was cancelled and XXXX wasn't refunding my deposit for. On XX/XX/XXXX Barclays sent a letter stating that it was past the timeframe to assist. I later contacted XXXX and they provided documentation that Barclays contacted them on XX/XX/XXXX and the charge was reversed through the third party billing company XXXX. I have faxed documentation to Barclays showing the transaction number for the charge reversal and they continue to refuse to credit my account. Every time I call, all they will say is that the claim was denied on XX/XX/XXXX. I have a fax confirmation that they have received the documentation on the charge reversal on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX to XXXX XXXX  I had made a atm deposit of about XXXX $ cash with XXXX eye witnesses with me I tapped my card put my pin in inserted the cash atm started counting for what felt like 5 minutes then the screen went white and error popped up and it said this machine can no longer take cash deposits I call the bank the following day and they said they will start an investigation about 10 days go by and I call them back and they claim they broke down the atm and found nothing I asked they look at the cameras because I was for sure there and they said its a 3rd party who manages the atms this is chase bank on XXXX and XXXX in XXXX Colorado I am very upset with XXXX as I just opened this account and it is my first bank account ever Id really like this to get resolved as I have bills to pay and XXXX is a pretty big setback when your on minimum wage!
Product: Credit reporting or other personal consumer reports

After further review of my accounts with my attorney, I am writing to formally request the deletion of these trade lines from all credit reporting agencies and to cease all collection efforts regarding these accounts due to fraudulent activity associated with their histories. Specifically, I demand that you stop all collection activity, including that of XXXX XXXX XXXX, who have yet to provide the documentation we requested. 

I have discovered that my accounts may have been subjected to unauthorized use, which I believe constitutes fraud. Therefore, I request that Citibank promptly investigate this matter, rectify my credit report, and stop all collection efforts immediately. 

Additionally, I wish to highlight violations of the Truth in Lending Act ( TILA ) as implemented in Regulation Z. Specifically, Citibank has failed to reevaluate and lower the annual percentage rates ( APRs ) for these accounts, contrary to the requirements outlined in section 1026.59 ( a ). Furthermore, I believe that Citibank has not maintained reasonable written policies and procedures for conducting these APR reevaluations, as mandated by section 1026.59 ( b ). 

These actions not only violate TILA but also infringe upon my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically sections 1053 and 1055. 
Given these concerns, I request that you promptly take the following actions : Remove these trade-lines from all credit reporting agencies. 
Cease all collection efforts associated with these accounts. 
Investigate the fraudulent activity linked to these accounts and provide me with a written response detailing your findings and actions taken. 

Additionally, I require a complete history of these accounts, including : How and where each account was opened ( online or in a branch ). 
The process used by Citibank to verify my identity when the accounts were opened. 
The phone number provided during the account opening process. 
Whether Citibank verified my driver 's license or a copy of my Social Security card. 
If the accounts were opened online, I consider this fraudulent activity. 
I expect every detail from the account opening to it's closing. 

Attached is a copy of the CFPB Bureau of Consumer Financial Protection consent order outlining the violations Citibank has faced in the past, which continue to persist. My attorney is fully prepared to file a complaint with the CFPB and pursue other remedies to resolve this situation. 

Please treat this matter with the urgency it deserves. I look forward to your prompt response. Should you require any further information to assist in your investigation, do not hesitate to reach out. 

Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents. Overstated the annual percentage rate in accounts sold to debt buyers. 

Thank you for your attention to this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SOUTHSTATE BANK account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Debt collection

I initially filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/XXXX, complaint # XXXX, but despite the fact that XXXX XXXX is listed on my consumer reports, they referred me to a company called Asset Recovery Solutions , LLC. 

My consumer rights are still being violated at this time because I have no knowledge of or contract with these companies! The Privacy Act of XXXX  is being pursued. This is a violation of my privacy because my personal identifying information is being transferred between companies without my consent. Such behavior is prohibited under 18 USC 894. These companies are using my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ).
Product: Credit reporting or other personal consumer reports

am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC, and they have violated my rights numerous times.

I demand the accounts below be removed because according to 15 USC 1681 : I have a right to privacy and i did not give Equifax written permission to furnish these accounts : account # XXXX account # XXXX account # XXXX account # XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I filed a dispute with my bank regarding unauthorized charges back in XX/XX/2024 and ask the bank to restrict the vendor from attempting, the bank allowed the Vendor ( XXXX ) and other vendors to continue to charge my account after I requested them to restrict them going forward the bank advised they would no longer be available. The vendors continue to charge my account and the bank restricted my access to my direct deposit funds. I am unable to speak to a manager regarding this and they are saying it will take 90 days to receive my direct deposit funds from my employer. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I have experienced numerous unauthorized hard inquiries from lenders on my credit report. I suspect these inquiries are linked to a series of data breaches that I was involved in, including breaches from XXXX and other businesses. Additionally, my credit monitoring services frequently notify me that my personal information, such as my accounts, may have been compromised and is appearing on the dark web. I believe this exposure has resulted in the unauthorized use of my information.
Product: Money transfer, virtual currency, or money service

California Tax Lien placed on CD XXXX for {$750.00} on XX/XX/XXXX and. Bank reports sent funds to California. 

I have since been independently protesting lien with California authorities and, so far, amounts owed reduced down to {$380.00} with additional action being taken to eliminate entirely. No funds returned as yet. 

Normal due process not followed by the bank. Any California lien, even if valid, would normally have to be domesticated in either Michigan or Delaware ( Discover Bank reported to be a Delaware Corporation ) necessitating proof of service of notice of a hearing and review by a neutral party. No such proper procedures followed.