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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I am a divorced man who has a mortgage with Wells Fargo. I am the only mortgagee, with insurance through XXXX XXXX. 
Last XXXX my ex-wife opened a XXXX property insurance policy through XXXX without my approval nor permission. I am not on the XXXX policy, and ex-wife is not on mortgage. XXXX apparently presented Wells Fargo with a request for payment, and Wells Fargo paid them {$910.00} from my escrow account. I found out a month or XXXX later when checking on mortgage account. 
When I confronted Wells Fargo, they refused to accept responsibility and blamed XXXX. I reminded Wells Fargo they had a fiduciary responsibility to safeguard my escrow funds from intentional or accidental access from those without legal reasons. Wells Fargo acknowledged on phone they paid XXXX based on electronic request, but wont provide me proof of this. Wells Fargo refused to refund the money they gave XXXX. XXXX eventually cancelled policy BUT did n't return funds to escrow. And now they wont return my emails nor phone calls. 
Now I am out {$910.00}, and Wells Fargo will not replace the money they had an obligation to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
Product: Mortgage

Property was foreclosed and sold in XXXX XXXX by Bank of America ( BOA ). It was filed in XXXX XXXX, OK on XXXX XXXX, XXXX. Forms XXXX were issued for the transaction. It was n't until XXXX, XXXX ( with a letter written by my attorney ) that the account was written-off and closed. I then applied to refinance my current FHA mortgage in which Bank of America was also the service provider. As part of closing, the new lender requested a pay-off schedule from BOA. In RETALIATION, BOA reopened the closed, foreclosure account XX/XX/XXXX. I am getting HARRASSING phone calls from BOA saying that I am still in foreclosure, almost 4 years later!. Now, the mortgage broker says that I ca n't get refinanced because the foreclosure is being reported as current. I am 100 % positive that BOA is illegally reporting false information so they can keep my current mortgage.
Product: Checking or savings account

Chase closed my checking account and still holding my Funds from the month of XXXX. I reach several time in chase Branch & talk on the phone with customer support Dont found any helpful Decisions. 
I Got the checks from my friend & Family members I Deposited in my account and they raise the reason they need additional verification from the person you got check issued I took my family members to the Chase Branch first they took there identification or proof of evidence of the individuals or corporations and submit online then they said give 2-3 Buildings Days to get Verified by customer support after 2-3 Days they said ok you get your cashier checks in the mail after tht they send me two cashier checks but then again I reach customer support why I dont received my all funds then they said they need additional verification then I make the appointment with my family friend and took him to the Branch with additional Verification Documents they requested. When I visit branch the same person I met hes very helpful but the Department with whom hes in talk not giving any solution how I am able to get verified in the response they said Bank update the verification Process now Bank only able to Verified the Person only on Phone they just played & Im really frustrated & feeling paralyzed with the chase & at some point feeling to commit suicide with all the problem created by JPMorgan Chase to my life
Product: Debt collection

Dear Jefferson Capital LLC This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 


This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request 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 reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which 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 my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX DEBT Amount {$1700.00} debt amount {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I attempted to close a line of credit with US Bank. The line had a XXXX balance and I received notice of annual fee XX/XX/XXXX. I tried to close the line of credit but was told that could not happen after the annual fee had been billed even though per the billing statement the fee was not yet due. The line of credit was initially a cash flow manager for my law practice but I closed my practice XX/XX/2006 so for all intents and purposes this was a consumer line. I contacted the XXXX number on my statement but was told that this must be resolved at the branch. When I called the branch I was told that the branch manger was on vacation ( not to return until after the due date ) but branch staff offered to contact the district manager. The District Manager, XXXX XXXX, refused to waive the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my frustration and seek your assistance in removing unauthorized hard inquiries from my XXXX, transunion and XXXX credit reports. Despite repeatedly explaining to the credit bureaus that these inquiries were not authorized by me, no action has been taken to resolve this matter. These unauthorized inquiries are negatively impacting my credit score, and I urgently request your intervention to have them removed immediately. 

Below is a list of the unauthorized hard inquiries on my credit 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 XXXXXX/XX/XXXX I did not authorize any of these inquiries and have never given my consent for these companies to access my credit information. I have contacted the credit bureaus and the companies in question to no avail. The unauthorized nature of these inquiries constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Your assistance in resolving this issue is greatly appreciated.
Product: Money transfer, virtual currency, or money service

In late XX/XX/2023 I set up a transfer from my American Express XXXX account to my XXXX XXXX account using the XXXX phone app. On XX/XX/XXXX, XXXX deposits were made into my XXXX XXXX account, XXXX for XXXX cents and XXXX for XXXX cents. That shows that American Express did in fact have the correct XXXX XXXX account. I then went back into the XXXX XXXX and verified those amounts and then transfered {$810.00} from the American Express XXXX account to my XXXX XXXX account. The money was taken from the American Express account immediately. XXXX days later American Express says that the transfer occured ( XX/XX/XXXX ) and that it would take XXXX business days for the money to show up in my XXXX XXXX account XXXX As of today it has been nearly XXXX weeks and the money has not been deposited into my bank account. 

I have repeatedly called the American Express XXXX number and have talked to several people there. I have been repeatedly told by them that the transaction is complete, the money is no longer in my account and to call XXXX XXXX. 

I have spoken with XXXX XXXX several times as well. They continually tell me that because they can't see anything comming through the XXXX system that they can't do anything and to call American Express XXXX I was able to get XXXX XXXX to open an inquiry into this but I just got a letter from them ( XX/XX/XXXX ) saying that they can't do anything and to call American Express. 

You can see that I have become extremly frustrated with each side saying to contact the other. 

I have copies of the letters from XXXX XXXX, a copy of the XX/XX/2023 American Express XXXX statement showing the withdrawl of {$810.00} and a copy of my XX/XX/2023 statement showing the XXXX test deposits of XXXX and XXXX cents. I won't attach these due to them having personal information on them but if you do require them please ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the  creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Claims had told me they finished their investigation and has denied my claim. I called wellsfargo claim telling them the card was sent to the wrong address. I told them my actual address is about 8 hours away from where the card was sent to so Im confused as to how I was able to even use my card in a city thats physically impossible for me to get to AND back to my own city again. And considering I ONLY ever use my digital wallet to withdrawal money from atms, Im confused as to how I would have had my physical card on hand for a withdrawal as they state. I called into claims escalations and they were being very vague telling me to call claims again KNOWING that the claim has been denied and the reason I wanted to escalate was because of the denial. They had told me they can not reopen the case. So at this point I feel like Im being ran in circles while someone stole my money.
Product: Debt collection

I have tried several times to resolve this account with this collection agency XXXX XXXX. I was never notified if the debt, it was found on my daughters credit and when we called to verify it, they are trying to collect from myself and daughter on the same account. She was covered under Medicaid in the state of Oklahoma on date of services and also 18 years of age so this should not be a debt in my name to begin with I have sent the documents providing proof that was covered to the collection agency. On Friday XX/XX/2018 I called to see if had been updated and removed, I was told they could not talk to me about it because it is in dispute. I said are you telling me you cant discuss my own account with me and Im the one disputing this, she replied yes. Myself and daughter have tried numerous times to clear this up and have removed from the credit report to no avail. On XX/XX/XXXX I received a letter still requesting payment from the collection agency. I need help getting this resolved. It can not possibly be legal to try to collect the same debt from 2 different consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit regularly and I saw there was a collection on only TransUnion and not the other two companies. The collection agency is XXXX XXXX XXXX  for the accounXXXX XXXX XXXX opened XX/XX/2023, in the amount of {$920.00} I reached out to XXXX  and they could not find any of my personal information, I asked if there was a way they could give me something in writing and they said no because they could not find me in their system, they would not be able to send me anything in writing? Ok, so in the mean time I filed a dispute with TransUnion and was told to follow up with them on XX/XX/XXXX, I followed up today, XX/XX/XXXX and was told I am responsible for the charge of an account I don't even know what it is. They they told me I could file another dispute but I am afraid I will get the same results, that is why I am desperately trying other methods to have this fraudulent account removed from my credit report. If you please take the time to review my credit history, you will see it is spotless and continues to be so even after this so called bad account I took out, which I have absolutely no clue as to what it is. I have not received any form of communication from anyone other than me seeing there was a collection place on my account through TansUnion, no collection agency or no creditor has reached out to me to let me know of any of this. Please advise me on what to do. Thank you in advance for any and all of your help.
Product: Credit reporting or other personal consumer reports

The personal information being reported on my credit report is not 100 % accurate. I only have XXXX name and spelling and XXXX address. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses are inaccurate or no longer valid and must be permanently deleted from the credit report. Otherwise I can not be properly identified by banks and other institutions. I have already tried to resolve this issue and it seems that I was not heard. I have attached a copy of my identification for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX yr old victim of identity theft. I have on file an ftc complaint and notarized id theft affidavit.Fraudulent accounts have been deleted from my credit file but the inquiries still remain. I have not applied for any credit in 10 yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 information or accounts which were found to be opened due to identity theft. The disputed accounts 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 remove these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are 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 immediately.
Product: Student loan

I have been wronged by student loan servicer XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to remove the credit freeze I placed on my credit report to at XXXX XXXX XXXX XXXX XXXX on Tuesday, XX/XX/2024 and the agent immediately declined my request to remove the credit freeze after I provided my account information.
Product: Debt collection

My daughter passed XX/XX/XXXX in XXXX XXXX. She was XXXX XXXX XXXX. My daughter had credit card debt. I mailed letter deceased notification with a death certificate to each owed. Received letter dated XX/XX/XXXX from XXXX XXXX ref XXXX original creditor Synochrony Bank acct balance {$2200.00}, acct endin in XXXX, they transferred debit into my name. My daughter left no will, she had no assets, not even her car was paid for, owned no real estate. They call me every day leaving messages about my debt and going to sue me. I am not responsible for my daughters debt and they transferred it into my name. I did not authorized nor did I accept or agree to pay the debit.