23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo Home Mortgage failed to deduct my automatic mortgage payments from my bank account in XXXX 2016 as scheduled due to no fault of mine. This resulted in a late payment being reflected for XXXX in my credit reports. I have spoken to WF numerous times since XXXX XXXX, 2016 trying to ensure that they correct this information with the credit reporting agencies. WF sent me a letter dated XXXX XXXX, 2016 stating that they had updated this information with the credit agencies. I will upload this letter for your review. I continued to monitor my credit report information and did not see that corrections had been made. When I called WF on XXXX XXXX, 2016, I spoke with XXXX XXXX, Executive Resolution Specialist, and he said that the XXXX payment was shown as late and it was reported in XXXX. He said the negative reporting was done XXXX XXXX, and the negative reporting was also surpressed on XXXX XXXX. He sent me a letter dated XXXX XXXX, 2016 documenting that they had submitted corrections to the XXXX credit reporting agencies in order to remove the late payment reflected on my credit reports. I have never been late on my mortgage payments, and have spent hours on the phone with the WF and the credit reporting agencies. When I spoke to XXXX on XXXX XXXX, 2016, they informed me that the correction has not been received or posted yet and I submitted another online dispute with them ( letter attached ). XXXX has also not received or posted the updated information to correct my credit report, and I submitted a dispute with them also ( letter attached ). Per my call to XXXX on XXXX XXXX, they indicated that they have corrected my credit report, but I am also concerned that this may change since the credit reporting agencies share information. I am asking for your assistance to intercede on my behalf to resolve this issue. I would also appreciate receiving updated credit reports from the credit agencies, since I pulled my once a year free credit report in XXXX for all XXXX credit agencies. In XXXX my credit score was XXXX. In XXXX, it fell to XXXX. In XXXX it was XXXX. Gratefully, I am not trying to buy a house or a car at the moment, but I am very concerned about ensuring that my credit reports continue to reflect accurate information. This is vital not only to my financial profile, but also to me in my employment for the government because my job requires credit background checks for our security credentialing process. Please contact me if you have questions or require further information. I appreciate your assistance in resolving this matter.
Product: Checking or savings account

I have no Knowledge of this transaction XXXX my phone was stolen and its been over 10 days for the investigation which should of been 4 days under the FCRA im demanding my funds to be reimbursed {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on. 
XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I requested deletion of this fraudulent account reporting to my credit as a collection. I have supplied bounce AI with the appropriate information regarding their investigation and they have determined to delete this account. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXX of month. Payment was not at any time past due.
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 breach. 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 :. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 Names : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX ( Accounts 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.

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: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$440.00} XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$2400.00} XXXX  XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account balance : {$720.00}
Product: Credit card or prepaid card

On XX/XX/21 I mailed a billing error/ cease and desist notice to First Progress and their registered agent Synovus Bank ( with attention to XXXX XXXX the current CFO ). Inside this letter I stated that this is my written notice that I have discovered a billing error on my account pursuant to 12 cfr 1026.13. I also stated that I believed with this discovery that the First Progress is conducting misleading practices with deceptive forms pursuant to 15 usc 1692e. Knowing my rights as a consumer I requested all documentary evidence according to their journal and ledger entries described in IRS Pub. 583 and that if there is a surplus that the amount over be directed to me the consumer in the form of a check. To conclude I also informed first progress that I was aware that while disputing this error no adverse action should be taken pursuant to 12 cfr 1002.2 ( c ). On XX/XX/21 both letters were delivered. Then on XX/XX/21 I attempted to check my account via mobile site and noticed First Progress had closed my account.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Experian isnt reporting certain items as being under dispute. Ive submitted the dispute on XX/XX/2021 and they have not reported these items as under dispute which is grounds for deletion of said accounts. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Ive linked photos to show that some items I disputed are under dispute however the items I linked with the dispute on XX/XX/2021 are not and havent reported as being under dispute.
Product: Money transfer, virtual currency, or money service

-- - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX wa XXXX XXXX XXXX XX/XX/year> I am writing to formally address an ongoing issue regarding my Cash App account. Despite my efforts to access my account and retrieve my XXXX, I have been repeatedly denied access. I have been informed that the reason for this denial is my inability to match certain records. However, I would like to emphasize that this XXXX is my personal property, and I am fully capable of proving my identity. 

The refusal to allow me access to my own funds is both concerning and unacceptable. I have made multiple attempts to resolve this issue through customer support, but have not received a satisfactory response or solution. I urge you to intervene personally to ensure this matter is addressed promptly and. I trust this situation can be resolved swiftly without needing to escalate it further, but I am prepared to take any necessary steps to protect my rights as a customer and secure my funds. 

I would appreciate a prompt response outlining the steps Cash App will take to resolve this issue and grant me access to my account. Please contact me at XXXX or via email XXXX. 






Show quoted text
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

a former bank teller with an unusual first name I hate to write for a reason robbed me of about $ 6000 years ago then quit. 
it was another bank teller who told me something about the suspect or wouldn ; t have known because I only checked my safe deposit box once in a while. 
I stupidly withdrew {$5000.00} in {$100.00} dollar bills at Capital One years ago as one crooked bank teller with an unusual first name saw all the many hundred dollar bills and saw me take the bank elevator to the safe deposit floor and connected the dots. 
a locksmith told me all the crooked teller did was remove my key I always left in the keyhole to enter 1 of 3 small rooms to examine my safe deposit box and created a wax impression of my key in seconds. 
of course I can't prove this but wanted the senior bank VP Mr XXXX to question the suspect who called the bank at XXXX & XXXX XXXX in XXXX XXXX and someone tells the senior bank VP he doesn ; t know the suspect which is nonsense as I called the FORMER BANK MGR XXXX XXXX who told me HE ONLY KNEW THE FIRST NAME OF THE SUSPECT WHICH TRAPS Capital One in a serious cover up for years, I asked Capital One for a copy of a letter the senior VP sent me who admitted years gao he could be wrong and can't find a copy in my room. 
Capital One hdqtrs in VA REFUSES to send me a copy of that letter by the senior VP I demand the cfpb investigate for a serious cover up, a bank your CFPB hit twice for screwing many bank customers years ago and hit with heavy fines it paid and admitted nothing Sincerely XXXX XXXX
Product: Credit card or prepaid card

Made a payment by check online with Capital One mobile, I was not aware of the check being returned by my bank. I went to make my next month payment by check like the previous month, thy took the payment. I go to use my card which I had available credit it was denied. I log online to my account and both of my cards are now closed. I called they said because of the returned payment. They closed my accounts but I can still pay my balance by check online. So they take your charging privileges away but yet they continue to take your monthly payment by check. My nsf was a bank error and they didnt offer me a way to correct the issue, just closed two open charge accounts I had. They do n't disclose this information in you customer agreement for. No information giving to consumers about returned nsf items. Capital One close your accout for 2 nsf in 1 year, but do n't tell you this is they practice.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I tried to transfer {$2500.00} to my friend, XXXX XXXX, through PayPal. Transaction ID XXXX PayPal locked her account and now the money is just stuck in her fund. She can not refund it to me because the exchange rate made it XXXX XXXX lower than the original amount I sent her. We have tried everything with PayPal to get them to release the funds ; it's been over a year and still nothing. 

At this point, she just wants to refund the money to me through PayPal and be done with it.
Product: Credit card or prepaid card

Capitol one is practicing deception and leaving consumers hanging. I called Capitol one to order a new card as my current one doesn't work, the chip is not being read by the card reader. Called once and was told by agent your current card is active until the new card is activated by phone or use. Turns out I never got the card, it happens. I called a XXXX time was told literally the same thing. 
I was using my old card for purchases in the mean time. Time goes by XXXX card never comes. I call and order the XXXX and I never got it. So I decided to use my old card for groceries it didn't work turns out they deactivated it without my consent and I was told they only deactivate when new card is used or I call it in. 

I called spoke to supervisor and I asked him to deactivate my card he said he couldn't. Told him every agent told me old card doesn't get deactivated till I make a purchase with it. I told him I made no mistake and I'm suffering for it. He said for him to cancel account he needs to read disclosure. I said I don't agree to it because it'll affect my credit and you guys made the mistakes repeatedly. He then hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -- XXXX  Account 's Date Opened : -- -- XX/XX/XXXX SUNRISE CREDIT SERVICES- Account Current Balance : XXXX XXXX XXXX XXXXXXXXAccount 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXAccount Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Product: Credit reporting or other personal consumer reports

I have always paid my XXXXXXXX XXXX XXXX account ( Account No. XXXX ) on time and take my financial responsibilities seriously. Despite this, an inaccurate late payment has been reported on my credit file. I have also noticed inconsistencies in how the credit bureaus are reporting my payment status. For example, TransUnion and XXXX show Paid or Paying as Agreed, while XXXX reports Current, was past due 30 days. This inconsistency violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ). It also breaches 15 USC 1666b ( a ), which states that payments received on time can not be treated as late. If this issue is not corrected, it constitutes willful noncompliance under 15 USC 1681n, making the responsible parties liable for damages of {$1000.00} per violation. 

These errors are unfairly damaging my credit score and causing me unnecessary stress. I request that this inaccuracy be corrected immediately so all credit bureaus accurately reflect my payment status as Paid or Paying as Agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> BIG XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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 confidentially under the USC 1681.

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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX And Credit Acceptance Corp I Have sent them a letter XX/XX/year>, and XXXX of XXXX  About showing proof of me authorizing payments with them. Still have not received a response.