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

Subject : Dispute of Fraudulent Accounts and Unauthorized Inquiries Immediate Deletion I am writing to formally dispute fraudulent accounts and unauthorized inquiries appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am a victim of identity theft, and I have attached a copy of my FTC Identity Theft Report ( Report No. XXXX ) to support my claim. 

XXXX Accounts to Be Deleted : 1. XXXX XXXX XXXX Opened XX/XX/XXXX {$3900.00} 2. XXXX XXXX  Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX to Be Removed : 1. XXXX ( Bank ) XX/XX/XXXX 2. Bank XXXX XXXX XX/XX/XXXX 3. XXXX Bank XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and removal of these fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ), I demand the deletion of unauthorized credit inquiries, as they were made without my consent and violate my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers are required to report only accurate information. As these accounts and inquiries are fraudulent, their continued reporting constitutes a violation of federal law. Failure to remove them promptly may result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

I request that you complete your investigation and confirm in writing that these fraudulent accounts and inquiries have been permanently removed from my credit report within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

If you need further verification, please refer to the attached FTC Identity Theft Report, which establishes my claim as a victim of identity theft. 

Thank you for your prompt attention to this matter. Please send me written confirmation of these deletions at the address listed above. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Sincerely, XXXX XXXX XXXX without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report.
Product: Debt collection

I have been receiving calls from Zenith debt colector saying that I owe money from a loan from check and go. I have never got a loan from that company. Also I requested the debt collector to give me more information on that claim. I asked them to tell me when that loan happenned and they wouldn't give me that information and they hang up on me! I explained to them that i never got any loan from check and go and i told them i can not for an account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX that they  confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical difficulties, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This company coerced my husband and I under extreme pressure into signing a contract. It was from XXXX pm until XXXX pm on our XXXX Anniversary. We were told we would not be pressured and it would be only a few hours. They picked us up at XXXX XXXX XXXX XXXX and took us to another facility. After I told them we could not afford the timeshare, they kept reducing it. My credit didnt go through and I was relieved that I couldnt pay them but they kept coming up with another plan. By XXXX I was tired and wasnt thinking straight. I didnt think I could cancel when I regretted the very next day signing a contract with them. I thought it was too late. I have never used their services. Not once. I am very unhappy that my credit report will be so bad forever because of their reporting methods. It is fraud and companies like this should not operate. We can not afford. My husband is XXXX XXXX XXXX and our income is low. We are not healthy to be traveling as well. In principle I do not feel I owe them anything as we have never gotten anything in return. Please help us. Thank you.
Product: Credit card or prepaid card

Payment of {$1500.00} was made and received on XX/XX/XXXX. The card issuer as of XX/XX/XXXX, has still not applied the payment, despite it coming from my checking account at a credit union. They claim their algorithm does these holds to watch for fraud, but given the actual circumstances, that does not make any sense. No one at the company is able to override the decision and Im stuck in a foreign country with no money until funds are released. They claim no interest will be accrued in the meantime, avoiding a TILA violation. What right do these companies have to hold legitimate funds of working ppl for an undetermined amount of time? Poor ppl having money in the bank is suspicious, so they have a right to keep it until they feel better?? Unbelievable. Why doesnt CFPB provide protections for low income ppl in these scenarios? We are out here starving while major banks are making money speculating on funds they are withholding from poor ppl.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )
Product: Mortgage

In XXXX of 2020, I reached out to my Mortgage Company ( Loan Care LLC ) for assistance due to income loss related to COVID-19. Loan Care Informed me that I was approved ; nevertheless, I never received documentation to show my approved amount of terms. I was forced to choose between feeding my family or run the risk of loosing my home due to Loan Cares incompetence and unreliability. What Loan Care did is a direct UDAPP violation as they failed to provide assistance when needed. It is unfair that huge mortgage companies like loan care get away with this unethical behavior. Still until today call after call I cant reach a live representative and I simply get a pre recording advising Im approved. Again no information on the alleged temporary relief I was approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # XXXX Experian case # XXXX Pin numbers keep changing, XXXX, nothing working to update information, phone numbers here help with still old information not being changed mailed calls. CFPB help here still same information, old address and phone number, I have free monitoring for, I have been brenched my identity has been stolen.Same issue nothing has changed I would like to see my credit report, and please have them to unfreeze my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I view my credit report as I was getting denied for credit. As a result of this I have discovered 2 accounts reporting on my credit file that is identity fraud.. These accounts are from the collections agency on behalf of XXXX XXXX XXXX for {$2500.00} and XXXX XXXX XXXX XXXX for XXXX.. I have spoken to Equifax on several occasions and provided them with a copy on a police report that was file.. They have failed to remove the item off my credit report. In the event that I am trying to establish a life for me and my kids these fraudulent accounts are putting a hold on my life and I should not have to suffer nor does my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to XXXX, XXXX on Saturday, XX/XX/XXXX regarding a new inquiry on my credit bureau. I informed them that my credit was run without my authorization. They told me to dispute the charge with the credit bureau. 

I filed a dispute the same day with Equifax. On XX/XX/XXXX I received an email from Equifax stating that they were unable to remove the inquiry and to contact the company directly. I then filed a complaint with XXXX  on their website. I was contacted by XXXX XXXX of XXXX on XX/XX/XXXX regarding the inquiry. I explained to her what happened, and she assured me that she would be forwarding my information to her legal team and that the inquiry would be removed. 

I then contacted Equifax myself on XX/XX/2018 to check the status of the removal. I was told by the representative that nothing had been submitted regarding the inquiry. I then emailed XXXX again the same day but I never got a response back. I then decided to wait 30 more days to allow more time. 

On XX/XX/XXXX, I filed another complaint on XXXX website. I was then contacted by XXXX XXXX. I explained to him what all happened, and he said he would be the one handling this matter from now on. Ive been corresponding with him for the past five months, and the inquiry has yet to be removed. I have been in contact with Equifax was well regarding the removal. It seems that XXXX is giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.
Product: Vehicle loan or lease

The following auto loan is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I was a victim of identity theft and have no knowledge of this The following creditor : Santander Consumer USA opened on XX/XX/scrub> XXXX XXXX
Product: Checking or savings account

I was involved in a vehicle accident In XXXX using a rental vehicle and somehow they are still charge me an amount with no reason I have not heard from this company in months and everything is currently being taken care of by my lawyer and my insurance company. The car rental company is called XXXX in XXXX XXXX Florida they have charged {$230.00} on XX/XX/2020 and I disputed it with my bank which is TD and they deemed the transaction correct even though it is not.
Product: Mortgage

WELLS FARGO HOME MORTGAGE SECONDARY HOME MORTGAGE I AM REQUESTING BALANCE OWED, DAYS LATE UNAPPLIED FUNDS BALANCE ON DATES THAT MY HOME WAS INSPECTED AND DATES AND AMOUNTS OWED WHEN LOCKS WERE CHANGED. 
WELLS FARGO RESPONDS HOWEVER THEY NEVER ANSWER THE SPECIFIC QUESTIONS AS TO DATES THAT INSPECTIONS WERE DONE AND THE AMOUNT I OWED ON THOSE DATES. 
THIS WAS A 10 YEAR LOAN I OWED LESS THAN {$10000.00} HAD A HICCUP IN MY LIFE FORGOT TO PAY THE REAL ESTATE TAXES AND THEN WELLS FARGO & I PAID THEM ON THE SAME DAY THEY STARTED TO ESCROW - IT WAS THE LAST 10 MONTHS ON THE LOAN!! THEY ALSO STARTED TO, MISAPPLY MY PAYMENTS FOR THIS LOAN AND THE ONE FOR MY PRIMARY HOUSE, THEY KEEP SITED THAT THE HOUSE WAS VACANT - IT WAS FURNISHED AND UNOCCUPIED SINCE IT IS A SEASONAL RESIDENCE. THE LOAN WAS PAID OFF NOT FORECLOSED - I AM ASKING FOR DATES OF INSPECTIONS, THE NAME OF THE VENDOR, THE AMOUNT I OWED ON THOSE DATES. SOMEONE TOOK ALL OF MY FURNITURE, AS WELL AS A TRACTOR AN XXXX HOUSE TRAILER --  WELLS FARGO IS DENYING RESPONSIBILITY. WHEN POLICE WENT TO HOUSE DOORS AND WINDOWS LOCKED BUT NO FURNITURE - WELLS FARGO ONLY ONES THAT HAD THE KEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ============================== UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX ============================== XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. XXXX action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Bank of America shared my nonpublic personal financial information with 3rd parties without my consent pursuant to XXXX and FCRA
Product: Money transfer, virtual currency, or money service

I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank is n't listed in their list of banks. Ca n't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands.
Product: Credit reporting or other personal consumer reports

I disputed synchrony bank/ Ashley account..They sent me letter stating they are reporting accurate to the credit bureaus..So who is wrong the credit bureaus or Synchrony bank Ashley ..Open dates are wrong amongst other things on my report.
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. 

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

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.