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

Subject : Urgent Follow-Up on XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), This letter serves as an escalation and clarification regarding my previous complaint ( Case Number XXXX ) filed on XXXX XXXX XXXX concerning fraudulent activity and erroneous credit reporting by XXXX XXXX XXXX. I would like to emphasize that this is not a duplicate complaint, but a continuation of unresolved issues that require immediate action from both XXXX and your office. 

XXXX XXXX # XXXX. 

XXXX Inadequate Response and Failure to Address Fraud : On XXXX XXXX XXXX XXXX XXXX XXXX responded by asking for additional documentation, including a second form of government-issued ID. However, they failed to address the fraudulent activity on my account, despite my submitting both an FTC Identity Theft Report and an official police report. XXXX 's response continues to ignore the core issuethat my account was compromised through identity theft, which has led to fraudulent reporting across all major credit bureaus, including XXXX, XXXX, and TransUnion, as well as third-party agencies like XXXX. 
XXXX XXXX and XXXX XXXX : The continued erroneous reporting has caused me to lose a {$480000.00} mortgage approval, leaving my family displaced from our home. As a result, we were forced to move into an extended-stay hotel and uproot my children from their school district. This has caused severe emotional distress and disrupted my children 's education, further compounding the negative impact on my family. 
Request for XXXX XXXX : I am demanding that XXXX XXXX XXXX remove all fraudulent entries from my credit report within 14 days and provide written proof that these errors have been corrected. If this issue is not resolved to my satisfaction within this time frame, I will be proceeding with legal action. 

Legal Action : I have consulted XXXX Law Firm, and they are prepared to take legal action on my behalf, including suing XXXX XXXX XXXX for {$480000.00} in damages resulting from the loss of my home loan, the disturbance to my children 's education, and the emotional and financial hardship caused by XXXX 's failure to address this matter. 

I trust that the CFPB will assist in expediting this process to ensure that XXXX takes immediate action. If this matter is not resolved within 14 days, I will proceed with filing a lawsuit for damages, including punitive damages, as well as legal fees for the distress and harm caused by their negligence. 

Thank you for your attention to this urgent matter. I look forward to receiving confirmation from both XXXX and the CFPB that the issue has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have a mortgage on my second home and I was reported to be 30 day late. I was in process of refinancing and moving to my second home so I made checks and mailed the checks from my primary home before I left. The mortgage company did not get my XXXX and XXXX check. I was given a notice on XXXX and this was the first time I got a notice that I recieved. This threw my credit off. I have enough funds that I can pay the entire balance off. It is very frustrating having to deal with this when I am always working to make my payments and everything within the timeframe needed to be paid. I expect a resolution of this situation as soon as possible. 


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

Equifax ; XXXX and XXXX  are reporting incorrectly a late payment in XXXX, 2019 on the XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.
Product: Debt collection

Revenue Enterprises is destroying my credit without giving me time to with out giving me time to reply to the medical dept charged to my name i paid into my whole life to XXXX n XXXX now its worthless and i wasnt given an estimate like it was a car or home contractor unlicensed roofer scam I want justice on this XXXX XXXX brought to yheir knees
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by DataX, Ltd regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that DataX, Ltd is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare.

Furthermore, DataX, Ltd is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting.

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy.

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action.

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Product: Vehicle loan or lease

I bought a XXXX chevy silverado on XX/XX/XXXX at the chevrolet dealer in the city of XXXX california for the amount of XXXX with a very high interest of 13.39 giving a total of XXXX including the initial payment for a period of 60 months. The loan was financed by the XXXX XXXX XXXX. The final payment of XXXX was made on XX/XX/XXXX when I called to ask about the title they told me that on XX/XX/XXXX I received it by mail and I called them many times and they only told me That the state sends them an error and they don't know what it is, therefore, today, XX/XX/XXXX, I called them because I did not receive it and they only told me the same thing that the state sent them an error and they hung up the call.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information present on my credit report, which I reported to Experian on XX/XX/XXXX. As of this date, I have not received any response from Experian in regard to the concerns I raised. I hereby provide a comprehensive account of the inaccuracies that necessitate immediate resolution : Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : This account has never been overdue. I request that Experian correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that Experian rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that Experian correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that Experian rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I request that Experian correct this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Consumer reporting agency data breach. I did not consent to anything and my privacy was violated.
Product: Credit card or prepaid card

I am a veteran and XXXX XXXX XXXX and so is my husband. I have had a Capital One credit card for several years and have successfully paid it off and have excellent credit. On XX/XX/2022 my husband used my Capital One credit card to make a {$4400.00} purchase XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 Capital One reported my balance to XXXX even though my due date for paying it off is XX/XX/XXXX. This resulted in a XXXX point drop of my credit score. I called the company and asked if they changed their policy of reporting to the credit bureaus and the representative said it has always been reported that way. If that is the case, the reporting must have had an insignificant effect on my credit so as not to be noticable in the past ; however, this significant drop is detrimental to us as small business owners. My husband was getting ready to ask his banker for a XXXX XXXX loan for new vehicles. No other credit card company that I have used does this. What's the point of using a credit card if everytime you use it your credit score is derogatorily affected? I thought the point of paying off your credit cards on time each month was to help build your credit scores, not destroy them. Ironically, my hygienist told me she can't stand Capital One because they charged her a late fee on the due date because she paid it after XXXX XXXX online. I will wait to see if Capital One does the right thing by its members and changes this policy ; if they do not, I will be closing my account and I will be making sure that my friends, family, coworkers, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) will know that Capital One has implemented such a policy
Product: Credit card or prepaid card

I have a police report with the responding officers badge number and he said he would appear on my behalf if the matter went to court. I also have submitted the cancelation paper from the hotel. Chime refuses to refund me my money even though I did not stay at the hotel. I feel like Im being picked on because Im a young XXXX American and a minority in America. I have the same rights as any race or human being in America. I have been under tremendous amounts of stress cause they have robbed me of constitutional rights and mental safety concerning these business and took money I worked hard for. I have a child I have to support and this has a caused a domino affect in my life. These companies should not be able to just take any law abiding citizens money. I will take this to whoever I must to be heard. XXXX lives matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a credit card that I applied for today, by XXXX. The bank claimed history of my report is delinquent and there there were too many inquiries in the last year. this was a result of my frozen accounts.
Product: Checking or savings account

My checking account was wrongfully closed. After XXXX XXXX falsely accused me of harassment to them. I even have a letter from them stating that my checking account was due to XXXX XXXX. People think in XXXX XXXX age group that they are so mart but their not. They don't have a right to close my account based on defamation of my character. They are full of it as usual. This incident occurred at their bank. She brought the neighbor 's problem to the bank. So wells fargo is responsible for thier employees actions. They can deny they wrongfully closed my account all they like. I was stalked by XXXX XXXX and this was why. I was made to come to the local branch. This is a clear violation of my civil rights, for them to ban me from wells fargo. AFTER XXXX XXXX falsely accused me and called the police on me. While I was at the branch. I had no problems prior to XXXX XXXX wrongfully interfering with my banking business. This is a clear violation of my civil rights telling me not to visit any wells fargo. They are the ones who continue to cover up for XXXX XXXX. This is why I am due compensation from XXXX XXXX for falsely calling the police. This will add to my lawsuit their continue denial of them siding with their employee XXXX XXXX. I was WRONGED here by the entire wells fargo bank. Only after XXXX XXXX knew she would get away with it. Because XXXX XXXX is one of their friends covering up for them. This was down right CRUEL what was done to me and my son. XXXX XXXX acted like she was going to settle. But she is just as evil and criminal like XXXX and XXXX XXXX. These young people think they can outsmart everyone else who is older than them. 

I am banned from doing any business with wells fargo. Because of XXXX XXXX. 

The problem is they weren't exercising their right to close my account. The first year that I had my account until XXXX XXXX falsely accused me of them. Is when they exercised their right to close my account. They keep missing that part. I was wronged by wells fargo and continue being wronged. With them saying they terminated the business relationship. All due to XXXX XXXX falsely accusing me to XXXX XXXX. 

I haven't done anything to deserve this type of treatment. It was unfair for my account to be closed. Based on a LIE. This is where I am owed compensation and how XXXX XXXX falsely accused me of harassing her XXXX XXXX was on their property. When she messed with me. She just kept messing with me. XXXX XXXX keeps ignoring the face like they all have. That my account wasn't closed until XXXX XXXX falsely accused me. 

Wells fargo is responsible for my pain and suffering and emotional distress. 

My new checking account only had been open not even a month. When it was closed.
Product: Mortgage

In XX/XX/XXXX I contacted my mortgage lender to explore my options about removing my private mortgage insurance. My original mortgage was taken in XX/XX/XXXX. I refinanced in XX/XX/XXXX to a 15yr note. I have had my mortgage for 7 years. I have never had a late payment and on a 15 year note Im building equity quickly. I was told in XX/XX/XXXX that my PMI was scheduled to be 'rolled off ' in XX/XX/XXXX and that I could opt to pay for an appraisal if I chose to cancel it right away. The gentleman on the phone was calm and explained everything. I chose to pay the PMI until XX/XX/XXXX rather than incur the expense of an appraisal. After I made my XX/XX/XXXX payment I expected my XX/XX/XXXX payment to reflect the changes that this gentleman explained to me, however they were not. I made several follow-up calls and was told this same story regarding my PMI being rolled off in XX/XX/XXXX. This afternoon I spoke to a very courteous customer service person who explained to me that this is not the case and that I would be required to pay mortgage insurance for the NEXT THREE YEARS due to the fact that my re-fi is less than 5 years old, or pay for an appraisal from their recommended appraiser. However, if the appraisal came back at less than my original mortgage amount I would have to rely on this new LTV. They are in breach of contract and I don't know where else to turn. I just want out of my PMI, and my escrow account closed. I have never had trouble making my mortgage payments and just I wish to exercise this option as it was explained to me - when I have achieved less than 80 % LTV and had no late payments in 24 months. They are abusing our contractual relationship by imposing arbitrary and capricious terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXX M XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XX/XX/2021, Paypal transferred the amount of {$6700.00} without my consent.

I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. I need Paypal to return my money immediatly.
Product: Credit reporting or other personal consumer reports

I have a few inquiries on my report from unknown companies. Please remove these from my credit report 1. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my last and final attempt to file a complain to the bureaus. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX credit bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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

RE : Immediate Removal of Fraudulent or Inaccurate Information Due to Data Breach Exposure To Whom It May Concern, I am writing to formally notify you that my personal and sensitive information was exposed as part of a significant data breach and I demand immediate action to remove any and all associated inaccurate or fraudulent data from my credit report. 
my personal data including but not limited to my social security number, address, and other confidential information was compromised as part of this breach. Under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to dispute the inclusion of any inaccurate, incomplete, or unverifiable information on my credit report due to this breach. 
I hereby request that you investigate and remove any information that was the result of this breach from my credit file. Please provide written confirmation of these actions and update me promptly on the status of my request. 
Failure to comply with my request will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the law. 
I expect your immediate response. 
Sincerely, Enclsures ; drivers license, data breach information
Product: Credit reporting or other personal consumer reports

pursuant to 15 usc 1681 a2 i did not give LVNV FUNDING my written permission to have these accounts furnished on my report this constitutes as identity theft if no written, oral, or electronic permission was given i have uploaded a copy of my FTC report and also the Gram-leach-bliley act state 's i am suppose be given an " OPT OUT '' notice and a way to opt out of my information being shared to credit bureaus and i havent recieved any notices ever in that order