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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

I sent an updated employee verification form to MOHELA on XX/XX/ and asked them to update my PSLF payments. They didn't update anything and just sent me a letter saying they updated the payments. 

The employee verification form is saying that it is still being processed after 3 months later and that I have 17 payments left for my loan to be forgiven. I should show that I only have 5 payments left, only 4 left including the payment they just took from me today for my loans to be forgiven. 

MOHELA is not updating payments correctly nor answering my messages on their website. They also have extremely long wait times when I call customer service and I haven't been able to get anyone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I became aware that Wells Fargo reported to the credit bureaus that I had a balance of {$11000.00} that has been reported delinquent. On XX/XX/XXXX, I mailed a credit dispute letter to Wells Fargo Credit Bureau Dispute Resolution requesting for copies of payment agreements, lateness, delinquency for the associated account. Sometime after XX/XX/XXXX, I received a response from Wells Fargo Credit Dispute Resolution dated XX/XX/XXXX, which stated they needed further information to investigate this dispute. On XX/XX/XXXX, I contacted Wells Fargo Credit Dispute Resolution and spoke to a representative who provided an account number and also advised that the account should read as settled in full with a XXXX balance. I proceeded to fax another credit dispute letter with the new information on XX/XX/XXXX. On XX/XX/XXXX, I again contacted Wells Fargo Credit Dispute to follow up on the investigation. ( 35 days after XX/XX/XXXX ). On that day, I was forwarded to the Executive Office and filed a complaint since I have not receive any additional correspondence since XX/XX/XXXX. The representative who took my information advised that someone would contact me in two business days. On XX/XX/XXXX, I received an email from the executive office, who advised that they have received the complaint and would investigate the complaint and have some results by XX/XX/XXXX. I then spoke to a manager of the Executive Office who assured me that this investigation would be completed and I would receive correspondence via email. As of XX/XX/XXXX, I have not received any correspondence via email or telephone from the Executive Office of Wells Fargo. Now 64 days from XX/XX/XXXX to present day and 95 days after the original dispute letter that was dated on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised due to the Equifax data breach. XXXX shows that my SOC and last name are able to be cross referenced with the data that was stolen during the breach. 

So far, I 've placed fraud alerts on all three major credit reporting bureaus and credit freezes as well for additional security, all of which I have had to pay out of pocket for.
Product: Debt collection

My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A charged-off privately-held ( non-government insured ) education loan charged-off trade line is showing an inaccurate Date of First Delinquency on Equifax credit report. The item was already previously disputed directly/via Equifax and furnisher returned 'verified as accurate ' which led to escalating this matter to the Consumer Financial Protection Bureau XXXX This complaint is in regard to the following account : XXXX ( Original lender : XXXX XXXX XXXX XXXX hereafter referred to as XXXX XXXX  XXXX XXXX Box XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX Date of First Delinquency showing on Equifax credit report : XX/XX/XXXX Actual Date of First Delinquency ( date upon which payments were at least XXXX days past due ) : XX/XX/XXXX A complaint was previously filed with Consumer Financial Protection Bureau against XXXX for this account. XXXX responded XX/XX/XXXX admitting that the account became due XX/XX/XXXX and entered repayment. No payments were made, hence XXXX  days from this date would confirm the date of first delinquency actually being XX/XX/XXXX. 

XXXX went on to confirm that they illegally re-aged the debt by changing the Date of First delinquency to the time frame in which my bankruptcy was discharged in XXXX ( see attached evidence, language highlighted XXXX. The Date of First Delinquency lawfully can not be changed when an account is never brought current, hence why it is termed Date of *First* Delinquency. Furthermore, as student loans of any kind can not be included in bankruptcy, the bankruptcy would be irrelevant to this trade line.
Product: Mortgage

And several locations they make sure they dont pay post my payments are there real late and posting my payments and currently doing that now causing me to go into foreclosure and getting an attorney and spending extra money in time to avoid foreclosure this is happened three times before I dont know whats wrong with my lawyer and why they havent caught this but they are companies that are notorious for doing things like this I would like somebody to represent me and help me through this process they say theyre three months behind and Im not Ive gotten all the bank statements and proved it to my lawyer and to them and still at no regard got nowhere
Product: Credit reporting or other personal consumer reports

FRAUDULENT ACCOUNT & INACCURATE INFORMATION 1. Truth in Lending Act ( XXXX ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs. 
Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of XXXX. 
Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations. 

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices. 
Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices. 
Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes.

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce.

Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act.

Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC.

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA.

Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations.

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract.

Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable.

Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration.

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation.

Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation.

Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Product: Money transfer, virtual currency, or money service

Denied Claim Appeals - XXXX XXXX & XXXX XXXX My claim appeals were denied based on the assertion that the transactions were verified using an authentication process with my device and/or confidential information. 

While I understand the importance of security measures in safeguarding transactions, I must express my disappointment with the decision. These claims were filed in XX/XX/2023 and I wish to reiterate once again that I did not authorize the transactions in question, and I firmly believe that they do not align with my typical spending patterns or behavior. As a responsible account holder, I take great care to monitor and protect my financial accounts. However, despite my diligence, unauthorized transactions occurred, leading me to file the claim appeals. It is essential to recognize that fraudulent activity can happen despite stringent security measures, and I rely on Citibank 's support in rectifying such occurrences. I respectfully request a thorough review of my case, taking into account the circumstances surrounding the unauthorized transactions. I remain confident that a reconsideration of the evidence will reveal that these transactions were not authorized by me and warrant reimbursement. Additionally, I am willing to provide any further documentation or information necessary to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX, XXXX, and Experian have not complied to my investigation and unauthorized inquiries to my credit report. I have provided proof of certified mail receipts and there past the 30 day response time. I request all unauthorized inquires removed off of my credit report. This is a fraudulent matter that they are refusing to remove. Attached is the proof of identity that was also sent to each of the credit bureaus when the original request was mailed.
Product: Credit reporting

Hello- Equifax has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of e-OSCAR and the names and contact information be provided to me if Equifax chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Equifax in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX XXXX XXXX - XXXX 2. XXXX- XXXX, Paid directly to provider, proof of payment provided 3. Item listed as " NOT REPORTED-XXXX '', Not my account, unable to verify any creditor. 



We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Equifax. 

Thank you.
Product: Credit reporting or other personal consumer reports

The company claimed to have purchased debt and the added a collection to my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX complaint number XXXX with the Consumer Financial Protection Bureau, was responded by transunion. Problem was not resolved. Original claim was disputed in writing to transunion headquarters and still not resolved. These inquiries are by XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. These inquiries are unauthorized and fraudulent, I asked they be investigated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX MXXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am requesting that the following fraudulent accounts and credit inquiries be blocked and permanently removed from my credit report : Fraudulent 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 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 have disputed this inaccurate information reported to my report several times and they are saying it has been verified yet it is not accurate so that is impossible. I have sent certified letters asking for verification and for them to be removed and it is still inaccurately reporting. They have not been properly conducting investigations and are reporting inaccurate information that is causing me financial harm and stress. Under 15 US code 1681 ( i ), 15 U.S. code 1681 b ( 2 ) and ( FCRA ) : Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. 

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair or deceptive practices, including reporting unverifiable or inaccurate debts
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding incorrect information on my credit report, which I reported to TransUnion on XX/XX/XXXX. As of this date, I have not received any response or resolution from TransUnion. I would like to provide the following details about the inaccurate information and request the necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Not mine ; please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Not mine ; please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i sent a letter to XXXX, Transunion, XXXX requesting them to remove ALL names and addresses that is not mine exact name on my driver license and non deliverable addresses. As of today XX/XX/2024 it still have NOT been removed. 
**** ACCORDING TO FCRA IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION ***The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Transunion, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Vehicle loan or lease

I leased a new car through VW credit. I recently returned my car to the dealership, and for the first time after three years of having the car, I was made aware of the disposition fees. I tried to dispute the charges with VW credit as I was never told about such charges. They refused to remove the charges, instead they insist that the charges are on the contract which I signed. I explained that I was never consulted or told about these charges, which is dishonest business practice not letting the customer know about the terms of the contract. I also explained that I never leased a car in the past, and never knew about the disposition fees. VW credit instead pushes and forces me to get a new car from them in order to remove the fees.
Product: Checking or savings account

I was charged well over {$1500.00} in bank overdraft fees by Wells Fargo from XXXX - XXXX. I signed up for the class action against Wells Fargo some time ago, but I have not heard from anyone regarding the settlement which was reached. Wells Fargo held back my deposits until after they would present withdrawals to my account even if I deposited cash at the bank at opening time, by midnight they would charge my account all the withrawals & overdraft fees, and then post my deposits AFTERWARDS. This made my account go into a negative balance each time they did this, thus causing many presentments to my account to be charged or returned as NSF causing mer to incur charges to the persons I wrote the check to. 
This caused me to receive countless overdraft fees well in excess of {$1500.00}. 

I would like to receive my compensation for their fradulent behavior. It created undue hardship for me at the time. It was a very serious problem that I tried to work out with them directly back then, but it always fell on deaf ears. 

I greatly appreciate whatever help you can provide for me in this regard. 

My address at the time was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Bank account or service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX Bank of America HAS AGREED TO REMOVE INQUIRY FROM MY XXXX REPORT. 
DELETE bank of America INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID