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

In 2023, my Social Security card, ID, birth certificate, and passport were stolen from my home. I have been in the process of repairing and building my credit in order to hopefully buy a house soon for my family. I also want to keep good relationships with my creditors. Upon reviewing my credit reports, I noticed there were names and addresses reported incorrectly, as well as accounts and inquiries for things I did not apply for or receive any product for. My name is reported incorrectly. There are several addresses that do not belong to me on my credit report. There are inquiries from XXXX, XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  in XX/XX/year>. XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX in XX/XX/year>. XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XXXX  XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX card XX/XX/year> and capital XXXX XX/XX/year>. According to Experian my information has been breached over XXXX times on the dark web, I have filed a Police report with the XXXX XXXX police department. I have already taken steps by contacting XXXX, XXXX XXXX, and Experian by letter. I really want to get this resolved as quickly as possible. This has been very stressful for me and I will just like to move forward with my life. Please contact me if you have any questions or concerns. Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please view supporting documentation attached pertaining to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX {$3500.00} 7 ) US Dept of ED/XXXX {$200.00} 8 ) US Dept of ED/XXXX  {$900.00} 9 ) US Dept of ED/XXXX  {$350.00} 10 ) US Dept of ED/XXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}
Product: Vehicle loan or lease

XX/XX/2023 I need to bring to your attention again the violations of my rights as a consumer and also ask you to uphold the law under your obligations as the CFPB. I ask that under the laws 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515.

I have been a victim of the violation of the Truth in Lending Act ( TILA ) also my Right of Rescission under 12 CFR 226.15 & 12 CFR 1026. 23 ( b ) has been violated. I have also be violated under the Fair Debt Collection Practices Act ( FDCPA ). 

I have been continuously harassed at my home, and my character has been defamed. This has resulted in the damage to my credit, losing credibility with companies I had been associated with for over a decade. I demand that you rectify this issue immediately and compensate me for all the damages caused to me. 

As a consumer, I have the right to be protected by the law. However, the violation of my rights has caused me immense stress and financial loss. I urge you to take immediate action and ensure that my rights are protected as a consumer. 
I can have my claims documented and backed up by all my doctors, of the stress and health issues this situation has caused me. If needed, they have already been informed of all recent events. 

I would like to remind you again of your responsibility under the law 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515. I request you to investigate the matter and take appropriate action against the parties responsible for the violation of my rights. 

Im asking the CFPB to use their enforcement authority. This statement is of the CFPB and has not be upheld in my eyes. Yet I continue to ask that the CFPB uphold their responsibilities to consumers. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions.

When a bank, company, individual, or other entity breaks the law, we may take enforcement action against them. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Mortgage

Select Portfolio Servicing bought my mortgage from my previous mortgage lender XXXX XXXX on XX/XX/2019. Right away, SPS they told me that I had not made a payment for XX/XX/XXXX to XXXX XXXX, and that I was already behind. 

I contacted XXXX XXXX to make sure they processed my XX/XX/XXXX payment and that all previous payments were up to date. XXXX XXXX sent me a copy of all transactions showing that everything was fine, including my XX/XX/XXXX payment. 

SPS has decided, even with a copy of the transaction from XXXX XXXX and my personal bank statement showing the transaction, to Not recognize the payment to XXXX XXXX XXXX. 

SPS has also inflated my escrow monthly balance to XXXX. The tax amount on my property is {$1100.00} annually, and my insurance is about {$1100.00}. I have asked SPS for documentation for the escrow overage, but they will not provide me with the documentation as of today. 

I had made a payment ( s ) to SPS in the amount of {$1000.00} in XX/XX/XXXX and another payment in the amount of {$1000.00} in XX/XX/XXXX.

I received a notified letter from SPS over the weekend, that my loan is in default, so I am seeking help. 

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

In accordance with the FCRA Everything has to be XXXX XXXX accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

on XX/XX/XXXX, I went to wells Fargo branch in XXXX, FL, to put an alert on my account to prevent frauds and for them to take extra precaution with Withdrawal because my driver 's license and wells fargo debit card were stolen on XX/XX/XXXX when someone broke my car window and stole my bag. That same day on XXXX, XXXX, XXXX, I called wells fargo and requested that my debit card to be cancelled and told them what had happened that the police found out that my car was broken into. However, on XX/XX/XXXX, a fraudulent withdraw of XXXX dollars was made on my checking account at one of Wells Fargo 's branch in XXXX Florida, on XXXX XXXX XXXX, XXXX, FL XXXX. 

when i found out on XX/XX/XXXX that a fraudulent withdraw was made on my checking account, i called the bank and explain the situation, they stated that it was unusual because i have an alert on the account, and there should have been extra steps of verification. I went to the branch that afternoon on XX/XX/XXXX to see a manager. they would not let me see a manager, but was told this should not have happened with your license because the alert clearly states that your drivers license was stolen and needed extra verification. 

on XX/XX/XXXX, Wells Fargo concluded that they will not reimburse me my money without proper investigation stating that my signature on file matches signature on the item in question, and a state issued ID, the stolen drivers license was used as identification in the transaction, therefore, i will not reimburse. 

I am filing a complaint against Wells Fargo for their negligence in handling my money and their lack of investigation in coming to a resolution, and in the process calling me a liar by stating that my signature matches my stolen ID, essentially telling me I made a false claim. I want Wells Fargo from now on, to do thourough investigation in instances like these, such as reviewing footages from their branches and to do proper background in people they are hiring to deal with people 's hard earned money. 

Above all, I want my money back with an apology for denying my claim without properly investigated the claim. I want Wells Fargo to be held accountable for how they handle my money and how they treated me. I have made several trips to the bank where the fraudulent transaction happened, spoke to several agents on the customer service lines with no results. I have yelled, screamed and highly stressed because of how wells fargo handled my case. I have been on the phone with the police more than i can count. I should not be the one investigating my case when this happened at the branch ; I frankly feel this is internal fraud.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by FCRA to report accurate accounting consumer has advised ALL the inqueries reported was fraud said companyhad 4 days accoeding to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, signed application with consumer wett ink signature. Consumer is NOTasking for an XXXX XXXX REPORT. If EQUIFAX does not have documentationto show these were in fact authorized it must but be removed and deleted ASAP. XXXX company is liable under SEC to follow certain rules. EQUIFAX XXXX File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
I will be filling out Treasury Form XXXX and IRS form XXXX XXXX forms to audit consumers account. 
EQUIFAX is Securitizing consumers data, but yet refuse to provide consumer a copy of their CONSUMER FILE, not CONSUMER REPORT. 


EXHIBIT 32.2 CERTIFICATION PURSUANT TO 18 U. S. C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Equifax XXXX ( the Company ) on Form XXXX for the period ended XX/XX/XXXX, as filed with the XXXX  and XXXX  Commission on the date hereof ( the Report ), I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge : ( 1 ) The Report fully complies with the requirements of Section 13 ( a ) or 15 ( d ) of the Securities Exchange Act of 1934 ; and ( 2 ) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Operations
Product: Credit card

We apologize, there seems to be an issue with your account preventing access to points. Please contact the number on the back of your card to speak to a representative. [ XXXX ] That error prevents me from booking reward travel and no one at Amex seems able to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent EXPERIAN LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even XXXX XXXX SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET EXPERIAN STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX Balance : {$760.00}, XXXX  XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX XXXX {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I contacted Equif ax Information Services re garding the removal of my current mortgage serviced by   XXXX   XXXX   XXXX   from my credit file. I spoke with a representative whom advised that Equifax had rece ived an " Electronic Communication ''  from  XXXX   XXXX   XXXX  to remove the item from their credit reporting. I spoke with  XXXX   XXXX   XXXX  on the same day  XXXX   XXXX ,  2017 , and they advised that they had not sent any communication to Equifax regarding my account and it still should be reporting as usual.  XXXX   XXXX   XXXX  faxed me a copy of the information that had been reported earlier in  XXXX  to Equifax for reporting.     Due to Equifa x Information Services  removing my mortgage from my credit file, my credit score has dropped from  XXXX  to  XXXX .
Product: Credit reporting or other personal consumer reports

I moved out of state for almost XXXX  years due to splitting with my ex girlfriend and I allowed her to live in my apartment while I was gone as long as she agreed to pay the rent. I thought I was being mature about the break up, a gentleman, which I later realized I made the dumbest mistake thus far in my life. She had access to my personal email, which she knew I never checked, she had call forwarding on my cell phone which she knew Id never answer XXXX numbers or private calls.. I just had XXXX major XXXX  in my family not long before the move. I feel like a complete idiot after realizing she fraudulently opened credit cards under my name without my consent. 
She opened : XXXX Capital one XXXX XXXX XXXX XXXX Prior to me coming out of XXXX  XXXX, not only from the lost that I suffered from but from the break up.. I was threatened by her and her family and lied to by her she denied ever opening the accounts until her best friend admitted to me that my ex girlfriend told her the truth. When I moved back to XXXX  officially late 2023 I came back to my apartment being torn to shreds. I my took allot to have her moved out of my apartment. I contacted police authorities and explained the credit situation and they told me It was a civil suit that had to be filed and denied arresting her. She was charged with throwing bleach on me and destroying my apartment the day I returned after she was warned about having to leave. She broke TVs and thrown bleach on all my property and myself. Luckily no bleach got in my eyes. Im a good guy whos always pride myself in having great credit and I loved this girl. I learned the hard way about her XXXX  online and when she admitted what she did I still was in love with her and was hoping I can change her. Thats the reason I allowed her to stay in my apartment, I genuinely felt bad for her and thought taking a break was the best idea for us. So now Im stuck with XXXX charge offs on my account when prior to this Ive always maintained over a XXXX XXXX XXXX. I paid off a {$40000.00} car and personal cash loans. Ill never mess my credit up. Someone please help me. Im XXXX and shes XXXX and it seems like no one believes my story because I guess to the majority of the world the guy is always the bad guy and I swear this isnt the case here. Ive worked hard for the little that I do have, Ive never committed crimes and I try to live as righteous as possible. This has been effecting my life tremendously and I need these accounts removed immediately. Ive paid for legal services to help me fight it and I didnt get any luck, I was told contacting consumer finance would be my best option? Please help me. Im begging you, please. You you need her information I can provide her name and address and any other details you need, I know posting it in this thread wouldnt be the right thing to do but I would love for her to pay for this, I genuinely feel like the police officers Ive spoke to are XXXX from the way these dismissed me. I cant afford lawyers and I would genuinely appreciate anyone help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  XXXX XXXX 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: Checking or savings account

XX/XX/2024, I have Mutiple XXXXdollar transactions taken out by an app called " XXXX '' early in the morning while i was sleep. I have told chime that these transactions were unauthorized through the night. They said i must dispute the transactions when they are posted. Somebody had breached my account on my " XXXX account '' and XXXX  money out my account. I heard other customers with " Chime Bank '' have problems getting there disputes so I'm contacting agencies so there is no confusion. This is my first issue with the bank in two years.
Product: Credit reporting

I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report fraud by XXXX, XXXX, transunion. I'm tired of being violated by these consumer reporting agencies. I'm protected by consumer laws. I see things on my consumer report that shouldn't be displayed because I never gave them consent to show my private information. I am the original creditor.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I purchased tickets through XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. Unfortunately, due to COVID-19 the events were later cancelled. XXXX XXXX XXXX refunded my account with TD that I used to purchase tickets but, that account had been previously closed. XXXX XXXX has sent multiple emails showing that the money was refunded to TD Bank. I've reached out to TD  and they have stated that they do not have the money. At this point I have become very frustrated because TD has not been helpful and I would like clarity on the situation.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.