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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX I got a home loan through Bank of America. During this process I was informed I would receive free checking and a free security deposit box. I specifically asked when signing up for this feature, How long do I have this feature? and was told, " Through the life of the loan. '' ( per branch manager at the time in the XXXX office ) As of today I still have a home loan through Bank of America however last year I received a letter stating they will no longer offer this feature & they will from there on out start billing me for this service ( which was never disclosed to me they would be doing this ) In XX/XX/XXXX I was notified by Bank of America about refinancing through them to get a better rate, I spent quite some time going over everything with them & was assured multiple times the terms would stay the same & nothing would be changing but the rate. This was conveyed to me by XXXX XXXX and XXXX XXXX who were employed by Bank of America and representing me at the time of the refinance. I have spent countless of hours on the phone with Bank of America trying to get this issue resolved only for them to give me story after story of why they are taking this away. I also spoke to I believe a XXXX from the XXXX Bank of America branch. When I asked why they were out of the blue taking this service away she told me the reason was because they were passing them out like candy and couldnt keep doing this. This is very misleading and dishonest and should have been disclosed at the time of my loan process. Had I known they would take away a feature they had offered and assured me I would have through the life of the loan never would I have signed loan docs with Bank of America. I am a person of my word and feel I was lied to and taken advantage of just to get my money. Reputable companies I know would honor a service they had promised to me to begin with. Im coming to you in hopes you could help resolve this matter in a fair and professional way.
Product: Credit reporting, credit repair services, 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 items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have investment with XXXX. I have been scammed by someone within XXXX, all my investment stocks sold out last Friday, XX/XX/2021 by the scammer. On the same day Friday the criminal scammer used part of my investment money to purchase at an XXXX store in XXXX New Hampshire in the amount of {$1700.00} at exactly XXXX. I have been calling XXXX and sent multiple emails to them but all no answer and no solution. To make matters worse, the scammer again requested a XXXX payment of {$3200.00} from my XXXX XXXX bank account on XXXX XXXX. I called XXXX over XXXX times, sent multiple emails but still no answer and no solution. My hard earned investment account is being controlled by the XXXX and XXXX currently. I had many stocks including XXXX XXXX in which I wanted to sell at {$72.00} per share when that stock went high. My account is currently hacked and all my investment in the amount of {$6900.00} has been stolen or being manipulated by XXXX and its scammers. 
I need urgent help from you guys since I'm a student right and put in the little I have in via XXXX XXXX account to help me with my education. 
Thanks XXXX XXXX Hacked Robinhood email XXXX Current alternative emails at XXXX or XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX Connecticut XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is fraudulent as my information was involved in an XXXX XXXX and I need it removed according to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES 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

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 NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Signed up with a mentorship online for beat selling. The mentorship offered coaching and a step by step guide on how to successfully start a business from scratch. As soon I accepted the offer I was to pay an amount ( {$80000.00} ) to join the classes. As the classes started I was told to pay more money for start up costs, these were not discussed in the intial offering. After about 5 months the coaching stopped and he no longer contacted me. I still follow him on instagram but he is no longer doing beat sale classes but mentorship class for coaches. I don't want to be a coach I just want to sell beats. There is no guidance and what he promised me he couldn't deliver. The money was spent on scam that I didn't know was a scam. XXXX happened in XXXX  around XXXX. Bank of America allowed the transfer to happen without investigating the company as a scam. I reached out for a cancellation and they said XXXX was too long ago to file a dispute.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Resolution and Compensation for Illegal Reporting Practices and Resulting Harm Complaint Details : I am filing this formal complaint regarding the blatant disregard of consumer protection laws by credit reporting agencies and/or creditors in their continued reporting of inaccurate and unlawful information on my credit report, specifically related to : XXXX, Account # XXXX, and the alleged late payments unlawfully listed. 
This ongoing and illegal reporting of alleged late payments has caused undue harm to me and my family, both financially and emotionally. The failure to comply with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws has directly resulted in : Stress and mental anguish : The repeated denials for credit have caused significant distress as I struggle to provide for my familys basic needs. 
Inability to secure necessary household resources : Due to the negative impact on my credit, I have been unable to obtain financing or approval for essential items such as housing, transportation, and utilities, creating undue hardship for my family. 
Defamation of character and financial reputation : The inaccurate reporting of alleged late payments has tarnished my credit history and financial standing, impacting my ability to live with dignity and security. 
Resolution Demanded : To resolve this matter, I demand the following : Immediate and permanent removal of all inaccurate and unlawful entries, including the alleged late payments tied to XXXX, Account # XXXX, from all credit reporting agencies. 
Written confirmation that my credit report has been corrected and is now accurate and in full compliance with the law. 
Compensation for the harm caused by this blatant disregard of the law, including but not limited to : Emotional distress : Compensation for the mental anguish and stress caused by this issue. 
Financial damages : Compensation for the inability to secure necessary household goods and services, as well as any fees or higher costs incurred due to the inaccurate reporting. I am seeking compensation in the amount of {$25000.00} for the cumulative harm caused. 
Should this matter not be resolved promptly and satisfactorily, I will escalate my complaint to other regulatory agencies, including the Federal Trade Commission ( FTC ) and state attorneys general, and pursue legal remedies to ensure my rights as a consumer are fully upheld. 

I trust you will treat this matter with the seriousness it deserves and respond promptly to address this issue and provide restitution. 

ATTACHED IS FTC AFFIDAVIT Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Money transfers

I received a payment in the form of a gift via PayPal. Shortly after, PayPal limited my account, without an option to appeal, without notice or reasoning. With that being said, my payment or {$1000.00} is now being held, for 180 days, which is an extreme abuse of power and policy. I did nothing to violate there terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as 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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX la XXXX remove ALL other addresses listed The only phone number should be listed ; XXXX remove ALL others There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you
Product: Student loan

I recently purchased a copy of my credit report and noticed that the XXXX student loan accounts that I have with " FedLoan Servicing '' are reporting late from XX/XX/XXXX until XX/XX/XXXX. 

I was granted a forbearance from XX/XX/XXXX - XX/XX/XXXX, however my credit report still shows late payments from XX/XX/XXXX - XX/XX/XXXX. I have tried contacting both FedLoan and the individual credit reporting agencies, however this information came back verified. 

I would like to place a complaint on both FedLoan and the Credit Reporting Agencies as subject to Section 623 ( a ) ( 2 ) the furnisher of this information has an obligation to provide this updated information to the Credit Bureaus. Furthermore, the Credit Bureaus are obligated under Section 607 ( B ) to report this updated information on the consumer 's credit report. 

I have documentation supporting both that the forebearance was granted and that the inaccurate information was verified. 

Thank you for your time and attention.
Product: Debt collection

the following companies failed to respond to my debt validation letter. I have no knowledge of the following collections
Product: Checking or savings account

On XXXX I used the 24 hour drive thru atm at the XXXX  florida location after bank hours. I did make a mistake and use the wrong card. I deposited XXXX dollars. The atm said error with deposit returning cash and then said error returning cash. It had some money sticking out thay I had to pry from the machine it was a total of XXXX dollars instead of the XXXX. I called the 1800 24hour customer service right away they said to go in to the branch after getting and understanding what had happened. An investigation was launched In which i was told there was no overages and no way the money could be jammed. I asked about the cameras because i had sat there and counted the money i pried from the machine they said they saw me receive money and started i got the full amount back. I already assumed from the way the lady at the bank said the investigation could be denied that they assumed i was lying and just trying to get free money. After it was denied I called back several times asking them to double check the atm and cameras because I didnt receive my money. Was told there's no possible way it's in the machine and they service them their selves and nothing else she could do for me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns as it pertains to XXXX handling and processing regarding disputes specifically pertaining to the CFPB lawsuit. I reported discrepancies numerous times to my band and Zelle and Zelle failed to act.they informed me that recovering my lost funds was impossible and that I needed to contact the person I sent money to and there was nothing they could do. They did not respond to my claim and said they could not track funds. According to the CFPB claim findings show that Zelle neglected to protect customers and allowed for report offenders to continue this and exploit customers, which left users vulnerable to scams with no accountability or support. The lack of due diligence and accountability to keep consumers safe is alarming to my customer safety.
Product: Credit card or prepaid card

Account annual fee for the new membership year billed on XX/XX/XXXX. Per established policy according to the bank, a customer has 30 days from when the annual fee was billed to close the account and get the annual fee refunded. I have some family emergency ( spouse delivering baby in XX/XX/XXXX ) and would like an exception from the bank to refund me the {$400.00} annual fee. I requested the closing the account on XX/XX/XXXX, 31 days from the annual fee billing date ( 32 days if the billing day itself is included ). It is just one or two days off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this formal investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are mistakes on my credit report regarding 15 USC 16c-2. The inquiries shown were not authorized, and this false information is damaging my credit. Kindly remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed by mail several inquiries and I have not received a response from Experian. I have attached a new letter with the inquiries I am disputing.
Product: Checking or savings account

I have XXXX USD in form of International money order, issued by XXXX XXXX XXXX XXXX, ( copy of the first and the last cheque attached ) I send some of the Cheques for collection, ( through my bank account ) part has been collected, Two returned refer to maker, and two returned counterfeit. 
I can not understand, the cheques are in a cerial numbers means started from XXXX ended in XXXX ( 500 cheques x XXXX USD = XXXX, the second group started XXXX ended XXXX ( 500 cheques x XXXX USD  = XXXX USD  ), of course I have to pay the fees of the returned cheques to my bank. 
What will happen if I send all the cheques for collection. and what shall I do, and who is the maker I have to refer to?
Product: Debt collection

Re : Cornerstone Credit Services.L.L.C ( XXXX ) I have spoken to representatives at Cornerstone regarding notices to pay client XXXX XXXX XXXX the total amount of XXXX regarding statement XX/XX/2022. 
When I called the Cornerstone representative today, XX/XX/2022, they notified me the total in now {$180.00}. Even though I still have not received a bill from XXXX  XXXX. I called XXXX  XXXX  today and I paid my bill directly and paid the {$150.00} bill. ( paid on XX/XX/2022 ref # XXXX ) On XXXX, XXXX Cornerstone sent a notice on behalf of XXXX XXXX XXXX for the amount of {$44.00}. I also paid them directly. ( attached statement paid on XX/XX/2022 ref # XXXX ) Cornerstone wanted me to pay the {$44.00} and {$180.00} today. One amount has interested applied and the other does not. 

When I last spoke to Cornerstone I was told the total amount included both the {$44.00} and {$150.00} to get me pay the {$180.00} that the XXXX XXXX statement was at the time knowing the {$180.00} would not cover the {$44.00} amount. 
Both attached statements are from Cornerstone Credit Services. 

Cornerstone wanted me to pay a total of XXXX today but I declined stating both Alaska XXXX XXXX and XXXX XXXX have been paid. The statements attached are the only Cornerstone Statements I have received. They informed me the interest will be billed to me. 


Please Advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I can file as many complaints as it takes to get Experian to do a proper investigation. But if they don't do an investigation after this second complaint, I am sending this to an attorney. Their opinions of who filed this complaint is of no concern to me, but the fact that they are breaking the law and purposely keeping my credit report damaged without attempting an investigation is.
Product: Mortgage

I am filing this complaint in light of the recent announcement for the Wells Fargo agreement to a {$3.00} XXXX settlement with the Consumer Financial Protection Bureau over customer abuses tied to mortgages. Wells Fargo ( Account # XXXX ) transferred my Mortgage to XXXX XXXX XXXX after a loan modification was completed in XX/XX/2016. At the time of the loan modification, the original loan balance was {$270000.00} with a 30-year term. After the loan modification was completed, the loan balance increased to {$350000.00} with a 40-year term. The {$81000.00} difference in the pre and post modification was never explained as to why the balance increased significantly. I also have questions as to why the term period increased from a 30-year loan to a 40-year loan. I had major concerns regarding the difference amount and terms, however, I signed the modification document as I felt I was given no other options to lower my monthly mortgage payment. In essence, this loan modification created a further long-term hardship for me. My current XXXX XXXX XXXX  Account # is XXXX and their contact # is XXXX. 

My wife and I separated due to the stress of dealing with Wells Fargo over many years trying to work with them to assist us with lowering our monthly mortgage payments due to a financial hardship we experienced.