23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to download or access my annual credit report from XXXX and Equifax. for federal law enforcement investigation into mill fraud also identity theft. XX/XX/2023 there's a different issue with XXXX. i've also consistently tried to upload the pertinent information to make a just determination and this matter to be to my astonishment what was uploaded was nothing even though it shows File was uploaded.
Product: Debt collection

I was checking my credit report and saw that an apartment I've never heard XXXX XXXX XXXX, and never lived at is on my credit for almost XXXX grand owed I contacted them, and they said I signed an electronic lease and am responsible for the debt I told them it wasn't me and asked they did they even ask for ID from whoever it was they just sent me the lease and debt owed with my name on it and that's it I asked how I can get it removed bc it wasn't me as I've lived with my mother my entire life they said to send in the lease for where we live and I sent in the lease and lease extensions from the last XXXX  years they then said I still owe the balance and lowered the amount to a little over XXXX  I told them I shouldn't have to pay because it isn't me and they didn't even get ID from whoever this was and they have no proof beyond this electric lease I tried to get a lawyer but they said I will nee to file a lawsuit and I can not afford that especially for a debt that isn't mine and now I cant rent anywhere because it shows I owe this place a lot of money I have filed a police report and will attach it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Pratection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigationstions and other unlawful pratices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a simal manner.

Please review the inaccurate information being report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After XXXX requests for a debt verification letter the collector has told me I must sign something in order to receive a debt verification letter. I am not going to sign anything. This company has been dishonest and refuses to provide any information or documentation about the amount account or anything else.
Product: Debt collection

I was sent a notice by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX about a debt XXXX Bank. I received it by mail XX/XX/XXXX. I returned the notice with a request to dispute the debt and amount wrong by mail on XX/XX/XXXX with a personal check of {$50.00} in good faith. 

I have just sent a second request to dispute debt by registered letter dated XX/XX/XXXX. 
Also a check of XXXX in good faith. 

There has been a Civil case filed against me in XXXX XXXX Court on XX/XX/XXXX. 

Case XXXX. 

I dispute this money owed and a lawsuit was filed before proof of debt supplied to me. 

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

WHILE THE PRIOR COMPLAINT FILED DEALT WITH FRAUD, THIS IS AN XXXX FILING AS A MEMBER OF A PROTECED CLASS A reasonable accommodation is an adjustment made in a system to accommodate or make fair the same system for an individual based on a proven need. That need can vary. Accommodations can be religious, physical, mental or emotional, academic, or employment-related, and law often mandates them. 

PNC was sent no fewer than FOUR accommodation requests, all ignored. They were also sent proof of status and submissions show a pattern of deliberate withholding of funds requested via wire transfer and why the request was made already made clear. I will post current up to date proof of XXXX to negate any claim made by PNC possible and will also over time post each demand letter sent, to whom it was sent, when it was sent and the responses should stonewalling continue to deliberately cause continued distress on. Based on past actions, PNC will continue to do nothing to resolve any of its obligations unless proof of wrongdoing is provided. As you wish, including the envelopes, tracking numbers and delivery dates. The truth does not need to remember the story and it is only the direct actions of the institution that is telling the story that had no need to be told if consumer rights were observed not exploited.
Product: Mortgage

Please accept this formal request to provide me that certain written : Request to Terminate an Equity Line of Credit under N.C.G.S. 45-82.2 on any alleged account ( s ) relating to me secured by real property commonly know as XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX , NC XXXX and XXXX XXXX XXXX XXXX XXXX , NC XXXX. 

Thank you, XXXX XXXX Policyholder
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I would like to dispute this this unauthorized inquiry on my credit report.
Product: Debt collection

I have tried multiple times to handle this debt with XXXX XXXX XXXX. Someone stole my identity and have opened up an account in my name. This debt does not belong to me and they have not provided physical proof. They only have sent documents of whoever opened the account in my name and forged a signature that is not mine. I am XXXX and haven't opened this account. I have been going back and forth with them about this for years. If they can't provide physical proof of me opening this account. They need to delete it from my name. Just because they have signed documents doesn't mean that I opened the auto loan in my name. It is not my account and I am not accountable for this account. The account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If Capital One made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.
Product: Checking or savings account

On XX/XX/XXXX, I purchased concert tickets through XXXX, total cost {$XXXX}. Due to the pandemic, the concert was postponed several times. I purchased the tickets with my Wells Fargo debit card. 

In XXXX of XXXX, some hackers compromised that Wells Fargo checking account, and the bank made me close that account and open a new one. 

On XX/XX/XXXX, XXXX notified me that the concert had been cancelled. They said refunds would issue shortly. When the refund was not issued within the promised timeframe, I contacted XXXX and they claimed that they issued the refund on XX/XX/XXXX, returning the funds to the account I had used to purchase the tickets. That is impossible, as that account had been closed about a year earlier. I asked if they could issue a refund to my current checking account ( which XXXX currently has on file as my primary checking account ) and they say they can not. 

I contacted Wells Fargo, filing a formal complaint, and they said they can not help, and that I have to go through XXXX. An obvious XXXX and no one is taking responsibility. 

I am entitled to this refund for the cancelled concert, and it is not my fault that XXXX and Wells Fargo can not work it out between them. 

Thank you for your time and attention.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 proces : + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 29.4K ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I + was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Product: Checking or savings account

Hello. 
Citibank closed by checking account I received 2 emails emails on XX/XX/2022 " We noticed unusual account activity For your security, we've temporarily blocked your accounts. '' And another one after 15 minutes " Your Citi account ( s ) will automatically close within 60 days '' The email promised that I will get more details in a physical mail and a check with remaining funds, but I did not receive it. Multiple calls to consumer service with my complains about lack of information did not resolve the problem. The only response was physical main is coming, noting is available in the mailbox.

I still get some useless physical mails from Citibank. For example, one mentioned a product change for closed Citi XXXX credit card. 
Communication with the bank is also strange, they mentioned suspicious activity, but did not provide a way for me to verify what happened - access to the web site is forbitten and customer service phone representative tell that they don't see the info since account is closed. 

Please ask Citibank for the reason why account was closed and confirmation that proper explanation was send to me. I also want an easy access to receive the remaining funds. Waiting for check send by a mail takes too long and I don't even know if it was send. 
Thank you. 
XXXX. 

Account details : Online checking account XXXX XXXX XXXX XXXX XXXX Email : XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

On XX/XX/year>, I received a text message on my cell phone that a transfer ( {$950.00} ) had been completed by XXXX XXXX  to a person named XXXX  ( who I do not know, and did not make the transfer ) ; Attachment XXXX Soon after, I tried to access my XXXX  account and received information about a DATA LEAK ; Attachment XXXX I accessed my REGIONS BANK app and noticed that the transaction was pending and they had used my REGIONS Bank debit card information for this transfer. I then called customer service and spoke to the Regions Bank fraud department ( XX/XX/XXXX, XXXX XXXX  ). I was informed that I should go to a bank branch on XXXX, after the transaction was completed, because since it was pending there would be nothing to do ; Attachment XXXX I then ( XX/XX/XXXX XXXX ) logged into XXXX XXXX XXXX customer service chat where I spoke to XXXX XXXX XXXX about what had happened, she referred me to XXXX XXXX from the fraud department who advised me that my account should be cancelled, that the transaction would not be completed and the money would be returned to my account ; Attachment 4 As per the guidance received during the call with Regions Bank customer service, I scheduled an in-person appointment for FRAUD CLAIMS ( XX/XX/XXXX, XXXX XXXX  ) ; Attachment XXXX On XXXX, XX/XX/XXXX, I went to the bank branch and spoke to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I had already blocked my card online. She advised me to cancel it and issued a new debit card. However, the transaction was still pending and she asked me to speak to her as soon as the transaction was completed ; On XXXX, XX/XX/XXXX, the transaction was completed, so I sent an email to XXXX XXXX XXXX, but I had already made the claim online ( Claim ID XXXX ), days ago I received by mail a negative from the bank ; On XX/XX/XXXX at XXXX XXXX  I called XXXX XXXX  again, asking about the return of my money. I spoke to XXXX XXXX, who asked me for several pieces of information. Using my debit card number she was able to find the transaction to the account of a woman named XXXX XXXX. I told her that I didn't know this person and had not carried out this transaction. She said that since the transaction used my Regions Bank debit card, I should start a claim with the bank so that they could return the money. I asked them to send me the recording of the call. She told me that this was property of XXXX XXXX  so she couldn't send it to me ; Attachment XXXX On XX/XX/XXXX I sent a fax with all documents to Regions Bank to show the evidences that I had not authorized this transaction, I never got a response to that ; fax receipt attached On XX/XX/XXXX I opened a claim in CFPB requesting Remitly - claim XXXX On XX/XX/XXXX I went to Regions Bank branch , spoke with XXXX XXXX XXXX he took all documents and opened a new claim On XX/XX/XXXX I received the Remotely response ( attached ), I sent this response by email to XXXX XXXX, but I never got response ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm worried that the credit report investigation you did recently might not be accurate. I asked for this investigation because I thought the things on my report were wrong. Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I received a letter saying those things were checked and found to be correct. I need to understand how your team did the investigation and made sure they were right. Please explain : How did you decide that the things reported were legal? What documents did you use to do the investigation? Can you share all the information you sent to the company that gave you the data? How much did it cost to get those documents? Can you show proof that you got the documents on time? Did you talk to the company that reported the information to confirm it was accurate? If you did, who did you talk to, when, for how long, and what's their job? Can I have their phone number? What's the name and job of your employee who talked to them? How long have they worked for you? Did your employee get special training? Did you exchange emails or written messages? Can you give me all the proof that you really looked into this? When did the problems with my credit start? When will they stop showing on my report? I also need a paper that's signed by a notary to confirm this information, as I have the right to ask for. It's important that your response is different from anything else. If you can't follow the time limits set by the law, then please remove the wrong information. It's hurting my credit and my well-being.
Product: Debt collection

Owe {$9100.00} on a repossession started in XX/XX/2019 Called US Auto about a repossession to try to settle and continued to get transferred to different departments because no one could find any info on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX, XXXX XXXX. XXXX XXXX XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX XXXX. XXXX *Account Number : XXXX *Credit Bureaus : XXXX XXXX XXXX *Account Number XXXX XXXX *Credit Bureaus : Transunion XXXX. XXXX XXXX XXXX  *Account Number : XXXX *Credit Bureaus : XXXX, XXXX, Transunion XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX, and XXXX ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Debt collection

A collection agency named Aspen National Collections recently started reporting a {$1700.00} debt on my credit report from XXXX XXXX XXXX XXXX. I have repeatedly asked the collection agency why they did not contact me about this account before reporting it, but they told me that they don't have to. I am fairly certain that this is a violation of collection laws. 

If they had notified me first, I would have certainly disputed it. Because I do not have a debt owed to XXXX XXXX XXXX XXXX. 

Also, I've even gone as far as asking Aspen National to send me something that proves that I have a debt with XXXX XXXX XXXX XXXX, but they just dismiss me and say they don't have to do that either. 

The only response I've gotten from Aspen National reps about this transgression is that i should dispute the account at XXXX XXXX if I feel it is inaccurate. I have done that, but Aspen keeps telling XXXX XXXX that its legitimate. So I don't really see where that's helping the situation.
Product: Credit reporting or other personal consumer reports

Corelogic is reporting incorrect information on my consumer report. My name is XXXX XXXX there should be no other name listed on my report. My address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect and should be immediately deleted. My identification is attached to this complaint do not request it to stall for time.
Product: Mortgage

We obtained a mortgage from XXXX and during the pandemic a deferral process was offered. We were told that the amounts deferred would be put on the end of our mortgage loan. Towards the end of the months able to be deferred ( around XX/XX/2022 ) XXXX transferred all their mortgages to a company called Mr. Cooper. Mr Cooper failed to honor the deferment process making the home owners go through another approval process in which the clients were not allowed to owe more then 18 months. Each month we spoke to a different agent and we were told different stories. Some said only one payment was required and another one would say 2 payments were required and most recently on XX/XX/2022 we were told one payment was required to enter into the application for approval docket. Meanwhile they had been reporting to the credit bureau that we were not making payments that were SUPPOSED TO BE DEFERRED! So on XX/XX/2022 I called to make that monthly mortgage payment that I had been making since XX/XX/2022 and was told that I was unable to do so unless I paid TWO mortgage payments! So, we are at risk of ruining our credit so unable to refinance, at risk of losing our house, and been lied to for months as they called EVERYDAY to the point of harassment and when we would answer the agent would say they need the information on the account because they were unsure of why we were called! Every call was recorded and the agent today stated she was not sure why we were told only one payment was needed and without being given a due date before it would default to two payments and all she could do was have the manager review the recorded line and speak to the employee about it but that would not help us! This is unacceptable! We had an agreement with XXXX which we would not have made had we known we would be put between a rock and hard place! Something needs to be done about this as the representative I spoke with today informed me others had gone through this and had to seek government assistance to solve the issue which should have never been the case to begin with!
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information.

Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for account XXXX with chase bank.
Product: Credit reporting or other personal consumer reports

In compliance with FCRA 605B, you need to remove any inaccurate accounts from my credit report. Kindly check the documents, as some of the listed accounts have incorrect reporting, amounts, and dates.