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

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}
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 ( CFPB ). Specifically, XXXX failed to take timely and effective measures to prevent 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: Credit reporting or other personal consumer reports

This negative item does not meet the FCA reporting requirements. I do not recognize how and why it is reporting. Delete immediately.
Product: Checking or savings account

Capital One bank has an " outage '' and has been withholding my deposit from my company for 2 days now with no ETA of when service will be restored. They are taking money from my account but no deposits are coming in.
Product: Debt collection

I noticed a levy on my bank account on XX/XX/XXXX from Midland Inc. I called Midland asking what it was for and I was told it was for a XXXX credit card in the amount of XXXX I told them I knew of no such debt and to send me documents showing the debt. They told me to go to the courts for that information. I printed out the public records and found the case. The rendered a judgment against me in XX/XX/XXXX. It shows on XX/XX/XXXX that I was given a proof of summons. My complaint is that I have never been served in my entire life of anything and that I have received no information on this debt. This credit card hasnt been used since XX/XX/XXXX when I was married. My ex didnt pay this bill I am guessing and now Midland is coming after me. I know that this is n't a legal way to handle this and something should be done about this.
Product: Debt collection

I received a letter from XXXX XXXX XXXX for a Citibank, NA stating I owe a debt of XXXX regarding My Best Buy visa. I never had a Visa from best buy. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and notice that's some things we're incomplete and not reported accurately. 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. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a XXXX against TransUnion for violating my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( 5 ), and 15 USC 1681i ( 7 ). 
On XX/XX/XXXX, I submitted a dispute to TransUnion regarding [ inccurate, incomplete. In accordance with the FCRA, I requested a description of the procedures TransUnion uses to investigate and review disputes. 
To date, [ XX/XX/XXXX ] 18 days have passed since I submitted my dispute, and TransUnion has failed to respond. This inaction constitutes a clear violation of the FCRA, which mandates a response within 15 days of receiving a dispute. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for their failure to comply with the FCRA. I have attached copies of my dispute letter and any relevant documentation for your review. 
I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Subject : Dispute of Inaccurate Information & Request for 1099-C Dear Sir/Madam, I am writing to formally dispute the inaccurate information that you have reported to the credit bureaus regarding my account [ XXXX XXXX XXXX XXXXXXXX XXXX ]. I recently reviewed my credit reports from the three major credit reporting agenciesXXXX Experian, and XXXX I noticed discrepancies regarding this account. Such as it being reported with different balances and charge off amounts .According to the reports, the debt associated with this account is still being reflected in a manner that is not accurate or reflective of the true status of the debt. 

Furthermore, I am requesting that you issue a 1099-C ( Cancellation of Debt ) form for this account, as the debt has been written off, and I am entitled to receive this document for tax purposes under Internal Revenue Code Section 6050P. Based on the nature of the account being written off and settled, I believe I am entitled to receive this form. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate and complete information to the credit bureaus. I ask that you correct the inaccurate details with all three reporting agencies immediately, or provide a written explanation for why this information can not be corrected. 

In addition, I am requesting that you provide clear and detailed documentation confirming that this debt has indeed been discharged or written off, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe I should no longer be held liable for this debt, and your refusal to provide accurate reporting, as well as the 1099-C form, may be in violation of both the FCRA and FDCPA. 

If you fail to provide the requested documentation or continue to report inaccurate information, I will consider further actions to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal remedies as provided by the laws governing credit reporting and debt collection. 

Please respond within 30 days of receipt of this letter with an explanation of how you plan to resolve this matter. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

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

XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX, and XXXX. Please remove the 30 day late payments from my credit reports.
Product: Student loan

Loan Payment to Mohela on XX/XX/XXXX for {$810.00}, Confirmation Number XXXX, amount withdrawn from my XXXX XXXX Account on XX/XX/XXXX and processed as paid to Dept Education XXXX XXXX XXXX XXXX. 

Loan Payment to Mohela on XX/XX/XXXX for {$1000.00}, Confirmation Number XXXX, amount withdrawn from my XXXX XXXX Account on XX/XX/XXXX and processed as paid to Payment to US Department of Education.

When will my payments be applied to my loans?

I've tried tried calling on two separate occasions only to sit on hold for over an hour and then be transferred and placed on another indefinite hold. My mom called Mohela at XXXX on XX/XX/XXXX at XXXX on my behalf. She was on hold for approximately an hour and finally reached someone and provided them all of the information above, they said they were able to see the transactions but she would need to talk to a different department. She was transferred and stayed on hold until XXXX before hanging up. 

Since we've been unable to get a response from Mohela, I decided to reach out for help through the CFPB.
Product: Mortgage

I tried to work with Citimortgage to resolve an issue resulting from a second mortgage that they took foreclosure action on in XXXX. The timing of this action falls under the Cease and Desist order as well as the Consent Judgment filed against them and other lenders, in or around XXXX by the US Government. According to the Order and Judgment, Citimortgage is obligated to work directly with me if I have an issue with their third-party agent, in this case XXXX XXXX XXXX, a law firm. After speaking with Citimortgage representatives several times during XXXX, they told me that the third party refuses to release the file back to them and they can not do anything about it. However, they are under order to bring back files from third parties if consumers are having issues with them, which I am having. In addition, my original issue needs to be resolved directly with Citimortgage. That issue is I should have been offered remedies under the Order and Judgment but was denied access to these remedies by the third party. Please see attached documents regarding the fake mediation and judgment the third party coerced me into and their continued unfair actions against me in light of the Order and Judgment.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the bureaus through investigation. All XXXX Bureaus are reporting different scores and accounts which is illegal. 

" I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on all credit agencies- Experian, XXXX, and XXXX. 
The latter make it very easy to remove the credit freeze from their web site. On the other hand, Experian does not have ANY information or link on their web site - i.e., my account - regarding how to remove the freeze. They DO market their XXXX feature that costs money without mentioning the FREE freeze feature. I had to literally call a Support person who separately sent me a link to remove the freeze. 

Being able to FREEZE your credit report is supposed to be a free feature - YET - Experian is trying to take advantage/hide this free service. That is not right.
Product: Debt collection

I 've already paid in full and settled this case in XX/XX/2016. 
I have a receipt of my payment to prove that I owe nothing.
Product: Bank account or service

Wells Fargo has charged me more than {$2000.00} in return fees and bank charges since XXXX 2016 due to " holding '' certain deposits for a certain number of days because they were from out of town banks. The issue I had with it was the amount of days they held the checks differed each time and also the amount they held out of each check differed. XXXX checks from the same bank for the same amounts had holds placed on them for different lengths of time and the funds released from each checks were different. XXXX of the checks had funds released in increments over 2-3 days. The other check was held for several days with no funds being released until the hold was released on the entire amount. After being charged fees for the XXXX held checks it became almost impossible to regain control of my checking account. I was only making deposits to cover the fees they continued to pile on. At this time the account is overdrawn and I do not have the money to cover the negative balance of almost {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove any old or duplicate addresses from my report. They are all non-mailable address. 
Remove any old or duplicate phone numbers. 
Remove any variations of my name that is incorrect.
Product: Credit reporting or other personal consumer reports

Please see Complaint # XXXX This has not changed. Nothing has changedf and I continue to be without access to my credit file. At what point ( 30, 60, 90 days or whenever they please ) do I get something for all of this delay? There should be a daily penalty imposed for circumstances whereby their delay is interferring with the livlihood of a consumer. They would certainly want to impose a charge upon me or even worse - reporting negative and erronous information. And no disrespect the CFPB but they have know about this for more than 6 months. I have return receipts from mailing that show they not only acknowledged receipt of my communications but has taking no action to correct the problem. Please let they know my concern and in the event that I lose the vehicle I am attempting to purchase, I will take legal action as that is the only thing they seem to respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX  Date of inquiry XX/XX/2020
Product: Debt collection

COMPANY IS REPORTING AN ACCOUNT THAT IS NOT MINE- I HAVE TRIED TO RESOLVE THIS WITH THEM BUT HAVEN'T HAD ANY SUCCESS
Product: Credit reporting or other personal consumer reports

I am submitting this statement as a victim of identity theft from the breach. Under 15 USC 1681c-2 ( a ). I request the immediate removal of all fraudulent items from my credit report. These unauthorized accounts and transactions were not made by me. Please take prompt action to block and delete these fraudulent items as required by law.
Product: Debt collection

I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Product: Credit card or prepaid card

I was a victim of fraud. Unfortunately, it was my boyfriend. He emptied my savings of {$10000.00}. He wrote me a few checks for a very small amount to begin to pay me back. Wells Fargo held the checks for a minimum of three days to ensure that they would clear the XXXX XXXX  Account. 
After that he disappeared. What I dont understand is this. I had a credit card with a credit limit of {$4100.00}. I only had used {$2100.00} Of the credit. The following month I had a balance of {$11000.00}. I was livid. I have fought and disputed this with Wells Fargo since XXXX to no avail, the credit bureaus and discussed with lawyers that I can not afford. I finally convinced Wells Fargo to remove part of the bogus charges. They brought the balance down to a little over 7k. I began to pay it down and then let my anger get the best of me. This company is crooked. I refused to pay! {$6700.00} is my current balance. The account has been charged off 19 times. How does that happen? Also, {$6700.00} is well over my limit of {$4100.00}. Remember, - my original balance was {$2100.00}. With my latest dispute they reported a late payment of XX/XX/XXXX and removed the max debt of $ 11k+. How crooked! How is that possible? The last late payment reported was XXXX XXXX and the last charge off date was XXXX XXXX. This is truly damaging my credit score. Please help me if you can! Kindest Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Product: Debt collection

This company refuses to take this off my credit report. They have violated the FCRA multiple time, and this debt is pass the statue of limitation. They are put you on hold for over 50 mins.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORTHWEST XXXX BANK ACCOUNT # XXXX BALANCE {$950.00} ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP. 

( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Requested the following information from XXXXXXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.
Product: Student loan

I owed {$14000.00} back in XXXX since I didn't get resonable payment option. My loans have been placed on forbearance knowing it's going to benefit them. Now in XXXX I'm in {$30000.00} debt due outrageous interest on the principal. They refuse to give income based payment. I was told I'm not qualified for the program. They refused to reduce the monthly bill. I can't afford it meanwhile I still owed {$15000.00} school fees currently pending. I need a full detail of why my original loans double. Please investigate on my behalf. I'm drowning in the educational debt but I didn't graduate yet because my current wouldn't let me register unless I pay the tuition in full. Please help me