23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Addendum to complaint filed XX/XX/24 at XXXXXXXX XXXX COMPLAINT ID : XXXX Submitted XX/XX/24 This morning, XX/XX/24 I contacted XXXX XXXX  XXXXXXXX XXXX @ ( XXXX ) XXXX. 
regarding the alleged insufficient funds per XXXX, of Ally bank. At XXXX XXXX I/ spoke to XXXX and explained how XXXX of ALLY bank had informed me that since XXXX hadn't cashed in their XXXX mortgage payment. That my account had insufficient funds. I apologized for the inconvenience. XXXX said she did not understand because according to her records their billing was showing already credited. Now i'm really confused. 

I logged onto Ally bank and checked the activity on my checking account ending in XXXX. 
I didn't see any transaction for XXXX. I did see XXXX XXXX  listed on my bank summary. 

I delved further into Ally 's Bill pay section and I found XXXX transaction credited XXXX copied the inormation and can provide a copy on request.
Product: Checking or savings account

This morning on XX/XX/2022 I requested an ACH transfer of XXXX to my linked account at XXXX XXXX XXXX to take advantage of XXXX  higher rate. I received a call and email this afternoon asking me to call XXXX. While I was on hold I tried to log in to my XXXX account and I was locked out. After being transferred to another department I was told that they could not verify with their system that the account at XXXX belonged to me. Why did they approve the linking of the account if they werent sure it belonged to me? That does not make sense. They were so unhappy not only did they not let the funds transfer but locked my account. Why did they need to do that? Im still really angry about that part most of all.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND EQUIFAX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX  XXXX   {$3600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,
Product: Credit card or prepaid card

I have contacted Wells Fargo XXXX different times in XXXX and XXXX of 2022 demanding they stop sending " Super Checks '' to me. Mail gets stolen in my neighborhood frequently, and I don't need to worry about someone stealing these checks. Wells Fargo has given me the runaround. I spent 30 minutes on the phone with them in XXXX where they made me answer questions over and over and then finally said they had stopped it. But today I received another envelope from them containing Super Checks. I want to compel them to stop soliciting me for these checks and potentially putting my identity at risk. My social security number was stolen in a data breach, and I have enough problems. They just will not listen to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southern Auto Financ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ Southern Auto Financ ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ Southern Auto Financ ] XXXX of XXXX : [ XXXX. XXXX, XXXX  ] XXXX XXXX XXXX XXXX [ XXXX XXXX Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

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

Stolen identity Under Closed accounts XXXX XXXX XXXX XXXX XXXX   open XX/XX/XXXX15 Amount XXXX Attached is copy of police report
Product: Mortgage

Our loan was sold to Ocwen Mortgage Serving and ever since everything is a mess. They send someone out to our home monthly to verify that we are living in it and charge us between 50 and 300 dollars each time. I have called numerous times to see what this is all about to just be given the run around. I have become XXXX month behind on our payment due to a family tragedy and have made sure we fall no further behind. Yet they continue to harrass us constantly and have their people who verify that we live in our home make threats to us. It is unnerving. We have tried to work with them to modify out loan yet they refuse to do so. At first it was because we were not behind so we did not qualify now it is because we are behind. Our mortgage is set up with a balloon payment at the end of the loan and we were trying to modify the loan to get rid of this payment. As our previous home loan servicer would not offer us any other option for a modify other than to add a balloon payment on the end of the loan. We have asked for a principal reduction and were told they will not do that. We are at a standstill with this situation. We heard there was a settlement made between Ocwen and the government and when I asked Ocwen about it they cut me off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Sir/Madam, Subject : Complaint Regarding Misinformation on My Credit Report I am writing to formally file a complaint concerning inaccurate information listed on my credit report, which has negatively impacted my financial standing. The inaccuracies appeared in my report obtained from Experian, and despite my efforts to resolve the issue directly with them, the matter remains unresolved. 
The specific item in question is a Repossession from XXXX XXXX Bank that states on my credit report a balance after charge off of {$15000.00}. On XXXX XXXX Experian reports after correction that I owe {$13000.00}. I have contacted the reporting agency several times and have provided the necessary documentation to prove that this account is either in error or is not linked to me. However, the incorrect information remains on my credit report. 
This misinformation has caused difficulty in obtaining new credit and unjustified lowering of my credit score, which has been both frustrating and detrimental. 
I am seeking the Consumer Financial Protection Bureaus assistance in ensuring that this inaccurate item is removed from my credit report expeditiously. It is my right, under the Fair Credit Reporting Act ( FCRA ), to have accurate information reflected on my report, and I would greatly appreciate your involvement in resolving this matter. 
Enclosed with this letter, I have included the following documents to support my request : A copy of my credit report with the inaccurate item highlighted Copies of correspondence between myself and the credit reporting agency Any additional evidence to substantiate my claim Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue quickly and effectively. If you require further information or documentation from my end, please do not hesitate to contact me at XXXX or XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Equifax a letter via a CFPB complaint stating EQUIFAX is in violation of my privacy rights for reporting unauthorized written consent from the consumer. In there response ON XXXX EQUIFAX did not remove the items as instructed, instead claim they will try and verify the information. This has nothing to do with VERIFICATION! EQUIFAX is negligently and/or willfully failed to comply with 15 U.S.C. 1681 ( B ) and 15 U.S.C. 1681 ( A ). I did not give EQUIFAX written authorization to violate my privacy and report what congress said CAN NOT be reported on a consumer report under 15 USC 1681 ( a ) ( 2 ) ( b ) any consumer transaction with an extension of credit from the CONSUMER direct or indirect by the issuer of a credit card or similar device should be excluded from a consumer report. A CREDIT CARD IS DEFINED AS ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICES existing for the purpose of OBTAINING MONEY, LABOR, OR SERVICES ON CREDIT NOTICES. There for the use OF MY SOCIAL SECURITY CARD ALSO KNOWN AS MY CONSUMER CREDIT CARD was used in CONSUMER CREDIT TRANSACTIONS for the accounts listed below! 15 USC 1681a ( 2 ) ( b ) STATES IT MUST BE DELETED! Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes the Court to award monetary civil penalties of not more than {$2500.00} for each knowing violation of the FCRA that occurred since September 30, 1997. I will seek monetary damages along with emotional and financial damages if the accounts are NOT DELETED IMMEDIATELY BY EQUIFAX XXXX XXXX - file # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - # XXXX
Product: Checking or savings account

On XX/XX/26 when going to the XXXX bank, I noticed that my account was incredibly low on funds. I noticed in my checking account that {$4900.00} was removed to my account from a XXXX XXXX. I knew something was right as I don't have a XXXX XXXX account and the amount was too large. When I entered the bank, I immediately informed a person at the desk about my situation and told me that I was a victim of fraud. They were able to give me the individuals name and was able to have the XXXX get onto an investigation while also freezing my account. The individual was able to gain access my checking account, place in a small amount to tell if it was an active account and then remove a hefty sum, some of which was removed from my savings via overdraft. I filed a police report, and created a new checking account and debit card.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent inquiries and incorrect personal information that have appeared on my credit report. These errors are directly tied to a data breach and are harming my credit. Additionally, a XXXX that has already been discharged is still showing on my report, further impacting my credit score. 

These inaccuracies are preventing me from securing a mortgage loan, which is critical for providing housing for my family. I request an urgent resolution to have the fraudulent inquiries, incorrect personal information, and discharged XXXX removed from my credit report within XXXX  business days. This matter is time-sensitive, and I need it resolved quickly to secure the loan
Product: Checking or savings account

I have Citi access account ending in XXXX which was opened with a promotion which states that have a direct deposit of {$1500.00} or more in first 90 days and once that is done, you will get {$300.00} cash back. 
My direct deposit of {$1500.00} happened on XXXX XX/XX/scrub>XXXX XXXX  but no {$300.00} even after 30 days. 
Chatted with XXXX on XXXX XX/XX/year> during XXXXXXXX XXXX XXXX but no clear answers
Product: Credit reporting or other personal consumer reports

I am currently disputing inaccurate details within my credit reports and urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation. 
these accounts are closed but is was last reported XX/XX/XXXX as negative. This inaccurate and false reporting. Ive worked extremely hard to pay my bills and keep my consumer report in tact. These negative accounts are causing me denials for opportunities I should be considered for.

Im requesting you to delete these inaccurate accounts before I have to exercise my Federal private rights of actions in court. 

How can these be negative and late if closed in XXXX but reported XX/XX/XXXX as a negative ITEM. 

XXXX XXXX XXXX Account Numbers 1 XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Last Updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XX/XX/2022 off my report or provide proof in writing within 30 days.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Alleged Bank Name : XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX  Alleged Account : XXXX Alleged Bank Name : XXXX XXXX  Alleged Account : XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : - XXXX Attached below are supporting documents -Copy of US Passport ( Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me.

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report.

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for XXXX XXXX to provide me with a physical copy of my contract with them and the original creditor Comenity Bank, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and XXXX XXXX has not submitted any evidence of the account belonging to me This is the second account that XXXX credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was exposed in a data breach and I have suffered negative credit remarks as a result
Product: Debt collection

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Product: Mortgage

Husband and Wife owned their home. XX/XX/XXXX, wife passed away. At that time husband believed that the balance on his mortgage loan had been paid down to approximately {$30000.00}. Not more than a few weeks after his wife passed away husband noticed that XXXX XXXX XXXX, XXXX was drawing money from his bank account. After being stonewalled by various XXXX representatives, husband discovered after going through some of his wife 's old mail that XXXX was claiming his deceased wife took out a loan for approximately {$80000.00} and XXXX claimed a mortgage on his Home for that amount. Any corresponding loan that his wife entered into does not bear his signature ; accordingly, any mortgage that XXXX placed on his Home was also forged and therefore void ab initio under Michigan law. Over a period of 7 months immediately following his wife 's death, husband continuously sent letters to XXXX indicating : that his wife had passed away and therefore XXXX should stop sending documents addressed to her ; He had no knowledge of the alleged loan ; He had never authorized the Mortgage on his Home ; and Demanded XXXX to remove the Mortgage at once. 
Effective XX/XX/XXXX XXXX XXXX XXXX became the Loan Servicer. U.S Bank is the assignor of the Note and Mortgage. Husband sued U.S Bank. and XXXX XXXX XXXX to discharge the Mortgage. Husband and U.S. Bank entered into a Settlement Agreement, U.S. Bank failed to live up to its end of the bargain, and the Court dismissed the case. U.S. Bank has failed to take any actions to resolve the dispute. Husband continues to maintain that the mortgage is forged and therefore invalid. However, on XX/XX/XXXX, with full knowledge that the mortgage is defective, XXXX XXXX XXXX, through XXXX XXXX published a Notice of Foreclosure Sale By Advertisement, with a sale scheduled for XX/XX/XXXX - this sale is unlawful.