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

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXXand the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that these accounts belong to me and all information is correct.
Product: Student loan

Lender stated they DON'T have a copy of the Promissory Note or Loan Disclosures to provide. So how do you know how the loan is to be paid off. 

this information was requested twice in XX/XX/XXXX, again in twice in XXXX of XXXX complaint filed with CFPB in XXXX of XXXX complaint number XXXX Spoke a supervisor XXXX XXXX on XX/XX/XXXX stated Firstmark Services doesn't have a copy of the Promissory NOTE and Firstmark can't provide the terms of the loan. 

Please CFPB please review the the documents sent from complaint number XXXX. There is a NOTE per the XXXX application on page 3 of the signature page. Please have Firstmark provide the actual Promissory NOTE not just the XXXX Application before closing out this new case.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account XXXX XXXX Dear TransUnion Dispute Resolution Team, I am writing to formally dispute an account listed on my credit report under the name XXXX XXXX. This account is not mine and was opened fraudulently. I have thoroughly reviewed my credit report and this erroneous information is damaging my creditworthiness. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), inaccurate information on a credit report is illegal and must be corrected or removed. The FCRA mandates that credit reporting agencies maintain accurate and complete information. By reporting this fraudulent account, TransUnion is in violation of the following sections of the FCRA : 1. **Section 609 ( e ) : ** This section requires credit reporting agencies to block fraudulent information resulting from identity theft upon receipt of appropriate proof of identity, a copy of an identity theft report, and an identification of the fraudulent information. 

2. **Section 611 : ** This section provides the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or delete inaccurate or unverifiable information within 30 days. 

3. **Section 623 ( a ) ( 6 ) ( B ) : ** This section mandates that furnishers of information must promptly notify consumer reporting agencies of fraudulent activity and ensure that such information is blocked from the consumers file. 

To support my claim, I have attached the following documentation : - Federal Trade Commission ( FTC ) Identity Theft Report - State ID - Proof of Address - Social Security Card - Birth Certificate - Police Report documenting the fraudulent activity These documents unequivocally prove my identity and the fraudulent nature of the account in question. I request that you conduct a thorough investigation into this matter and promptly remove the fraudulent XXXX XXXX account from my credit report. Failure to comply with these requirements may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under the FCRA. 

Please confirm in writing that you have received this letter and provide me with a resolution timeline. I expect to be notified of the outcome of your investigation and the actions taken to rectify this issue within 30 days, as required by the FCRA. 

I appreciate your prompt attention to this urgent matter. Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX -- - **Attachments : ** 1. FTC Identity Theft Report 2. State ID 3. Proof of Address 4. Social Security Card 5. Birth Certificate 6. Police Report
Product: Checking or savings account

On XX/XX/2023, I received information that XXXX XXXX, a Director at Bank of America located XXXX XXXX XXXX XXXX, XXXX, NC XXXX had accepted monies in exchange for debiting the exact amount of my payroll check from my account using my debit card number. The person ( s ) she colluded with had also sent her copies of my debit card and driver 's license. To avoid this illegal debit, I contacted Bank of America customer service the same day and froze my account number XXXX to avoid any debits and informed them that I would go to the branch to open a new account. 

On XX/XX/2023 I opened a new account but was not able to transfer the funds to the new account until XX/XX/2023. As a result, my mortgage was paid late. Because XXXX is a Director with Bank of America, she has access to all of my banking information. Therefore, my efforts to protect my account are futile at best. 

On XX/XX/2023, a complaint regarding this matter was submitted to the Federal Trade Commission, report number XXXX. 

I've recently received communication that she has made a duplicate copy of a pay stub and as to what the plans are for it, I am unsure. 

As a consumer, I should be able to trust the personnel working at the bank. Please open an investigation into XXXX XXXX and her handling of funds especially in regard to my account. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I utilized my employers Values in XXXX XXXX to cash in on employee rewards I have accumulated in my 6 years with the company. I selected the option of receiving a {$500.00} XXXXXXXX XXXX XXXX XXXX  Account and a {$200.00} XXXX XXXX XXXX XXXX account. for a Total of {$700.00}, which was included in my XXXX for my income in XXXX and considered a part of my compensation. I have tried multiple times to get access to my money to get new cards issued and I have not had any success. 

I recently ( XX/XX/XXXX ) tried to log into my account and use the credit cards, both of which have " Expired '' as of XX/XX/XXXX. The https : //www.myprepaidcenter.com/my-cards says the company will reissue the card and your value if you call customer service. I have tried to contact and reach customer service over a dozen times. The company 's call center provides you with recordings that change your wait time sporadically ( you start out with 50 min go to 30 then back to 50 ) and ultimately you do not get to speak with anyone. Alternatively, I have tried to call the BlackHawk network, one of the companies directly listed on Myprepaidcenter.com, and XXXX, which is claimed to be the issuing bank for these gift cards. I have gotten nowhere to receive my funds. 

In addition, according to FTC guidelines cited on the FDIC website, this gift card violates FTC laws. I have been charged fees, but it has not even been a year. It also expires in six months, which does not comply with FTC laws. " Under the law, a gift card can not expire until at least five years from the date it was activated. The law also places general limitations on fees. For instance, the card issuer can not charge a dormancy or inactivity fee on a gift card unless there has been no activity for one year and the card clearly states its policy toward that fee. In addition, some states have separate laws that provide added protection in certain circumstances. '' Here are the three websites in question I have tried contacting customer service at in connection with these prepaid employer gift cards : The prepaid Gift Card Account is through : https : //www.myprepaidcenter.com/my-cards The Issuing Bank ( according to the Myprepaidcenter.com Website Fine Print ) For XXXX privacy policy, visit https : //www.metabank.com/privacy-policy. 

The Marketing Network : For patent information, visit blackhawknetwork.com/patent.
Product: Checking or savings account

I made a transfer by mistake and immediately contacted revolt to recall the transfer. After speaking with several agents that instructed me to unsend the transfer or recall the transfer They stopped responding when I sent them screenshots of the recall transfer option not working. You click it but nothing happens. As for the unsent option it does not exist. This is when communication stopped each time even when I sent an excerpt from your website clearly saying that I had the right to cancel within 30 minutes they did not respond
Product: Debt collection

Between XXXX XXXX XXXX, Ive notice multi things in my name that I haven't applied for or ever even heard of addresses with my name attached that Ive NEVER lived at. Even with some inquiries. My husband that I was trying to divorce may have been using my identity before he passed due to XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 Hyundai MotoXXXX XXXX responded to an compliment I had filed with the XXXX XXXX XXXX, in their response they said and I believe under Oath they had done nothing wrong had explained this to me and that the problem was mine and my fault and they excepted no responsibility. 

Their response was a Lie to your office and I hope your hold them accountable. 

I have an email from there Corporate office that says they did in fact make a mistake with my account and that they fixed the mistake after reviewing my account, Im in the process of filing suite but in the meantime I would like their lie addressed.
Product: Credit card

my name is XXXX XXXX and i received a notice from XXXX XXXX SERVICES XXXX DEPARTMENT INDICATING THAT I OWE XXXX TO HOUSE HOLD FINANCE. I HAD SETTLED MY ACCOUNT WITH HOUSEHOLD FINANCE XXXX YEARS A GO. THEY FILED A LAWSUIT AGAINST ME AND THROUGH AN ATTORNEY SETTLED THE MATTER AND THROUGH MY XXXX XXXX XXXX ACCOUNT AT THE TIME I PAID IN FULL THE SETTLEMENT AMOUNT THAT WAS AGREED UPON. NOW AFTER XXXX YEARS PLUS THEY HAVE DECIDED TO REFILE AND BREACH WHAT WAS AGREED UPON AT THE TIME AND SWINDLE MORE MONEY WHEN THE SETTLED AMOUNT WAS PAID IN FULL AND THE MATTER WAS CLOSED. PLS HELP ME WITH CLEARING THIS MATTER OFF MY NAME. I HAVE PAID THEM IN FULL AND THIS MATTER WAS SETTLED OVER XXXX YEARS AGO.
Product: Credit card or prepaid card

XX/XX/XXXX Statement attatched. USAA temporary credits listed XXXX+XXXX+XXXX+XXXX+XXXX +XXXX+XXXX+XXXX+XXXX+XXXX+ XXXX+XXXX+XXXX+XXXX tto begin the investigation HAVE NOT BEEN MADE PERMANET CREDITS JUST TEMPORARY TOTAL {$320.00} ( TOTAL PAYMENTS AND CREDITS this period {$450.00} ) AS TEMPS ARE NOT PERMANET APPLIED TO BALANCE YET ALL DATED XX/XX/XXXX. USAA REVERSES TEMPORARY CREDITS NEVER APPLIED TO BALANCE AS PERMANET CREDITS ( MAKING TEMPORARY CREDITS BECOME NEW CHARGES ) in amounts XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} Credit Reversals of USAA TEMPORARY CREDITS to begin investigations and they ARE NEW CHARGES??? See attatched XX/XX/XXXX Fraud Letter of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL THESE FRAUDS HAVE BEEN DISMISSED.?? IGNORED?? TOTAL {$150.00} FRAUD DISMISSED NO RESOLVE. NONE OF THESE TEMPORARY CREDITS APPLIED TOTAL CREDITS {$450.00} CREDITS APPLIED this period USAA MAKES PERMANET CHARGES OUT OF BEGINNING TEMP CREDITS in amount of {$160.00} AND DISMISSES CREDITS OF {$150.00}??? USAA DOES NOT RESOLVE FRAUD AND CREATES NEW CHARGES OUT OF TEMP CREDITS ALL USAA CREDITS ARE HIDDEN INTERNALLY FROM CONSUMERS VIEW.
Product: Credit reporting

XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA Section 809 they have not properly validated the debt, and it should be removed from my Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to validate a bankruptcy on my Lexis Nexis report. As we all know, the bankruptcy courts DO NOT comply with credit reporting agencies. Who gave you permission to report on my behalf? Where did you get your information from at the courts? I want their name, number, email, address and department information.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Mortgage

Mortgage loan LTV reached 80 % in XX/XX/XXXX. My husband and I requested a PMI cancellation, in writing, to the company. They then sent a letter to use stating the need for a BPO to determine the current home value. At this time, the representative stated that when PMI is cancelled, since it would take a few weeks to review, we would receive a reimbursement for any unnecessary PMI we have paid. Instead of having the BPO completed, in XXXX, we made an additional payment, bringing the LTV below 78 %, at which point, the website states that PMI will automatically be terminated. PMI continued to be applied to our payment. On XX/XX/XXXX, after I had not heard back from the company twice after submitting e-mails through their website, I spoke to a representative at the company by phone regarding PMI cancellation. They stated that a work order had to be submitted in order for PMI to be cancelled and we would hear back by XX/XX/XXXX at the latest, but likely sooner. After not hearing from anything or receiving documentation, I called the company on XX/XX/XXXX, who stated that they sent the letter on XX/XX/XXXX ( we had not yet received it ) stating the need for a BPO but  that the work order was never actually investigated. After I reminded the representative that the BPO was not required once the LTV was below 78 % ( per the Homeowners Protection Act of XXXX and their website that states automatic termination ), the representative supposedly spoke to a supervisor. They then said that a new letter would be sent out with the next 7 days confirming cancellation of PMI. As of today, XX/XX/XXXX, PMI is still applied to our account and we have not received a letter regarding PMI.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XXXX - deposit $ XXXXUSD from personal bank into coinbase XX/XX/XXXX - receive email ( my email is XXXX ) that money will be deposited into coinbase account within 2-4 days XX/XX/XXXX - $ XXXXUSD withdrawn from personal bank XX/XX/XXXX - still no trace of money - transaction status states " pending ''
Product: Checking or savings account

Around XX/XX/2020, we contracted a man to change our sliding back door. We made two payments for XXXX each a total of {$1600.00}. the first payment was made via check XXXX on XX/XX/2020, and the second and final check # XXXX was made on XX/XX/XXXX XXXX. 

At some point the man deposited the checks to his account with XXXX XXXX. I was debited on {$800.00}, then {$8000.00}. A total of {$8800.00} We discovered the huge discrepancy and called bank of America on XXXX, asking them to acknowledge and credit back {$7200.00} into my account. Received a letter from BOA saying that the amount of {$7200.00} was reversed into my account. Subsequently BOA debited the {$7200.00} from my account and they refuse to credit that amount back. It was a big bank error. I have called BOA many times and they first say that they should of caught this, then when they transfer me to another department they tell me they can not do anything to reach the man directly to get my money. The man does not answer my calls. 

On XXXX, we had an attorney send XXXX and BOA a letter, explaining the situation and to contact me directly to resolve this matter. As of today, I have not heard from either banks to help me with this. I am retired, my husband works very hard to provide and we don't have much left in our savings. We are asking to please look into this Thank you, XXXX /Spanish preferred
Product: Credit card

I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have applied for several rental homes. We paid the property management a background fee. After applying for three homes we inquired why are we being turned down. I found out that they are putting everyone in the US that has my first and last name and with my date of birth on rental record. They did not verify social security, middle name or initial. I feel I have been discriminated due to my race and the fact that I have a common name. I do not have anything criminal on my background nor have every been arrested or have been on any XXXX XXXX  list.
Product: Payday loan, title loan, personal loan, or advance loan

The information reported is incorrect. 
The date opened and the amount are both incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$340.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Having to submit & resubmit documents to Pentagon Federal Credit union because of totally incompetent " Contracted-out '' loan processing personnel