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

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights.

Details of the Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



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

I got an Experian inquiry alert on XX/XX/year> about Wells Fargo running a hard inquiry for the credit card. But I haven't applied for a credit card in the past few months. Also, I don't have any bank or credit account with Wells Fargo. I contacted Wells Fargo three times ( XX/XX/year> 8 % XXXX AM, XXXXXXXX XXXX, and XXXXXXXX XXXX  ) about this issue, but the reps found no inquiry record. I can't ask them to help me withdraw the inquiry.
Product: Checking or savings account

XX/XX/XXXX : Opened a Citibank account after seeing a poster that said I would receive a XXXX  {$200.00} XXXX cash bonus after depositing at least XXXX {$5000.00} XXXX  of new-to-Citibank money into a new Checking account within 30 days of account opening, and the balance must be maintained for 60 days. The bonus will then post within 90 days if the account is in good standing. 

XX/XX/XXXX : XXXX XXXX {$100.00} XXXX cash into my new Citi XXXX account due to the required opening deposit at the branch. XX/XX/XXXX : Initiated transfer of { {$4900.00} } into my new Citi Checking account and e-mailed banker to activate the promotion in my account XX/XX/XXXX : Deposit of XXXX {$4900.00} XXXX  via ACH from XXXX Bank posts into my new Citi Checking account : Account balance in Citi Checking : XXXX {$5000.00} XXXX On XX/XX/XXXX, I e-mailed my personal banker at Citi to see why the bonus had not been received. On XXXX, I received a return call from my personal banker saying that my account was ineligible for the bonus since the {$100.00} cash from my opening deposit does not count as new-to-Citibank money, and only ACH, wire transfers, and checks from other financial institutions count as such money. I visited another branch and was told that they could not see any promotion on my account, and thus they could not find the promotion code to open a dispute for the promotion. I was never made aware of this unusual definition of new-to-Citibank money, and the cash came from my pocket and was not previously deposited in Citibank, and therefore it should be new-to-Citibank money. They falsely advertised their promotion by failing to clearly disclose the terms of the promotion, and my account is 100 % eligible for the XXXX {$200.00} XXXX bonus. I am attaching : -E-mail 1 I  received on XX/XX/XXXX showing that I am signed up for the offer by my banker -Screenshot 1 Terms of identical offer at the current time -PDF 1 Account statement for first month I appreciate your help in advance, thank you.
Product: Money transfer, virtual currency, or money service

I had a XXXX refund and a XXXX payment to me in the account wallet I went to check today because my regular payment is due and its missing
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Debt collection

on XX/XX/XXXX, this company put a lein on my bank account. AND HAS STOLEN MY WAGES FROM IT TOTALING {$1000.00} through a so called judgement that they said they recieved against me XXXX yrs ago that i have no recollection of being served any court orders to appear. i immediately sent the attorney debt validation letters to validate the alleged Debt. they did not respond with any answers to the validation questions on the letters. tracking XXXX XXXX XXXX XXXX, XXXX, XXXX THEY REFUSE TO RESPOND WITH ANY ANSWERS. 
this alleged judgement NEVER reflected on any of my credit reports after said judgment was ruled against me ON XX/XX/XXXX for a non appearance .since then I have sold the home where the address of the alleged judgement was placed against me 7 years after the alleged judgement was placed against me with no leins showing at settlement. i have also been able to lease, purchase new automobiles with no records of any leins againt me, purchased another home with no leins against me.
Product: Debt collection

Have repeatedly tried to contact them about reaching a settlement with no actions taken to reply. They will simply not reply.
Product: Mortgage

XX/XX/XXXX, I was finally able to obtain a BOA Loan History that both BOA and XXXX refused to ever provide me with to prove the necessity to charge me for XXXX late fees when at BOA I was only aware of XXXX loan payments having ever been subject to late fees while BOA serviced my loan. _________________ XX/XX/XXXX I called BOA to seek information about a reversed XX/XX/XXXX loan payment made within a larger payment XX/XX/XXXX, to which without my knowledge from XXXX to XXXX was reversed by BOA. It appears XXXX then their XXXX and beyond legal counsel both knew of this reversed payment and never mentioned it to me while I fought to seek the cause of an alleged missed XX/XX/XXXX payment at XXXX I paid in full on XX/XX/XXXX. During this recorded call with XXXX, which I have noticed BOA to retain all calls, servicing notes and other documents related to their loan XXXX - at XXXX minutes and XXXX seconds, XXXX claimed a payment made XX/XX/XXXX was the returned and reversed payment, yet this XX/XX/XXXX loan payment was not ever recorded to be reversed and so it appears because the XX/XX/XXXX loan payment was never recorded, BOA chose to reverse my paid and cleared XX/XX/XXXX loan payment. The reversal was for a never recorded XX/XX/XXXX loan payment not for XX/XX/XXXX or XX/XX/XXXX. When I made my XX/XX/XXXX and XX/XX/XXXX loan payments together on XX/XX/XXXX, BOA materially misrepresented them as paid for XXXX and XXXX inaccurately. ____________________________ Neither XXXX  nor BoA will accurately reassess the loan payments months to which they were all inaccurately allocated for XXXX  months from XX/XX/XXXX to XX/XX/XXXX ( a payment XXXX claims was never made. ) XXXX XXXX of BOA and XXXX XXXX for XXXX both are actively concealing the payment reversal was meant for XXXX not XX/XX/XXXX or XX/XX/XXXX, and that the XX/XX/XXXX loan payment made for XXXX and XXXX are inaccurately claimed as XXXX and XXXX, because they each have the same servicing notes as XXXX did when he contemporaneously read them to me XX/XX/XXXX, while I was being lied to by XXXX XXXX for XXXX and XXXX XXXX of the BOA Regulatory Department making all of the XXXX payments following all credited to the month before each payment was meant and intended for. I have the full original recording to which I was connected with XXXX at XXXX minutes and XXXX seconds until the end of the XXXX minute phone call but can not upload the recording because the file is over XXXX. BOA Failed to record the returned payment for XXXX, failed to record the accurate month it claimed to have reversed payment for, which has destroyed my opportunity to own a home since being forced out of my home by XXXX.
Product: Credit reporting or other personal consumer reports

I have filed a complaint against TransUnion 2 times in past 3 years each time you have it a closed it is not closed and the incorrect information is still on my report I have called emailed chatted with them recently and all they do is give me the runaround they ask me to pay XXXX for any info my dob and multiple discrepancies as well a wrong phone number are on my report I have been denied any type of credit or loan because of this and any attempt to reach them is a dead end
Product: Payday loan, title loan, or personal loan

Advised Western Finance I am not working but will make a payment once I receive some money. I have made payments prior but unable to at this time. They have been coming to my place of residence. They have been to my home 3 times the last time being XX/XX/2022. Each time I have them not to show up at my house.
Product: Checking or savings account

Hi I'm very upset on what's going with Bank of America. I put in a claim for a service I prepaid for goods in XX/XX/2021. The company randomly went out of business in XXXX and STILL did not inform a public statement that they closed. They scammed people out of money knowing they were on the brink of closing. I prepaid for goods that are not promised and not the agreement of the reason of signing up for a annual membership. My bank denied my claim and I'm trying to explain these were a prepaid transaction for goods I was supposed to receive and never will due to them closing down. I'm out of XXXX which I'm extremely upset about.
Product: Vehicle loan or lease

I have a problem with US BANK car lease. I leased a car thru the dealer and they financed me with US BANK. I had 42 month payment and a residual of {$27000.00} to pay off the car at the end of the lease to buy it off. I had a car accident XX/XX/2022 and my car got total loss. I had already made XXXX payments and I had XXXX payments remaining. XXXX payments $ XXXX residual payoff {$27000.00} totaling= {$37000.00} My Insurance paid US BANK {$49000.00} and they profited {$11000.00}. 
They sent out a check to me for overpayment of only {$1000.00}. While US BANK profited from my accident, I had to purchase a new car at a higher rate and gave me financial loss. They should have only taken what was owed to them with the contract they had with me was the remaining payment plus the payoff to take the car. 

I did not break the lease I had paid upon agreement and was unfortunate to have a car accident. Now, I am paying extra to get another car and has put a burden on me financially.
Product: Debt collection

XXXX XXXX XXXX ( 01 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX  and Equifax. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( XXXX XXXX ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.
Product: Debt collection

My consumer laws are being violated. I do not know this company nor do I have an account with this company. Nor do I owe this company anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has repeatedly reported incorrect balance on XXXX XXXX credit despite filed dispute of inaccuracy of account balance. As of XX/XX/XXXX XXXX and XXXX report the correct balance, but Transunion has continued to report correct balance reflected on XX/XX/XXXX statement. This has been the basis of its credit scoring.
Product: Credit card or prepaid card

XX/XX/2022 balance owed on my Card was {$170.00}, I paid this in full on XX/XX/2022 resulting in a XXXX balance. 

XX/XX/2022 XXXX charged interest on a XXXX balance of {$1.00}. 

XX/XX/2022 XXXX charged interest on the interest balance now {$3.00} XX/XX/2022 XXXX charged interest on the interest balance now {$7.00} etccc, XXXX is charging me on a interest fee that I do not owe. I was not aware of these interest charges. per XXXX I now owe a total of {$31.00}. XXXX  now reported this as delinquent to the credit bureau. My XXXX XXXX has dropped XXXX points. This is not right. Please help. I have proof of payment. I dont know what else to do. I called XXXX and they say I owe the interest. I do not feel that I owe this. How can I be charged on a XXXX balance. 

I have called and asked to speak to a XXXX two times and both times I was hung up on.
Product: Credit reporting or other personal consumer reports

Someone stole my new debit card from the mailbox. They activated it and stole money. 
They somehow have my social security number too probably due to the XXXX leak. I called Experian to have them put a freeze on my account and mark my account with a XXXX XXXX. They supposedly did and said they would send me an access Pin in the mail. However, I realized after I hung up that if they send me a access PIN in the mail it will likely get stolen since someone is stealing my mail. This is how my debit card was stolen in the first place. I've been trying to call Experian back to ask them not to send me a PIN through the mail. This pin XXXX give these thieves access to more of my information. Experian has decided they do not need to answer any calls from consumers unless they need a XXXX or a credit fraud alert added to their account. I assume it is the law that they have to be available for fraud alerts and freezes. Since I already have XXXX placed on my account there is absolutely no way to talk to a live person. They have control of my credit and they refuse to transfer my call to a live agent. They refuse to speak to consumers.
Product: Bank account or service

Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  credit cards ( 2 credit cards ) and XXXX XXXX XXXX has accounts on my credit report that are being fraudulently reported.
Product: Checking or savings account

My {$4900.00} in CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. Cash App is not providing the email of XX/XX/2023, which they are alleging to have sent me. Ask Cash App to send me the alleged email of XX/XX/2023, via CFPB This complaint has new information. Do not close this complaint as Duplicate. My phone # is XXXX. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXXXXXX XXXX XXXX 
This failure to provide debt validation within the required XXXX period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX XXXX  Addresses ). 
Given that XXXX XXXX XXXX  did not validate this debt within the legally required timeframe, I hereby demand that Equifax immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Reported Balance : {$11000.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the consumer reporting agency isnt removing the accounts in question along with incorrect and inacurrate addresses.

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

I have sent 3 checks to American Express Card from XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX All Checks sent to pay American Express Card ending in XXXX XXXX has sent me Proof Of Payment, and I have sent it to American Express American Express says they can not find/identify my payments.
Product: Credit reporting or other personal consumer reports

I listing XXXX inquiry Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/year>. Listed inquiry do not belong to me must be removed from my Transunion Credit Report. I had a call with company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Report.
Product: Debt collection

on XX/XX/2021, i sent a letter to SOURCE RECEIVABLES MANAGEMENT for a alleged balance of {$1300.00} that i do not owe.i never did business with them and dont know why its reporting on my credit report.
Product: Mortgage

My loan was originated and serviced by TMS in XXXX of 2019 and then sold to XXXX XXXX in XXXX of 2019. I have made a payment to XXXX XXXX on XX/XX/2019 for XXXX using my bill pay from checking account and the payment was received and reflected on the account/statement. On XX/XX/2019 my loan was transferred back from XXXX XXXX to The Money Source according to an official letter that I received from XXXX. I have made a bill pay from my checking account to XXXX on XX/XX/2019 but the payment was rejected due to the transferring process, so I have made a payment to The Money Source on XX/XX/2019 after the transfer was supposed to be completed. When I called TMS to confirm the payment was received they claimed my loan was never received from XXXX and told me to make a payment to them, I had to email them letter from XXXX to onboard my own loan. Once they onboarded my loan they stated they dont have my XXXX or XXXX payment, I had sent TMS multiple documents showing that payment for XXXX was made to XXXX and that I have sent payment to TMS on XX/XX/2019 using bill pay. After 2 weeks they finally found the payment that I made on XX/XX/2019, but applied it to XXXX. I have been waiting for them to research for more than 2 weeks that I have made my payment to XXXX for XXXX. In the meantime they sent me a delinquency letter and put a mortgage late on my credit report. Both of which are erroneous. I have spoken to XXXX XXXX, XXXX, and XXXX from servicing of TMS and they are saying that the issue is being research. While they are researching the issue they are issuing false mortgage lates to credit report and delinquency letters. There is a 60-day waiting period to issue any sort of delinquency after a transfer of the loan has occurred and TMS has grossly violated my rights.