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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$300.00XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$470.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$9500.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Mortgage

We had a Mortgage company we had never heard of FCI and told us they were foreclosing on our house of 14 years we called and found out they had bought our second from a Company we believe had closed down in the Mortgage crisis 10 years ago. They told us they would remodify with a down payment. I told them I would be able to give them XXXX dollars at that time the said they would remodify loan down 1 percent to XXXX. My father got sick and I could only come up with XXXX so they told me they wouldn't bring interest rate down. I paid the XXXX and right after made a XXXX dollar payment. They also told me that if I didn't make payments through their Automatic payment site it would cost me XXXX. I feel this is a predatory lending Co that needs to be held accountable and the government needs to know what is going on. I had to sell my home because they wouldn't help with a better remodifocation.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experians is selling a service called experian works where you can view credit report for all 3 bureaus. I paid for the service XXXX XXXX XXXX and have been unable to see my report for XXXX as well as XXXX when I called experian I was transferred to the dispute department because they said my address was missing the apartment number and said that it was updated and I should see my trans and XXXX in 48 hours. Well today XXXX XXXX XXXX I still am not able to see because the agent updated with incorrect apartment number. This is extremely frustrating to pay for a service you cant use. Please help
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from my XXXX XXXX XXXX " XXXX '' who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX. I am not liable for this debt with consumer energy. I dont Not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX XXXX Balance Owed : {$15000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX Balance Owed : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An incorrect negative statement was filed by XXXX Credit Card. I protested to them and filed a complaint with Experian and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!
Product: Checking or savings account

I'm a XXXX Veteran and a XXXX American and I received this email below from my bank ( Capital One ) after I made this deposit into my bank account .... This is a Federal Government check and I believe this type of service and response is despicable from a bank that receives a XXXX Federal Government Check! They literally told me I would have to wait 60 days?! My bills won't wait that long!!! ... ... ... ... ...... 


XXXX, After reviewing your check deposit activity on XX/XX/2024, for your account ending in XXXX, the availability of {$87000.00} has been delayed until XX/XX/2024. 

Based on confidential information we believe that XXXX or more of the check deposits may not be paid. 

You don't need to take any action. If the funds don't return, they'll automatically become available on XX/XX/2024. 

Here are a few other important things to know : Any interest, if applicable, will accrue normally starting the first business day after a delayed deposit posts. 
If you transferred any money or directed us to divide money between the account listed above and other Capital One accounts, we XXXX place a hold on the money in those accounts associated with this transaction activity. 
You'll be refunded any interest or fees that we XXXX have charged you due to this delay. 


If you have any questions, give us a call at XXXX, XXXX XXXX XXXX XXXX. and Saturday XXXX XXXXXXXX XXXX XXXXXXXX. We'll be happy to help you. 

Thanks for choosing Capital One Products and services are offered by Capital One , N.A., Member FDIC. 2024 Capital One. 



The information contained in this e-mail may be confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer. 




Reply Forward
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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: Money transfer, virtual currency, or money service

I am XXXX in XXXX XXXX veteran with XXXX surgeries. Well Fargo gave someone {$80000.00} out of my checking to someone and to another bank. Someone sent my check and no signature to wells Fargo. Wells Fargo gave the money to someone without proper support paperwork. I nee the name of bank and person making the transaction. it has been XXXX months since my first complaint and no money or explanation. It is time for wells Fargo to stop stealing old retired XXXX  veteran who has a XXXX and can not read. Wells Fargo is so big they can do anything with no consequences. This is a case of theft from a XXXX abuse and they do nothing.
Product: Credit reporting or other personal consumer reports

Loan Depot located in XXXX, PA has pulled a hard pull on my credit report without my permission on XX/XX/XXXX. I initially spoke to XXXX XXXX ( Loan Officer ) on XX/XX/XXXX, and specifically confirmed that my credit would NOT be a hard pull and he promised this would strictly be a soft pull ( as one other lender had done for me at that point ) and that I did not have all of the details I needed to move forward in order to be justified to do a hard pull. I could not have been more clear, and repeatedly he confirmed this was only a soft pull. 

He asked I send him my Drivers License, XXXX tax returns, and pay stubs to review to just give a general idea of my eligibility at first glance. This was provided to him on XX/XX/XXXX, and I followed up on XX/XX/XXXX after not hearing back. The call was not answered, and he immediately texted me he would call back in 30 minutes. Immediately after the text, I received an alert on my credit tracking apps showing there was a hard pull on my report. 

I texted him immediately and asked why he had pulled my credit on a hard pull after I was blatantly clear that I was not okay with doing so or moving forward until I had the info we discussed. He called immediately at that point, and claimed he did not understand that. He flat out lied in both conversations, and in this call tried to deflect by stating the government wants at least XXXX credit pulls from different lenders when applying for a mortgage. Yet again, I responded with stating I never was applying in the first place as I didnt even know I was moving forward with the purchase of the house and didnt even have a purchase price to give him. He then tried to deflect again and said this only stays on your report for 120 days and falls off and this will not affect your score. It absolutely does, and it DID. Both of these statements he made were made via text and phone call, I do have these saved. 

Again, I couldnt have been more clear with him. He then outright said I would be preapproved based on what information he had trying to deflect the actions he made, then later in the conversation stating the complete opposite and said he needed my XXXX tax returns because based on my XXXX returns I did not qualify. 

I will be disputing this credit inquiry, of course. Loan Depots practices are disgusting and shady. Im now extremely uncomfortable they have any of my information at all. I will be reporting them everywhere and anywhere possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, TRANSUNION XXXX XXXX XXXX RE XXXX XXXX acct. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit reports You are reporting a late payments .and accordance with the fair credit act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

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

This is my 3rd and final time disputing this report and inaccurate information remains on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.

5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.

6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. 
Procedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.
Product: Credit reporting

The credit reporting agency has been compiling my information into some other person 's credit report and they tell me that I do not exist in their system when I give my social security number, name and address. The account that I found out about, is showing in a relative 's credit report for only XXXX credit reporting agency and the other XXXX credit reporting agencies are not having this problem at all. Among myself and my relative, we discovered that this particular credit reporting agency has been mashing our credit information together in a file under my relatives report and showed my name as " formerly known '' with current address and name, a similar name with spell in-corrections and all other sensitive data that was creating false extra credit towards my relatives credit history. Myself and my relative have called the credit reporting agency together and discussed this matter, to separate our data and they gave my relative a credit dispute file. The credit reporting agency representative also told me that they were creating a separate file with my information, since myself and my relative were both giving the agency separate and accurate information about our credit data. After 30 days, my relative 's credit dispute was acknowledged as complete. When I called the credit reporting agency, they ( the credit reporting agency ) told me that I do not exist in their system at all and I will have to call any company that I am involved with for credit data to re-report any credit data all over again or for myself to send in personal sensitive documents including : social security card, payment bill showing information, driver 's license, etc ... .., in which I have never had to do this for any credit reporting agency that I am aware of. I have been working on this issue for quite some time and it has really been hard on myself when it comes to getting any financial credit in good standing when I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX5 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Wells Fargo XXXX XX/XX/2021. Attached is also proof of delivery.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I do not feel safe to use Zelle anymore.
Product: Mortgage

XXXX of XXXX I was notified by our Insurance carriers that the mortgage company had not issued payment for renewal of our insurance policies - Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided them with the information I had for our servicing company. I then received a notice in XXXX that policies were cancelled due to lender non payment. I tried calling our lender and was not able to reach anyone to determine what was going on. I was finally able to reach someone that informed me that our loan had been sold back in XXXX of XXXX. I was never informed that the loan had been sold nor had I received any kind of welcome letter or transfer letter of any kind. I then come to find out that our automatic payments also stopped during that time. In XXXX I was finally informed who the new services was and tried several times to log in online as I was unable to reach anyone by phone with no luck as I did not have the new loan number. Today I received a call indicating that all I needed to do was send in my insurance information and payment would be issued. They did not seem to understand the issues that arose from all of this. Automatic payment were not drafted as needed - Insurance was not paid as required - Monthly billing statements were never provided - a notice of transfer of servicing was never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked XXXX to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to XXXX, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and  they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told XXXX that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called XXXX  I was given false information by one of their costumer reps. Now XXXX is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that XXXX doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to XXXX by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. XXXX isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the XXXX, XXXX XXXX XXXX.