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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Funding Date Opened XX/XX/XXXX Balance {$430.00} FST PREMIER Date Opened XX/XX/XXXX Balance {$660.00} XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX  Date Opened XX/XX/XXXX Balance {$340.00} **Inquiries** XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Government ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my credit score in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " XXXX  days late, '' as it is FACTUALLY INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found a derogatory account with AFNI reporting with an opening date of XX/XX/2020 per XXXX XXXX and XXXX. This company failed to verify this collection although they have a statement listed on my report of verified. This is FALSE. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, AFNI has violated my rights as a consumer by listing this account on my credit report and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

I was supposed to be paying XXXX car rental company a weekly payment for the rental I had that I was using for XXXX. I am a customer of Wells Fargo, Wells Fargo each week would deem the payment from XXXX car rental as a potential fraud and decline it, while acccepting all other payments that I was making to my debit card. XXXX car rental just like XXXX, proceeds to deposit and then withdraw into the bank account over 24 hour period which I thought they were doing. Wells Fargo was denying the payments until it became one lump sum payment and before my account was nearly below {$200.00}, in which after at their discretion, Wells Fargo proceeded to overdraft the account by over {$1900.00} without my consent, and left me in a hole by hindering my XXXX XXXX because I had to return the car I thought I was paying for it. I started talking to Wells Fargo complaint center earlier this week about this issue and they further perpetuated the issue and made it worse as I just saw this morning that XXXX withdrew another payment from my account at the discretion of Wells Fargo with Wells Fargo knowing that this is in the process. Wells Fargo is openly committing this fraud. Wells Fargo is continuously allowing XXXX. to withdraw funds from my checking account, even though I dont have the available funds. Wells Fargo knows that Im in the process of reporting them for this fraudulent activity. It goes against the overdraft protection rules. Wells Fargo is literally sabotaging my life financially, and there continuously allowing this activity to happen even though its against the law and they dont have my written affirmative consent to overcharge. I have evidence of all of the fraudulent activity including the executives in the complaint center avoiding answering my questions. 

I have all the evidence the CFPB will need to prove that Wells Fargo is committing this fraud against me. Please contact me at XXXX, and my name is XXXX XXXX. 

Thank you for your help, XXXX
Product: Credit reporting or other personal consumer reports

Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. 

I did not authorize these inquires below that are reporting on my Experian credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX  XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Also I have numerus number of unauthorized inquires on my XXXX report. 

I did not authorize these inquires below that are reporting on my XXXX credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX  on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX
Product: Mortgage

On XX/XX/XXXX I changed my insurance carrier from XXXX to XXXX I spent an hour with the Rep going over all the details..In XXXX of XXXX I received a letter from 53rd Bank/mortgage in reference to missing Hazard/Fire/Real Property..I called XXXX to find out what was needed and was told to submit a Letter of Certification of Liability Insurance in which I emailed to them XXXX XXXX XXXX XXXX included with my monthly mortgage payment was a larger than normal amount due..I called 53rd Bank only to be told that I had a lapse in insurance coverage from XX/XX/XXXX to XXXX XXXX then contacted XXXX so that I could email 53rd Bank my proof of coverage and after they reviewed it informed me that I was given a HO3 and not a HO6 which was the correct coverage..This situation was clearly a case of miscommunication at my expense and I was forced to pay triple the amount of insurance coverage having no idea that I was given the wrong policy the amount was XXXX! I was devastated and reached out to several representatives from 53rd Bank to no avail..On XX/XX/XXXX I requested to have my Escrow account be removed and was denied stated that it was because of the lapse even thought it was a miscommunication XXXX of XXXX I again put in a request of Escrow removal and XXXX I was denied stating that they recently had to cover my insurance lapse?? I have been with XXXX Bank for several years and have never missed a payment or have had any issues with insurance coverage.
Product: Checking or savings account

I sent via electronic transfer {$100000.00} to US Bank, XXXX : XXXX on XX/XX/XXXX. US Bank created the XXXX # XXXX on XX/XX/XXXX that would come due on XX/XX/XXXX. On XX/XX/XXXX I contacted US Bank with instructions to redeem the CD plus interest earned. Since I had opened the account with electronic transfer, I requested my funds due to me via the same method. US Bank advised me that they would only send a Bank Check via the postal mail to my home. I checked several times with US Bank as to the whereabouts of the check and they noted that they mailed in on XX/XX/XXXX, some 8 days later! The check finally arrived on XX/XX/XXXX with no additional interest.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries on my credit that report that need to be removed immediately. 


EQUIFAX MORTAGE SER 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hi thank you for your time. I applied for Discover it Student card on XX/XX/XXXX. When I was applying for it, Discover it never listed what kind of the address proof documents they accept. The result is, after my application, I was asked to provide immediately the proof of address I don't have. They only accept limited kind of documents and I don't have all of them. I have contacted them to discuss whether they accept other official government-accepted address proof, but I was rejected chillily. Also, I discussed with them whether they can extend my application, so I can apply for the exact document they required. But I was rejected again, chillily. They said they will decline my application unless I provide my address proof right now. And I was told that my credit points was already affected, because after my application, they pull my credit report immediately. They really should list what kind of documents they accept before the application. I lost my credit points for nothing.
Product: Mortgage

Good Afternoon, I changed my flood insurance. The mortgage company ( PHH Mortgage ) paid on my new policy and my old policy even though the old policy was cancelled and did not request any money. The mortgage company shared they were trying to be proactive in making this unsolicited payment for {$3000.00}. The old flood insurance company confirmed they had not received a check and, even if they did they would send it back to the mortgage company as they no longer have an active account with me. The mortgage company is advising the check will be refunded to me from the cancelled insurance broker and i need to supplement the escrow account by {$3000.00}. I do not understand why this uncashed check can not be cancelled and the funds returned to my escrow account. 
At this time I've lost {$3000.00} and have been asked to pay an additional {$3000.00}. I feel discriminated against as a single woman / mother where i am being victimized into paying twice by this company. 
All guidance and help in addressing this issue is very appreciated. 
Sincerely, XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

- Unauthorized transaction on : XXXX XXXX XXXX  - Amount of money : XXXX XXXX  ( About {$6700.00} USD ) - Company involved : Coinbase Case : I'm an investor in XXXX and had about $ XXXX worth of XXXX in my Coinbase Wallet. I'm not an active trader so I usually check my account about once a month. 

When I checked it a few days ago on XX/XX/XXXX, I saw almost all my assets were gone and the transaction history showed that on XX/XX/XXXX, XXXX XXXX was traded away to an unknown account without my authorization. 

I didn't get any notification from coinbase ( the company ) on suspicious activities or the transaction, so I immediately contact their support team on XXXX. 

After explaining the issue, Coinbase 's response was simply that the transaction was done and irreversable, which I understand. Then I asked them to check if anyone logged into my account on XX/XX/XXXX, and their response was that they didn't have any details on it. 

In brief, Coinbase refused to at least try to resolve my issue while clearly the company failed to notify me on the suspicious loggin and the unauthorized transaction, which eventually led to my lost.
Product: Debt collection

This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$910.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt or credit management

My business profile was removed for not violating any rules and they kept charging me every month for services not provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ended my membership with Experian, because its a ridiculous concept to pay someone who virtually stalks me. Now there is a constant banner in the app for XXXX that reads When your subscription ends in __ days, youll no longer be able to lock or unlock your credit report. With a large button underneath labeled [ Keep your subscription ]. 

Its a deceitful sales tactic to push people into maintaining a paid-for membership with them when legally if you ask them to freeze your credit report, they have to comply - free of charge. Its predatory, its misleading, and its wrong.
Product: Credit reporting or other personal consumer reports

I had a buy now pay later loan with XXXX  I lost job couldnt pay the account went to collections. I paid the collection amount in full and still as of XXXXXXXX24 it shows on credit report I owe even tho I have contacted XXXX  and the collections company with documentation proving collection was paid they will not update reports l
Product: Checking or savings account

On XX/XX/XXXX I deposited my son check into my bank acct for XXXX it was his state income tax check after I deposit the check the bank closed my acct the next day and told me it was closed because I haven't used my account in a few months and told me the check was rejected and I can cash the check somewhere else when trying to cash the check at another bank the check was rejected so me and my son got on the phone with the issuers of the check which is the Illinois state comptroller who issues these state refunds and was told the check cleared at chase bank on XX/XX/XXXX th XXXX  and they can't issue a new check because chase has the funds now chase is saying they don't have the funds and when I spoke to a supervisor with chase she told me the account was closed because it was suspected fraud so I went into the bank to tell them it was my son check and it wasn't any fraud and the comptroller who is the issuers of the check send me a email showing the check was cashed and cleared by Chase bank I just need to give my son his money we are already having a hard time financially and he needs his money my son name is XXXX XXXX he signed the check over to me my name is XXXX XXXX the check number is XXXX issue date XX/XX/year> they should not be able to just take Someone hard earned money Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures should be put into play might not be a lot of money to them but it's a lot to us my phone number is XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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: Debt collection

Transworld has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Vehicle loan or lease

There are fee on my account on payment that I didn't set up or make XXXX was even a checking account that wasn't mine that made a XXXX dollar payment .and fee of XXXX dollar that was made.i told them this wasn't done by me and the reply was we don't remove fees... 

I also need a opt out form which I haven't recieved yet also they say they don't have this form
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuing to verify Midland Fundings collection account as 120 days past late with an XX/XX/2022 late payment. This is false. I have not entered into a payment agreement with Midland Funding. Midland can not mark my collection account as 120 days past due. They are not creditors and I have no payment plan with them that would allow them to continue negatively impacting my credit with this lie.
Product: Mortgage

Our property was burned to the ground in the XXXX XXXX XXXX, CA wildfires. As a result of this loss, we received a settlement from our insurance company. We sent this to PHH Mortgage Services ( our mortgage company three weeks ago ) and have yet to receive a settlement. The check sent was close to three times the amount of what was due on the loan. According to PHH they paid the loan and the remaining balance would be distributed to us in 15 business days. This time has come and gone. First of all we have not received our payment which is distressing. Second of all, this amount vastly exceeds the loan amount so I question why the lender is allowed to hold on to the funds in their account for 3+ weeks and collect interest. Something is wrong with this.
Product: Credit card or prepaid card

Someone opened a XXXX XXXX card with Bank of America using my maiden name
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX These are illegal inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from COMENITYBANK/VICTORIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITYBANK/VICTORIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITYBANK/VICTORIA with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.
Product: Credit reporting or other personal consumer reports

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