23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have communication problems with target red card and the issuer of the card TD bank, as i seek help from both and I end up paying XXXX and I feel like the way they said they need to justify the fraud on my expense, first let me tell you as I do my best to write as cohesive as I can I might have tons of run on sentence and Im totally depressed due to the fact that target falsely reported me to credit agencies while Im trying to get help from them and in XXXX their employees told me twice that I dont need to make payment as my account under investigation well so much for that. Any way I didnt get help after the fraud was resolved but left extremely slapping account to the point made me dizzy cant understand I made purchases on XX/XX/XXXX XXXX and returned immediately as the store manager helped me to return and repurchase XXXX for Excat stuff, well when finally got hold of fraud department speaking with XXXX XXXX the fraud happened on I believe XX/XX/XXXX for XXXX and o e in XXXX in XXXX that I wasnt aver of so the fraud got fixed but she left such chaos that what ever I returned she put it back several times as purchased and returned and refused to fix target answer was they have to justify the adjustment on my expense and Im pretty much screwed said XXXX target employee and I reached out to TD bank via XXXX cause I wasnt getting help that too give me phone number that I stayed on hold several times over 1:45 or could be 2 hours I send screen shot no response no help but they wore fast to reporting me as 30 days late non payment when their own employees twice twice in XXXX told me no worries ur account its under investigation target its cheat and fraud refuse to help and they always have problems with their return cash register with receipt or on the target red card they ask for driver license and keep you accountable oh you max ur return how so when I have receipt or its on my card oh its not coming up always they have problems abusing my information hopefully someone here can hear me out over decade of being target red cardholder never been late ever and all of the sudden since they refuse to help and falsely reporting me to credit agencies. Greatly appreciate your prompt attention to this matter. Thank you. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my Experian letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- OTHER ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX, Consumer Social Security Number : ( ), Cosumer Date of Birth : ( XX/XX/scrub>XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX Date XXXX ( XXXX {$120.00} ) XXXX XXXX Date Opened XXXX ( XXXX {$120.00} ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct late open accounts and remove late closed accounts from my credit report. Despite multiple disputes, these inaccuracies persist and continue to have a detrimental impact on my creditworthiness. I request your immediate attention to resolve these issues effectively. 

I have previously submitted documentation and information to support my claims during each dispute, yet these inaccuracies remain unresolved. I kindly request that you conduct an immediate and thorough investigation to rectify these issues, ensuring that my credit report accurately reflects my financial history. 

I expect that you will complete this process within the legally mandated timeframe and promptly inform me of the resolution. 

In compliance with the Fair Credit Reporting Act, I also request a written explanation of the steps taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and continues to affect my creditworthiness and financial stability. I implore you to address these issues urgently and effectively. I am asking for your immediate assistance to correct or remove the accounts : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, NV XXXX XXXX XX/XX/year> XXXX XXXX, NV XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures. 
2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise
Product: Credit reporting or other personal consumer reports

Trans Union has FAILED to conduct a reasonable investigation in 30 days and failed to provide the results to me in 35days. 

Trans Union acknowledged receipt of my dispute on XX/XX/2023, I submitted my dispute via CFPB # XXXX on XX/XX/2023 and they sent me the results on XX/XX/2023 which is 40 Days and is a clear violation of FCRA 611 ( a ) ( 1 ) ( a ). 


The law states this account should be deleted! 

XXXX XXXX XXXX # XXXX. 

I would like to forego going to COURT but will do so if I am forced to. Delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.
Product: Mortgage

Our loan was sold to Freedom Mortgage. We have a XXXX ( k ) FHA Renovation Loan, because we purchased a historic home that needed a lot of rehab work. Our loan closed in XX/XX/2013. 

Our loan documents state that we will pay a monthly mortgage insurance premium until our home reaches 78 percent loan to value of the original purchase price, assuming we paid an up front mortgage insurance premium - which we did do ( our loan documents confirm this ). 

Freedom Mortgage requires you to contact them via email to request information about removal of Mortgage Insurance. I emailed them to confirm the process, since we are just a couple of months away from reaching our 78 % loan to value to be eligible to remove the Mortgage Insurance. They responded with a letter with one line telling me that because my loan is a FHA XXXX ( k ) Renovation Loan, the Mortgage Insurance is required to stay on for the life of the loan. I responded with more information, and have now received three letters saying the same thing.

Federal rules changed in XX/XX/2013 such that many new FHA loans DO require Mortgage Insurance for the life of the loan. But our loan closed in XX/XX/2013, and so those new rules do not apply to our Loan. 

We have not refinanced. We are nearing the 78 % loan to value and in a few months will be eligible to request that the Mortgage Insurance ( quite costly per month ) be removed, per the conditions of our loan. But Freedom Mortgage is refusing to acknowledge this. I have sent them scanned copies of our loan documentation, information on the changing mortgage insurance rules, etc. They just keep responding with the same information - a one-line response saying the Mortgage Insurance will stay on for the life of the loan, blatantly different from the terms of our loan documentation. 

I even confirmed I am right with the loan officer who secured our original mortgage. 

When you call their number they provide, the people who answer tell you that they think you are right, but that they have no ability to communicate with the people who send the letters. In fact, they say the department that sends the letters does not even have a phone number. 

I am hoping this helps others and helps us to get the issue resolved.
Product: Money transfer, virtual currency, or money service

XXXX XXXX fraud they never respond to me to give my money back
Product: Credit reporting or other personal consumer reports

Notified by XXXX XXXX XXXX of unauthorised hard inquiry to XXXX credit bureau by ONEMAIN corp in Indiana on XX/XX/24. I have contacted XXXX and informed them the inquiry was fraudulent. I have frozen my accounts at all three credit bureaus '. The company ONEMAIN can not be contacted unless one has an account with them.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history.

I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Mortgage

Bank of America wrongfully and ileagaly foreclosed an my family s home .I new nothing about this until it was already done. no certified letter. Was not in localpaper. I had payed on this house for fifteen years. Have always worked and payed my bills.the bank would always call and say I was late on my payment.after they checked they found they had applied it to another acount I had with them.I receive a letter from them saying I had abandoned the house.I did not.I call bank to see what this was about and they tell me they already foreclosed on the house and already sold at auction where bank of America had bought the house. I new nothing about this till it was over.the bank would not talk to me about this.I filed complaint with occ they say they find no wrong doing onthere part I talk to local lawyer they said since it wasalready foreclosed I could not do anything.now the courts have proof the bank robbed people of their homes. They did my family wrong stole our house and got away with it.I think they should have to make this wright with everyone they did wrong.I will not give up on this.I will send this every where I can to let the people know what is going on even to president trump
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00}.
Product: Debt collection

Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. The claim was filed on XX/XX/19. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. This bank should be investigated for its practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights. 

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

On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to Equifax asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( Equifax , XXXX  , and XXXX  ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.
Product: Debt collection

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : JEFFERSON CAPITAL SYSTEM XXXX # XXXX
Product: Consumer Loan

MarkOne Financial company continues to report inaccurate information on my credit report. They are reporting a repossession but after several attempts MarkOne Financial have failed to show me any written documentation of a signed agreement/contract with my signature, right to collect in my state, and documentation of balances and how they were calculated. I have been a victim of fraud and have expressed this to them several times in writing and they are still refusing to remove this inaccurate account from my credit report. This is my last step before I have to move forward with litigation.
Product: Mortgage

I was looking for small loan about $ XXXX and ask about construction to mortgage loans and what the cost would be. I called XXXX XXXX on XX/XX/2021 and asked about mortgage products and mortgage to construction loan. I gave her my information and told her that I put in my offer on the land the day before. XXXX the lender said that she has no time for her and that she wouldnt approve me at all and then called the listing agent for the lot I submitted an offer on and told the listing agent that they should not sell to me because i could be qualified.