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

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$620.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Mortgage

Send paymenr to avid default XX/XX/2024 Well Fargo bank ( mortgage holder ). Instructed XXXX XXXX XXXX  not to accept payment ( demed partial payment ). Putting home owner in Default of loan immediatly start forclouser. 

XXXX XXXXXXXX XXXX  was called XXXX XXXX previously. 

Home owner was XXXX at XXXX XXXX for a month ( XXXX XXXXXXXX ) .. documents was provided, As result of XXXX, had to resign of my XXXX position and Go on tem. Unemployment,,,, douments was provided After recieving default letter which was for {$6100.00} Tried to reach out to lender ( well fargo bank ). Asking for 3 month extention They refuse four attempts to negotiate The amount owed is {$6100.00}. Can easily paid within 4 month But their refusal constitute their desire to take over the property.
Product: Payday loan, title loan, or personal loan

I did not use have the services since it was XXXX XXXX XXXX. I called to cancelled but was told it was not possible. I would asked to settle the debt for {$1000.00}. 

Account Ending In XXXX | Log In Get in touch with us, we'll help you through this Hi XXXX, A friendly reminder that your CARECREDIT/SYNCHRONY BANK account is past due. 
Current Balance Total Minimum Payment Due Past Due Amount Non-Past Due Amount {$3300.00} {$250.00} {$100.00} {$140.00} Due Now Due XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable.

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

I have disputed this debt as not being mine and sent letters requesting they show proof of this debt being mine. Like a sing contact or services rendered for the debt they imply I owe. I have not sing or agreed to owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank continues to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act ), LAW : Pub. L. No. 111-24, 123 Stat. 1734, codified in relevant part to 15 U.S.C. 1601-1667f, 1681 et seq. and 1693 et seq. 

Comenity falsely tells consumers they have set-up a schedule for payment, but does not tell the consumer the schedule requires the consumer to log-in to the Comenity website, and manually transfer the money. This can be noted by Comenity 's transfers not showing ACH ( bank statement enclosed, no risk as this account is closed ).

The inaccuracy of Comenity 's wording regarding payments leads to an absorbent amount of late fees from consumers throughout the US, as captured in online reviews. Note : XXXX XXXX XXXX. 

Comenity also falsely reports, 'we report what occurred '. My claim specifically addresses the lack of clarity in setting up 'Scheduled Payments ', which was discussed with a Comenity Customer Service Supervisor in XXXX / XX/XX/XXXX, whereby the Supervisor confirmed the late payment would not be reflected on my credit. If calls are recorded, Comenity will have record of this call, which did in fact occur. 

Comenity did not practice fair consumer credit management, falsely confirmed in the set-up process on their website that the payment would be scheduled which is in fact not the case as a scheduled payment would not require manual transfer of monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Name of Account : XXXX XXXX Account Number : XXXX 2. Name of Account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3. Name of Account : XXXX XXXX Account Number : XXXX 4. Name of Account : XXXX XXXX Account XXXX : XXXX All of these accounts have violated my rights. I do not believe these accounts are verified as well. Opened Date, last reported date, date last active, and date of last payment are all inconsistent from XXXX, XXXX, and Experian. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 s-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: Credit reporting or other personal consumer reports

PLEASE DLEETE THE FOLLOWING ACCOUNTS AND INQUIRIES NOW THANK YOU XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Bankruptcy Court Account Number : XXXX Federal Account Number : XXXX Federal Account Number : XXXX Federal Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Chapter XXXX Bankruptcy Case Number : XXXX. 
Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card I do not use one XX/XX/2016 identity theft XXXX XXXX XXXX card XX/XX/2016 Identity theft use XXXX XXXX card XX/XX/2016 theft use XXXX XXXX Theft use nonconsential Auto loan lease party has not asked me to use my identity or as a co - signer XXXX  XXXX XXXX Auto loan XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX has not asked me to use my identity or as a co-signer Excessive, expensive and repeated use of my identity instead of own partys
Product: Mortgage

Below this summary of issue is my most recent communication with Citizens Bank Re Account XXXX I proactively applied for mortgage assistance - initiated in late XX/XX/2022. 
Prior to any collections proceedings from Citizens Bank. 

The program sent a request for information to Citizens. 

Specifically, requesting the " V-File. '' To date, Citizens Bank has not complied. 
However, they started collections via of payment offers that I did not request. 

Now I am being bombarded with Citizens XXXX Application for XXXX XXXX  XXXX. 

I did not request their help, though appreciated. 

As a result, Citizens seem to deliberately ignore the mortgage program 's request for documentation ( V-File ), which jeopardizes my account and adds a great deal of stress and pressure on me. 

Any assistance or guidance from your office would be greatly appreciated. 

Thank you, XXXX XXXX XXXX ___________________________________________________________________ sent via email according to name and contact information on Citizens correspondence. 

XXXX, ( Telephone XXXX ) Re Loan # XXXX I am bombarded with Citizens Bank documents requesting completed XXXX XXXX  XXXX documents for processing. 

I am unsure where the disconnect is between Citizens Bank and the XXXX XXXX XXXX XXXX I am already using for assistance. 

However, I can say it appears Citizens Bank is ignoring their request for the V-file and trying to force me to use your services, which I do not intend to do. 

Therefore you are intentionally making a manageable situation worse which threatens my stability and continues to cause a great deal of stress and pressure to and on me. 

The account was transferred to XXXX XXXX, Va AFTER I initiated my application with an independent mortgage assistance program. 

I do not intend to use Citizens. Please comply with the mortgage program 's request for the V-file. 

Otherwise, I will have to retain a lawyer to address your refusal to cooperate, which seems to intentionally deny my right to financial support from an agency of my choosing. 

Thank you, XXXX XXXX XXXX XXXX email : XXXX XXXX
Product: Checking or savings account

XX/XX/2021 I closed my Citibank account and I have not been sent the remaining funds of that were in the account before it was closed. I have called every month for months until XX/XX/2021 & then I was informed that an employee who works at the XXXX XXXX, CA Citibank made a mobile deposit of the funds. I sent back the notarized affidavit by email on and they claim as of today XX/XX/2021 that they did not receive the affidavit and they closed my claim.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Product: Credit card

For Dell Comenity Bank Hello and thank you for helping out I wanted to please reach out because I contacted Dell Comenity bank and havent had any feedback or anyone contact me with an update regarding my case On XX/XX/2024 I made XXXX purchases, each for : {$820.00} The package was promised to have been delivered the XXXX or XXXX however it arrived the XXXX at someone elses house in the photos provided I reached out to Dell and Comenity bank but the transaction still show on my account and with a bill due XX/XX/XXXX, its effecting my minimum due
Product: Mortgage

Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concern, concerns with Zelles handling of disputes Particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite 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 transaction was unfeasible. The CFPBs indicate that Zelle has not only neglected To protect consumers, but also Has allowed repeat offenders To exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Server is constantly down, wont let me withdraw my full amount of money in my portfolio, says I only have XXXX but my portfolio states I have XXXX
Product: Credit card or prepaid card

XX/XX/2022 I made a {$5000.00} payment to upgrade it took a couple days for bank to release payment. Upgrade customer service indicated on the XXXX that they do show a payment was made on the XXXX of XXXX. On the XXXX of XX/XX/2022 I go to use my upgrade credit card thinking because I made my payment and according to upgrade it's paid I should be able to use my card. Only to be of no avail due to unfair consumer practices of not making my credit immediately available once payment is made. Now I'm in store knowing I have a certain amount of credit available because I paid it. The real problem is if I didn't pay my bill on time they would report me to credit bureaus and tack on interest for late payment. How fair is it to me as a consumer to make my payments on time or a head of time only to be denied access to a service that the agreement is as long as I pay my bill I will have credit available. This is not the case with upgrade I have to wait 7 to 10 business days to have funds that I pay to have available to me. It's supposed to be you pay your bill you continue to receive service according to upgrade policy and terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Subject : FORMAL DISPUTE CHARGED-OFF ACCOUNT XXXX I am writing to formally dispute the validity and accuracy of the charged-off account referenced above. Upon reviewing my credit report, I have found significant discrepancies and violations in the reporting of this account, which demand immediate correction and potential legal action should this matter not be resolved. 
1. Verification of Debt & Proof of Ownership As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding full validation of this debt. You must provide the original signed contract bearing my signature, a full payment history, and proof that your company has the legal authority to report and collect this debt. If you can not provide this information, you are legally required to remove this account from my credit report immediately.

2. Reporting Violations & Inaccuracies Your company is reporting this account inaccurately, which is a direct violation of federal laws. I have noticed inconsistent balances, incorrect charge-off dates, and missing or misleading information on my credit file. If this information is not 100 % accurate, complete, and verifiable, you must delete it immediately under the FCRA guidelines.

3. Potential Legal Action for Non-Compliance Failure to comply with federal regulations regarding credit reporting, debt validation, and consumer rights will leave me no choice but to escalate this matter legally. I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Pursue a lawsuit against your company for damages resulting from inaccurate reporting, failure to validate, and violations of my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complain, XXXX  report showing exposed data breach information, and debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft an account was opened in my name with out my approval
Product: Credit card or prepaid card

I am unable to ubtain a cash app card I have tried to order a cash app card over and over numerous of times for months and I am yet to receive a card m not sure whats the issue but I really need my cash app card Cash app XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XX/XX/1987
Product: Bank account or service

UMB Bank is the banking institution that administers my XXXX Savings account. I have been getting charged for monthly fees that I was not aware of and the money in my XXXX account has dwindled down going to the bank. UMB representative said i could have avoid the fees by optioning for the paperless statement. UMB has it mention on the statement but never put a website or link on the statements. The statements does n't the UMB address and the phone number is very inconspicuous. The statement is very nebulous. The account is setup to not give you any detail information and to drain your account with frivolous fees.
Product: Checking or savings account

on XXXX/XXXX/XXXX I opened a citi bank account because I was going to switch from my current bank. I thought i was making the right decision. So, i opened the account online. Therefore, the card comes in the mail about 7-10 days after the account is opened. I wanted to transfer the funds I had in my current bank to the new Citibank checking account. My account was n't enabled for inter institution transfer so i wrote a check from my current institution to the new one. Check cleared everything is dandy, or so i thought! I found out today without notice over the phone that my account is in the process of being closed due to " fraud ''. I think this is complete discrimination. I did not commit fraud, nor have I ever. I had XXXX for 10 years with no issues. The representative supposedly said that I was advised not to do " self-self '' checks, she was very rude but I was NEVER told that. I only had the account for a week why would they feel the need to tell me that?
Product: Credit reporting

I have filed a few different disputes with Experian and they continually say my disputes are not going to be completed because I do n't supply new information. I have filed and asked over and over again for information on what they did to complete their dispute. They respond to me that they are not responsiblle to tell me who they talked to, who I can contact, phone numbers, addresses and anything else I can use to determine where they are getting their information. I think they are using a computer based system to validate incorrect information on my reports. Both XXXX and XXXX completed investigations using the same information I asked for from Experian and my reports were corrected, by both companies deleting all the incorrect information. If Experian continues to report incorrect information on my report and telling me to have the original company correct it, then the company tells me that Experian must do the same, what else can I do? Both seem to be playing me for a fool. I want this investigation done properly once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my credit union to refinance my car and they said I would have a higher interest rate than I have on my current car loan,. He said it was because of my credit. Like anyone else it concerned me and I requested a copy of my credit report and I sec a few things on there that are not mine. XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I need help with getting this resolved. I am doing this on my own.