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

To Whom It May Concern, I am writing this letter to formally dispute and request the immediate removal of several fraudulent hard inquiries listed on my TransUnion credit report. I have recently become a victim of identity theft, and I am deeply concerned about the negative impact these unauthorized inquiries may have on my creditworthiness and overall financial well-being. 

The following inquiries, which I have no knowledge of and have never initiated, have appeared on my credit report : XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX - Sales Financing - XX/XX/XXXX XXXX XXXX - Personal Loan Companies - XX/XX/XXXX XXXX XXXX XXXX Department and XXXX XXXX- XX/XX/XXXX XXXX XXXX - Credit Bureau Inquiries- XX/XX/XXXX XXXX XXXX - Miscellaneous Personal Services Other Than Medical - XX/XX/XXXX XXXX XXXX - Miscellaneous Personal Services Other Than Medical - XX/XX/XXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - Mortgage Companies - Credit Union XXXX XX/XX/XXXX XXXX XXXX  - Mortgage Companies - Credit Union XXXX XX/XX/XXXXXXXX XXXX XXXX  - Auto Financing - XX/XX/XXXX XXXX XXXX - Auto Loans- XX/XX/XXXX XXXX XXXX XXXX Auto Financing - XX/XX/XXXX Upon reviewing these inquiries, I must assert that it is impossible for me to have sought loans or financing from the aforementioned creditors during the specified periods. I have diligently managed my finances and have never engaged in any business transactions with these entities. In fact, I have taken the necessary steps to contact the listed creditors directly, and I can confirm that they have verified the unauthorized nature of these inquiries and have categorically stated that I have had no dealings with them. 

As a victim of identity theft, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its provisions for disputing inaccurate and fraudulent information on my credit report. The FCRA grants me the right to request a thorough investigation of these unauthorized inquiries and to have them removed from my credit history, thereby restoring the accuracy and integrity of my credit profile. 

I kindly request that the Consumer Financial Protection Bureau assist me in rectifying this matter by conducting a prompt and comprehensive investigation into these fraudulent inquiries. I am providing all necessary documentation, including correspondence from the creditors confirming the fraudulent nature of these inquiries, to support my claim. 

Please inform me of the progress of your investigation and the actions taken to correct this situation. I understand the importance of maintaining the accuracy of my credit report, and I am committed to cooperating fully with your office to ensure the successful resolution of this matter. 

Thank you for your attention to this urgent issue. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a communication from Sunrise Credit Services on XX/XX/2021, a violation of 15 U.S.C. 1692c ( a ), stating that I owe a debt, violation of 15 U.S.C. 1692b ( 2 ). 
Within that communication, Sunrise Credit Services, claimed that I owed an account balance of positive {$260.00}, a violation of 15 U.S.C. 1692e ( 2 ) ( a ). Profane language was used in their communication, violation of U.S.C. 1692d ( 2 ).

Sunrise Credit Services claimed that I have 2 accounts. A Creditor Account and an XXXX Account, a violation of 15 U.S.C. 1681 ( a ) ( 2 ) ( b ).

The communication was a form that claimed that I owe a debt, a violation of 15 U.S.C. 1692j. 
I believe, their claim that I owe a debt, is harmful to my reputation per 15 U.S.C. 1692d ( 2 ).

Sunrise Credit Services used deceptive means to coerce me into paying a debt, a violation of 15 U.S.C. 1692 ( e ) ( 10 ).

This blatant disregard of Federal Law will not be tolerated. I seek {$6000.00} in damages. I WILL NOT SETTLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

after obtaining a current copy of my credit report i noticed inquires which i did not authorize and seem fraudulent
Product: Credit card

I have always made automatic payments on my card. I did not see, nor was I contacted to let me know that the recurring/automatic payments were stopped. The company changed websites and appears to have changed the issuing bank, which I believe led to the auto pay stopping. My balance due was only {$20.00}, but then they charged me over {$60.00} in late fees! I have no issue paying the balance due whenever the auto pay was stopped, but they will not accept that.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses :XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX dont live at those addresses not sure how they got on my credit report please delete them.
Product: Credit reporting or other personal consumer reports

There numerous inquiries that I never authorized which is fraudulent! 

1. COAF XXXX 
Date reported XXXX XXXX
2.COAF XXXX
Reported XXXX XXXX
3. COAF XXXX
Reported XXXX XXXX
4. COAF XXXX  Reported XXXX XXXX
5. Capital one bank USA na
XXXX XXXX capital one XXXX  Reported XXXX XXXX
6. Capital One bank
XXXX XXXX  capital one XXXX
Reported XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX Been customer for 2+ years - never missed a payment Keep calling and saying they are a debt collector Tell me I've missed 2 payments and try to collect the money over the phone All of my payments have cleared my bank. I have shared that with them. 
They said they would not call me back - called today and tried to collect payment. 
Current Mortgage Payment cleared on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My checking and savings Accounts Were hacked into and moved into a payee account that they set up and then wire transferred l {$50000.00} to XXXX XXXX XXXX Bank. This all happened on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted XXXX fraudulent inquiries.
Product: Checking or savings account

I opened a new Safe-to-Spend checking account with Simple Bank, an online-only bank ( www.simple.com ), on XX/XX/2019. I attempted to transfer funds from an account that I have with an external bank into this new checking account with Simple Bank but received an e-mail from Simple Bank on XX/XX/2019 stating that Simple Bank had frozen my new checking account. 

Per the e-mail, Simple Bank is requesting several sensitive documents from me containing my personal information such as color photos of my social security card and government-issued photo identification as well as my two most recent bank statements for the external bank account from which I attempted to transfer funds to my new Simple Bank checking account. I refused to provide this information as it is very sensitive, personal information that I felt that Simple Bank did not need to verify my identity. I have successfully done business with other banks without needing to provide this information. 

I have had several phone conversations with Simple Bank to negotiate a solution in lieu of providing this information, including closing this account. However, Simple Bank refused. Instead, Simple Bank sent me two more messages on XX/XX/2019 and XX/XX/2019 requesting this documentation from me. Simple Bank continues to insist on me providing this documentation and will not grant my requests to close this account. My account remains " frozen '' with Simple Bank refusing to close my account or allow me access to my funds ( ~ {$5000.00} ). 

I am extremely upset and dissatisfied with Simple Bank throughout this process for requesting sensitive private documentation from me as well as refusing me access to my funds or to close this account. My experience has been completely the opposite of Simple Bank 's slogans and marketing that suggest their customer service is better than other banks.
Product: Debt collection

Resurgent is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. 
I have inform them of the situation but they still continue to mail my personal information to my workplace.
Product: Payday loan, title loan, or personal loan

I have been due {$400.00} due to an overpayment on my PayPal Credit account since XX/XX/2018. On XX/XX/2018 According to my account statement, PayPal Credit withdrew the credit balance of {$400.00} from my account and has yet to refund the money as of this date. After 2 emails and 4 telephone calls to PayPal Credit customer service, I have been told that they are experiencing problems with refunding funds to several customers including me but they are working on the problem. As of this date, I have not received my funds totaling {$400.00} USD. 

Making a refund should not take this amount of extensive time.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this some mistake as I assumed it has to be i have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as PayPal quiet frequently. my email address linked XXXX XXXX
Product: Credit card

At the Regions Bank at XXXX XXXX XXXX Florida XXXX XXXX XX/XX/XXXX, I made a deposit of {$1500.00}, it is a secured card to make credit, said card was requested that day by the agent XXXX XXXX XXXX the card has never It arrived by mail and on multiple occasions I called the bank to tell them that it had not arrived yet, this agent told me that she would cancel it and she never did, I later returned to the bank to ask why it had not arrived and there they gave me the information that they made multiple transactions that I never made because I did not have the card, the first was at the same Regions bank in XXXX on XX/XX/ for a total of {$450.00}, XXXX # XXXX on XX/XX/ for {$230.00}, in XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/ for {$270.00} and {$2.00}, on XX/XX/ in XXXX # XXXX for {$47.00}, and in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2.00}, for a total of XXXX, they tell me that I am responsible for something that I did not do because I never had that card, but they hide information since they carried out the first fraud in their own bank and there are cameras there, even though I promptly alert them that they never I received the card, they did not cancel it and they did not pay attention to me, accusing me of this responsibility that I did not commit, I need your help to resolve my case since it has affected me a lot.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. 

I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. 

I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. 

I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$990.00}.
Product: Credit reporting or other personal consumer reports

This is my first requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

XXXX XXXX  wrote wrong three ( 3 ) policies for my homes insurance. These three homes already had coverages from the mortgage companies, I sent XXXX a declaration forms to prove my case. XXXX acknowledged writing wrong policies, but they had sent me to Credit Collections Services ( CCS ) for unpaid premium. 
On XX/XX/XXXX I contacted XXXX in regards to this issue, XXXX reversed all charges and cancelled all three ( XXXX ) policies from inception, and wrote a letter to ( CCS ) explaining how these XXXX ( XXXX ) policies were written in error and requested for my accounts be deleted from collections. CCS refused it. 
I contacted XXXX again on XX/XX/XXXX ; XXXX XXXX at XXXX XXXX XXXX department also wrote a letter indicating all policies were written in error, and requested CCS to delete my accounts from collection, CCS again did noting about this. 
I went ahead and paid off all debts related to all three policies, because I had lost a XXXX points from my credit report due to these activities. I was also trying to close a mortgage loan at the same time, but paying off those dept didn't make any difference. 
when my issue still persisted, I contacted CCS on XX/XX/XXXX, response I got was that they didn't receive any correspondence from XXXX and they're not doing anything about my issue. Till date, I haven't been able to close my mortgage loan because I'm stuck between XXXX and CCS mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last 4 : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX : XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00} Equifax XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to the inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was having financial difficulties, and my car was repossessed. XXXX at the end of month. My credit has been reporting delinquent since I was making any on time payments. I talked with the lender to let them know I would not be getting the car back. They sent me a letter XX/XX/XXXX or so showing what it cost to get my car back repossession fees what the time frame will be to get it back. And when or about it will go auction off. So how can they report on the XXXX of XXXX that Im derogatory of the full amount on the loan, and the car hasnt been auction offed to leave any outstanding balance.
Product: Credit card

I understand that there was a data breach, and a few million people had their information exposed. Within this last year, I have gotten unsolicited credit card, car loan and business loan, offers that I did not request. My information was released without my permission and I'd like for total removeal from the credit reporting bureaus because, again I did not authorize my personal information to those companies.
Product: Mortgage

In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. 

I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. 

I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. 

I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. 

On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! 

As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?
Product: Checking or savings account

I am in the process of selling some cemetery lots I have and advertised them on XXXX and XXXX XXXX. On the XXXX of XXXX I received a text message from XXXX XXXX XXXX asking about them. He stated that he was interested for his XXXX. XXXX XXXX XXXX XXXX, XXXX, texed on Friday XXXX to see if I had received the check sent overnight by XXXX? Deposited the check at my Santander Bank branch and texted deposit as instructed to do so. The check was for {$19000.00}, a {$5000.00} overage explaned as a mix up ment for the undertaker. The check was examined by several tellers before being deposited. On Saturday the XXXX received a text from XXXX XXXX ( yet another phone ). He wanted to know if any of the funds were available from my bank yet. I explained that my bank had placed a hold on the check for one week. On the XXXX of XXXX another text from XXXX. XXXX asking me to check my account again to see if any funds available. Wednesday the XXXX after checking my account I found a {$15.00} return fee for a altered/fictitious check. I explained to XXXX XXXX that the check was a fraud and would contact the police with the evidence I had collected. On the XXXX I also found out that there was a freeze on my accounts sent to the fraud department of the bank. I called and spoke with several agents each telling me that my accounts were still on hold. XXXX prompt # 3. Today is the XXXX of XXXX and I am told that the bank has the right to freeze my accounts for examination for up to 10 + business days to complete investigation and unblock my assets. I explained to the agent that I do my banking online and had several large payments to make. She told me to go down to the branch and make arrangements. This is causing me some headaches because as all consumers I need access to my money to live. The bank can not gi9ve me a date or time frame when I can have my money back. My question, is this practice within the federal laws or guidelines? Am I being taken advantage of?
Product: Debt collection

Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follow