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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX 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 XXXXXXXX
Product: Debt collection

Amount {$650.00} date unknown I contacted the company and invoice them for the violations an told them to cease and desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit Card with Wayfair. I applied becuase they advertised I could receive {$40.00} off a {$250.00} or more purchase. I attempted to purchase several items worth more than {$250.00}. The web site repeatedly gave me an error message for the addtional items that would put purchase over {$250.00}. 

I have attemtped to chat and call Wayfair call center to resolve this issue. At the very least to close my account. I can not get through to a person who will close my account.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing negative items again, even when accompanied by an FTC report. As mandated by law 605b of the FCRA. If you fail to remove the inaccurately reported items listed below, which are a result of identity theft, I will be forwarding my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following fraudulent items, which were opened without my consent or knowledge : Experian XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$21000.00} -- -- -- -- -- -XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX & CO XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. If you assert that these items are completely accurate and verifiable, I request you provide me with copies of any associated documentation that bears my signature, as I know none exists. Without such documentation, I formally request the immediate deletion of this information from the credit file maintained under my Social Security number. These accounts are unfamiliar to me. Additionally, the information provided on these accounts was deleted by other bureaus, raising doubts about their accuracy and reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, you have XXXX business days to remove the reporting of any items in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any form of automated verification. I appreciate your immediate attention to this matter and expect a response within XXXX business days.
Product: Bank account or service

I want to a chase branch to open a bank account for myself the lady started to open the account she ask me did I ever had a account with chase before I said no. She told me there was a account in my name in that account was abuse that someone deposit bad check in my name I told her no I do n't do that so she told me I can never open a bank with chase again so I would like this to be investigated I was a victim of identity theft before so I want to my local police department to file a police report.
Product: Student loan

On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.
Product: Debt collection

Hi, I have not received any paperwork of this collection and would like to pay and resolve this immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT FILE THAT DOSENT BELONGS TO ME, I ALSO NOTICED FRAUD INQURIES THAT I DIDNT AUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX TransUnion, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXXXXXX XXXX account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Product: Debt collection

Grant Law LLC. is attempting to collect a debt with a fraudulent unauthorized mortgage and an incomplete mortgage. Grant Law LLC. is misrepresenting the contract with incomplete clauses and covenants they are abusing me through the the legal system. Grant is trying to collect a debt that was discharged in bankruptcy. They are trying to collect a debt with the incorrect name on the contract with my initial forged and the incorrect property address.
Product: Checking or savings account

I recently got married and changed my last name. I tried to update my name at Wells Fargo where I have a checking account. I brought my old debit card with my old last name as well as a W9, social security card, and driver 's license with my new last name. They refused to change the name on my account without a marriage certificate. 

When I then requested they close the account, they refused to close the account because I did not have any legal IDs with my old last name on them. ( I do not have old IDs because they were destroyed when I updated my name legally. ) Instead, they told me I would have to call to close my account XXXX all of the previous interactions were done in peraon ). When I asked how they would authenticate my identity over the phone since I wouldn't be able to show them an ID or a marriage certificate, they explained there were alternative procedures to authenticate over the phone. I asked to follow those procedures in the branch where I was to close the account. They said they could not do that.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting

Experian and XXXX REFUSE to remove the credit accounts ( XXXX, XXXX and XXXX ) from the potentially negative/derogatory category 5+ years after bankruptcy discharge. 
This is in direct violation of the relief guaranteed under the Bankruptcy Law. All negative and derogatory credit files shall not be reported as NEGATIVE. They may remain on the file for " UP TO '' 7 years from delinquency, but may not be reported as NEGATIVE. 
Experian and XXXX. 
Both Agencies are Fraudulently reporting Negative Credit activity POST-BANKRUPTCY, making creditors " think '' I have bad credit AFTER THE BK. I have perfect credit Post-BK and I want these accounts removed from the derogatory reporting category. 
I also want them removed from both my credit reports NOW as compensation for the false negative reporting. 
Neither Agency will comply with the LAW and are hiding behind the FCRA 7 year rule. This rule does NOT allow the Negative reporting Post BK discharge and Neither does Federal Bankruptcy Law.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.
Product: Checking or savings account

Navy Federal keeps allowing overdraft fees to hit my bank account. After many in-face discussion 's with their team member. The account will show that is Im getting charged overdrafted fees when the money is in the system but not in the system at the same time. Ill pay the bill either on due date or a prior date and I will still get hit with an extreme overdraft fee or an interest fee.
Product: Debt collection

Hello, I have an account in collections with XXXX XXXX in NY for a previous account I had with XXXX/ Synchrony Bank which was a credit card used for medical bills. We had a balance of {$460.00} as of XXXX 2014 with Synchrony Bank which was charged off to XXXX and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both Synchrony and XXXX attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for medical bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2022 I called LVNV FUNDING LLC and tried to speak to someone about a fraudulent account some one had opened in my name. I notified them of this fraudulent account on my credit report and asked how to fix this issue. I verified my identity and gave them my new address. They told me to wait for a call back from a different department. I waited no call back. I open my credit report and see not only the account still on my credit report but they closed the account and sent me a bill of {$600.00}. I notified XXXX, XXXX and XXXX of this fraudulent account as well and all of them have not removed this account. This is not my account it is fraudulent and LVNV FUNDING LLC has committed FRAUDULENT activities on my account asking me for information about me for verification purposes not for account update purposes. I never gave permission for them to use my information or obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint with Experian and XXXX. Experian is reporting two bankruptcies on my credit file and I requested for Experian to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with Experian at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that Experian claims that they called is actually a disconnected number on my credit report. I would also like Experian to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of chapter XXXX or XXXX. I am asking Experian for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with Experian.
Product: Vehicle loan or lease

on XX/XX/XXXX I purchased a XXXX XXXX XXXX VIN number XXXX. 
The car apparently was a VW Lease return turn in. Car was Purchased from XXXX XXXX XXXX XXXX, XXXX New Jersey XXXX. 
The Purchase Price was {$24000.00} which was paid in full by myself. 

I was told registration and the Title would be sent to me within 30 days. 

It is now XXXX XXXX and I have not received title or plates and registration. I can not drive the car without title or registration. 

I have been told by XXXX XXXX that it is not their problem but is the problem of XXXX VW Credit Inc, XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX says title is still listed to prior owner and XXXX needs to contact them. Which they refuse to do
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
Product: Checking or savings account

We sold our home earlier this year and was waiting for a large refund check from the home owners insurance company. We fought for 3 months to receive the check ( wrong name used, wrong address used ). We finally received the corrected check on XX/XX/XXXX ( attached check stub ). We went to the bank, Huntington, to deposit the check. My husband endorsed the check and the teller wrote his drivers license number on the check ( deposit slip attached ) There was a hold on the check due to the amount. On XX/XX/XXXX I received an email stating the release was lifted from the check ( copy of email attached ). I tried to log into online banking to confirm before setting up the bill payments. I was locked out of the account. I called Huntington and was referred to speak to the hold department because my account had been closed due to fraudulent activity. I called the number given and was told a check will be issued to what funds I had in the account. And my account was closed due to depositing a fraud check. They said I had to wait for the check and letter in the mail. They would not tell me anything else. They would not tell me who I could speak to about the issue. I called XX/XX/XXXX. I called the Home owners Insurance company ( XXXX ) who issued the check. I was told I needed to speak to a XXXX or team lead to be able to get any details. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX was finally able to speak to a team lead on XX/XX/XXXX. She confirmed the check that we received. She confirmed the funds cleared their bank oXXXX XXXX XXXX ( the same day we deposited the check ). She confirmed the name and drivers license numbers written on the cancelled check. She asked me to try to call Huntington again to see when they would release the funds back to them. I called. The young lady I spoke with was very nice but unable to answer many questions due to the fact that my account was forcibly closed. There is no known date of when the funds will be returned to XXXX. There is no known date of when the letter and check will be mailed to me. It may take up to 90 days. And due to the forcible closing of the account, I can never have a Huntington account with them again. ( which brought up another issue of them blocking me with other banks or even affecting my credit score ). She was unable to give a letter or explanation. I called XXXX back and updated her on what I was told. She was working with accounting to determine if the funds were ever sent back to XXXX. I asked her to send me a copy of the check so I could forward to you ( attached ). We are buying a new home and so I called my banker to inform him of this mess. He referred me to CFPB. I still have not received a call, email or letter from Huntington concerning this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX/XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX/XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( 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 : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXX XXXX. XXXX XXXX has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.