23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I requested a 60 day ira disbursement from Merrill edge account number XXXX. They insisted the check had to be sent us mail and there was no ability to expedite. The check was drafted on XXXX XXXX but never arrived until XXXX XXXX. The check was payable to my house. Literally payable to my house, not me. Obviously I can not cash a {$56000.00} check payable to my house. 

I called Merrill and spent XXXX minutes on the phone asking how they would get my check expedited to me. They told me I had to fill out a form identifying them for the check sent to my house before they would return my funds and reissue the check. After a tense exchange, the operator pulled a manager on the line who said she would fix the problem as soon as I sent in the indemnity letter ( on behalf of my house ) she would get back to me with information on how I can help them expedite the check to myself. 

Its been nearly XXXX hours and no call back from Merrill. 

Theyre service line apologizes for slow mail and the receptionists all apologize for the delays in talking to them. 

At some point its intentional interference with getting the asserts Merrill holds back to their customers.
Product: Debt collection

On XX/XX/XXXX, at XXXX, I sent the following message below, but Target and their law firm have ignored me : Sir, I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( listen to the call attached ). He treated me so bad. He was rude and got sassy, likely because I chose to contact your office directly. He had selective hearing, and remarkably, once I spoke to his manager, XXXX XXXX, XXXX was able to hear me and help me just fine ( that day ). 

XXXX called me back on XX/XX/XXXX, I was so hopeful that I could finally put this behind me. Then he tried to tell me that I need to sign a stipulation to judgment before you will reduce the payment to {$1800.00} and allow me to make monthly payments over a 24 month period ( listen to the call attached ). These guys already filed a bogus case against me in the XXXX XXXX XXXX. As I stated below, they never, attempted to serve me, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I resided there I had a Ring camera and can prove that NO ONE CAME TO MY HOME on those days or any other days. They lied to the courts and have been jerking me around since XXXX, while causing me public humiliation with this bogus court case. How dare they now try to pull another fast one on me legally, by trying to get me to sign a stipulation for judgement or ignore me while keeping this case on my public record in the courts. 

Target ( through this law firm, has ignored me ), their Reps ( from other countries ) have deceived me and told me that my loan was still with Target internally and that if I paid them x dollars, it would bring the account current. Come to find out it had been turned over to this law firm who is now cheat and scamming me. 

I had told them that I dispute the debt amount and they sent me documents that never broke down the charges etc. They are scamming me. I offered a settlement to get this off of my record, still yet, they are stringing me along after agreeing to settle for {$1800.00}. Its been 2 weeks since the law firm contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in acorddance with fair credit act XXXX  act XXXX has violated my rights 15usc 1681section 602A states i have the right to privacy 15 usc section 604A it also states a consumer can not furnish an account without my written permission or instructions XXXX XXXX reference XXXX fed loan servicing XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

Log in Sign up rewrite this and be very assertive using consumer law and state that their are not doing their job by removing things that were inquiried fraudulent should be removed off the credit report : Good evening, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not REMOVED ANY OF THE INQUIRIES I LISTED IN MY DISPUTE LETTER THAT ALSO HAS A SWORN FEDERAL TRADE COMMISION AFFIDAVIT. 
EXPERIAN IS NOT DOING THERE JOB AND REMOVING THIS FRAUDULENT INQUIRIES. 


- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action XXXX Subject : Urgent : Immediate Action Required on Fraudulent Inquiries Good evening, My name is XXXX XXXX, and I am compelled to file this formal complaint regarding the persistent failure of Experian to address fraudulent inquiries on my credit report. This is the third time I have submitted a claim concerning identity theft, and despite providing a sworn Federal Trade Commission affidavit, Experian has failed to remove the fraudulent inquiries as required by law. 

The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is not fulfilling its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information on my credit report. Your continued inaction constitutes a clear violation of consumer rights and negligence in your duties. 

As a victim of identity theft, I am entitled to have these fraudulent inquiries removed immediately. If Experian does not take prompt and effective action to resolve this matter, I will be forced to pursue legal remedies to enforce my rights. 

I expect a swift resolution to this issue and confirmation of the removal of the aforementioned fraudulent inquiries. Failure to respond adequately will leave me no choice but to escalate this matter further.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 an inquiry made by JPMORGAN Chase bank was made on my credit. This wasn't done by me and it was fraud.
Product: Debt collection

I received a letter around XX/XX/year> from Kings Credit Services, a debt collector trying to collect a debt I owed to XXXX XXXX, MD for the amount of {$30.00} plus {$2.00} interest for a total of {$32.00}. The letter stated I had till XX/XX/year> to dispute all or part of the debt either by calling or in writing. I immediately tried calling Kings Credit Services at ( XXXX ) XXXX to inform them that I DID NOT owe this debt because I had already paid {$30.00} in cash on XX/XX/year> in person at XXXX XXXX XXXX XXXX. I received a bill from XXXX XXXX around the third week of XXXX stating I owed {$30.00} and that this was the " Final Attempt '' to collect before it would be turned over to a collection agency. I remember being mad because this was the first time I had received a bill from them and yet they were stating it was the third and final time for me to pay. The bill said I had till XX/XX/year> to pay. Fast forward to XX/XX/XXXX when I received the letter from Kings Credit Services, a debt collector saying I owed XXXX XXXX {$30.00}. I called Kings Credit Services 5 times in the next several weeks leaving a detailed message everytime as well as emailing them with NO response from any of my calls/messages or my email. I finally talked to XXXX in XXXX XXXX 's office on XX/XX/year> who does the billing and explained about the debt collection letter and that I had paid the bill on XX/XX/year> in person at the office with cash. She began to look for my payment and after a few minutes she did find that yes indeed I did pay, in cash {$30.00} in cash on XX/XX/year>. I asked XXXX if she would contact Kings Credit Services and let them know that I do not owe that money. I told her I'd been trying to call and email Kings Credit Services with no response to which she told me she was having the same problem, she had been trying to call them the last couple of weeks with no response. XXXX then informed me that a patient had gone to the office of Kings Credit Services where she found a note taped to the door that the business was permanently closed. The patient informed XXXX about them being closed and she has no idea what's going on. She said they were not informed that the business would be closing. Now my fear is come XX/XX/year> this debt will start showing on my credit report and it's false which is going go hurt my credit which I've been trying to raise my score this last year. Please can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, XXXX, and TransUnion for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone put a credit inquiry on my report and haven't tryed to get credit th last 4 years Transunion said XXXX XXXX  had it happen
Product: Debt collection

Hello, I have attempted to contact Midwest Recovery Systems ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ) twice but the company has refused to respond. This company has reported a negative collection account for {$610.00} to all three bureaus. I have no knowledge of this debt or the company and I certainly did not sign any agreements with them. Prior to the appearance of this debt on my credit reports, Midwest Recovery never contacted me or sent a notice of my right to dispute. The company did not send any documents to me, simply placed an inquiry and reported a negative collection account. 

I last attempted to dispute this debt directly with this company by requesting a debt validation via certified mail and the company received it in their office on XX/XX/2018. To date, I have not received any correspondence from their office and I have given this company ample time to respond to multiple requests asking for validation of this debt. In this case, I would like for this company to delete the and cease reporting.
Product: Credit card or prepaid card

I received en email about a credit card that isnt mine someone started in my name with ace elite
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with experian.
Product: Checking or savings account

I had wire transfers of {$150000.00} on XX/XX/XXXX and XX/XX/XXXX for XXXX go out that were unauthorized. I contacted the bank in person on XX/XX/XXXX and reported they talked to the wire transfer team and I filled out paperwork and they said they had everything needed. They said it should be settled in a month. Later they asked for more paperwork that was already sent in, then a third time. Then on XX/XX/XXXX they sent out the paperwork a forth time. The paperwork was submitted properly the first 3 times according to the bank. After the 4th time they wanted more info so I filled it out and sent it in a fifth time, then they still wanted more so filled out a sixth time. In XXXX of XXXX they denied the claim stating it took to long. They stated that they last claims 4 thru 6 took to long for them to get the paperwork and right info. However like I said I had previously filed 3 other claims which they stated were done correctly but decided not to mention in denying the claim. 
They also claimed I walked into the same bank that I opened an account with to make the wire transfers with the same information. This is a total lie. 
Also they closed my account in XXXX of XXXX and it had {$6400.00} left in it. This is money I deposited into the bank myself. They told me I couldnt have it because someone who I didnt know tried to make multiple deposits into my account under several names. First off I didnt know the person, next I dont know how they would know my account information unless they got the wrong account. Also it would be the banks fault for allowing something like that to happen. They didnt want to give me my funds back due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX  : XXXXXXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XX/XX/XXXX I was supposed to get a direct deposit of XXXX. I woke up to get money from the ATM with success. Afterwards I tried to pay my phone bill and it said my bank was declining my purchase. I called to find out why and it said my balance was XXXX. I was confused because I just received my Deposit that morning. I spoke with several key bank employees who told me that their was a XXXX XXXX transaction that I didnt make. They also informed me that whoever got my card information was trying to withdraw money since XX/XX/XXXX but with no success because I didnt have money. I contacted them about a provisional credit and they refuse. I literally dont have XXXX XXXX! I never gave me card info out! Idk how someone got my card information! I couldnt pay my phone bill that week or buy my kids food! I literally only get XXXX a week and someone Took it XXXX if it!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding multiple erroneous late accounts entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account 's information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be correct them from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. These late open accounts should be corrected by the credit bureaus right away : XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX  XXXX XXXX Balance : {$7200.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$370.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

All monies to be returned and refunded for all transactions in full amout
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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

I have sent letters to XXXX and Equifax on XX/XX/21 and have yet to receive a response.
Product: Mortgage

I summit a application for a loan modification loan that was suppose to take only 3 months, after summiting different documents that was requested by flagstar bank for nearly a year, and I was told to not make any monthly payments until instructed to do so .well after 1 year I was told that my home was in forclosure and I had 30 days to moved or my furniture will be place outside, so I moved out, after complaining to XXXX and credit consumers trying to get help, I received a letter from attorney that my home was never in forclosure, they classified it as loan modification fraud and I needed to seek an attorney.this bank moved a lot of homeowners out in the streets, they were investigated and was found to have lied to some of there customers, mostly XXXX.then I notified by XXXX mortgage as to why I moved out my home and that my mortgage was turned over to them, I 'm still devastated and embarrass, I have never been late with my payment to Flagstar Bank until I was told not to send payments .im presently trying to seek help with this embarrassment.now it 's on my credit report.what do I do now? My name is XXXX XXXX, vs Flagstar Bank.please Help me Thank you