23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a formal demand for the deletion of inaccurate and unauthorized bank account unverifiable information listed on my Early Warning consumer report. As previously stated, I am a trust beneficiary and have **never** held any bank accounts. On XX/XX/XXXX, Early Warning responded to my dispute via email and claimed that all pertinent information was reviewed with the furnisher. However, the response failed to include critical details I requested, I ask for the name of the man or woman who reviewed the case or documentation of this investigation, all documentation and an notarized affidavit which is required for verification by law. Early Warning if you and the furnisher review the " information '' then What is the name of the man or woman at early warning and the furnishers who reviewed and conducted the investigation.. the fact you failed to provided shows no man or woman is verifying this and it is not accurate and needs to be deleted. Early Warnings your response further states that you do **not have access to account documentation**, directing me to contact the furnisher directly for such records. According to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Early Warning, as a credit reporting agency, is obligated to provide any documentation obtained during the reinvestigation process upon consumer request. This lack of access implies a failure to meet the legal standards for a thorough reinvestigation, as you can not verify the accuracy of the accounts listed. And if you do not have access to the documentation how can you do a through investigation. In the absence of account documentation, Early Warning is unable to confirm the accuracy of these accounts. Therefore, this information must be **removed immediately** from my report, as mandated by the FCRA when the accuracy of data can not be substantiated. Also to clarify, I have already spoken with each bank involved including XXXX XXXX XXXX, and they directed me to dispute all fraudulent information directly with Early Warning. As a credit reporting agency, Early Warning is required to comply with FCRA provisions and delete any unverifiable information.

If Early Warning does not fulfill this demand, I will proceed with ligation
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discovered that XXXX had reported a hard inquiry on my credit report with Equifax. Eventually XXXX agreed to remove it " see letter attached " Equifax is telling me they never received any removal request from XXXX on XX/XX/2018 as XXXX   indicated, please see attached Equifax is not willing to contact XXXX even though I provided them with the confirmation number. 
I was in the process of buying a home and this hard inquiry effected my score and I tried everything with Equifax to end up with no resolution.
Product: Checking or savings account

I attempted to open a TD Convenience checking account online on XX/XX/21 with direct deposit in order to receive the incentive bonus. I sent in my identification and all other requested information. The website advised my identity could not be confirmed and requested I visit a branch. I went to my local TD branch where a bank assisted in opening the account. When I asked if I would still be eligible for the incentive bonus he said yes, as long as I set up my direct deposit and satisfied the terms and conditions. Since I set up direct deposit and satisfied the required deposit amount in the scope of time outlined I feel Ive earned this incentive reward. Ive contacted TD Bank on XXXX separate occasions and never heard back regarding my case. Im beginning to feel like I was deceived into opening this account.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX Account XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 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 more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX is violating the law. I am a victim of identity theft and my card was used without my permission. I immediately reached out to the company to start a claim for the fraudulent activity. A few days later I Called to follow up and was informed that my claim was closed. When I asked why the claim was closed, they were unable to give me any viable reasons. 

I explained that I have a right to know what investigation method was used as grounds to close this claim. They had no factual basis to support denying the claim. 

I believe that this company denied the claim to evade from their responsibility to provide me a provisional credit within the allotted 10 days which is my right under the law. 

XXXX is not abiding by the laws that the government has in place to protect consumers from losing their money to fraudulent transactions. They were insistent on me reopening my claims even they were unable to furnish information used to deny the claim. The sole reason for why they wanted to re-open the claim was because they wanted another 45 days to investigate. This is unethical behavior that should not be taking place at a financial institution in the United States. 

We are now on the the third request to reopen the claim without any information on why it was closed. XXXX is keeping money that rightfully owed to me and what I need to survive during these times. 

What should have been a 45 day process in total with a provisional credit in 10 days is now going into 4 plus months with zero explanation. 

When I implied that I was going to make a complaint my request was dismissed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have XXXX account that XXXX are report that are inaccurate. I just called XXXX for the third time today to have reinvestigated. Below are the accounts listed on the credit report. Both XXXX and XXXX have removed these accounts. 

1 ) JPMCB - CARD SERVICES. No account or phone number is listed on my credit report for me to contact them. XXXX removed from my credit report and then JPMCB-CARD SERVICES reported it again. This is not my account. I have never had the credit card or have ever used this account. 

2 ) XXXX XXXX - I spoke with XXXX XXXX with XXXX on XX/XX/XXXX they represent XXXX XXXX. I was told this account will be removed yet they are still reporting on my credit. 

3 ) XXXX - Spoke with XXXX and XXXX on XX/XX/XXXX and was told this account was suppose to be removed from my credit. They are still reporting this information.
Product: Mortgage

I had applied to the City of XXXX for a tax deferral. I was found eligible and was sent the paperwork to process my eligibility by the city. A letter needed to be signed by Chase as my taxes were paid by them through escrow included with my monthly mortgage payment.. When I reached out to them, I was told they could not sign the letter of permission because my taxes were escrowed and paid with my mortgage payment. I looked further into this situation and was told by Chase that my taxes did not need to be escrowed and they were willing to unescrow the tax portion of my monthly mortgage payment. I reached out to Chase again, requesting they sign the form since they no longer need to escrow my taxes. They said no, it is not their policy, with no further explanation when I inquired. 

As a recent widow, finances have been a struggle for me. The help that having my City of XXXX taxes deferred could provide me would make a great difference in my ability to manage my finances. I had been told by a City of XXXX employee that other households in XXXX that have mortgages from Chase have received permission from Chase to have their taxes deferred. Any help you could be to me to remedy this situation would be greatly appreciated. I am available to answer any question or provide further details as needed. 

I am attaching the following dated documents : 1 ) XX/XX/XXXX Notification from the City of XXXX - letter of eligibility and requirement for signature of document- by Chase specifically 2 ) XX/XX/XXXX Letter from Chase that they will not comply with request for deferral of taxes 3 ) XX/XX/XXXX Official letter from Chase adding my name to loan as a successor in interest after my husband passed away.
Product: Credit reporting or other personal consumer reports

I saw I had a hard inquiry on my credit report on XX/XX/year> from XXXX XXXX XXXX XXXX I contacted Customer Service but, they couldnt provide any information for the inquiry. They said they would reach out to me but, i havent heard from them.
Product: Debt collection

Hunter Warfield INC. sent a {$6000.00} collection to the credit bureau on XXXX XXXX XXXX  and was recently added and reported XXXX XXXX XXXX  Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefor needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract with the credit collection or other instrument bearing my signature. 

Failing that, the item must be deleted from he report as soon as possible as I am liable for the debt with XXXX XXXX XXXX I do not have a contract with Hunter Warfield INC. 

I did report to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized hard hits on my credit. I sent letters to all the companies and no reply and this was last year. XXXX is the only one that removed the inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SYNCB/QVC Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX and Experian. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Credit card

Had a credit card with Wells Fargo involuntarily closed without warning. All remaining points that were earned from spending on the card were confiscated, including those due to be paid out for past purchases. The amount of rewards that Wells Fargo withheld for spending that already occurred is roughly $ XXXX- {$300.00}.
Product: Debt collection

Upon starting a new service on XX/XX/XXXX, I was informed by XXXX XXXX that I had an existing balance in collections of {$410.00} from electric service at a previous residence. I didn't know about that balance, and promptly paid the {$410.00} balance plus a {$100.00} deposit for the new service at my new residence. 
I later received collection calls from Online Information Services regarding the {$410.00} balance. I spoke with XXXX ( phone : XXXX ) at OIS on XX/XX/XXXX about getting the balance off their records as it was paid in full. On XX/XX/XXXX I mailed copies of the statement showing the {$410.00} charge to the new account, brought forward from the old account via my SSN, and the payment that was made to XXXX  the balance out moving forward. All of the hard copies showing all of this was mailed to : Online Collections XXXX XXXX XXXXXXXX XXXX, NC XXXX I am still reveiving periodic phone calls from OIS to collect, and every time I explain that I have already paid the balance, AND have sent them proof. 
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy, and included this " phantom '' balance in my filing, hoping to get the collections to stop once and for all. The Bankruptcy was discharged on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received yet ANOTHER call from OIS trying to collect the balance. I informed the caller that I had filed Chapter XXXX and the debt, which was not owed to begin with, was wiped out in the bankruptcy. She still asked for proof the debt was paid. 

This is harassment at this point.
Product: Credit reporting or other personal consumer reports

All unapproved credit pulls have been requested to be reviewed and removed. They refuse to do so. My information has been breached and I am not authorizing these pulls. They refuse to confirm the validity of the pull or how they were authorized. They do not protect my information or operate per law.
Product: Prepaid card

I have a Cash App Card. On XX/XX/year>, I forgot to lock my Cash App card and there were 2 separate charges on my card that totaled {$120.00} ( XXXX & XXXX ) from XXXX. Cash App Support said I needed to called XXXX. I did, and XXXX said the transaction looked like a ghost transaction and look fraudulent and I would have to deal with Cash App. I called Cash App Support back and told them what XXXX said so I submitted a claim with Cash App Support. After their review, they said it was a valid transaction. I told them I did not make the transaction Cash App Support is still insisting I made the transaction and closed the case with no further review. Cash App is looking to charge my card but I don't have enough money in the account. 

Looks like Cash App is up to it's old tricks again. Taking money out of people account and preying on the people that forget to lock their card. There should be a Congressional I Insight Hearing into the business dealing with Cash App.
Product: Credit reporting

Before I can access my report online, a Verification page lists XXXX multi-choice items, XXXX of which says : " Your credit file indicates you may have ... [ either a mortgage/retail card/bank card ] ... ''. Each question requires my response to verify and/or provide more detail. 

Because I have NOT opened any lines of credit as listed, the accurate response to each item is " NONE OF THE ABOVE. " Consequently, my free online credit report was denied. 

Instead, I must now risk using the USPS to mail my personally identifiable information to Equifax and wait at least 15 DAYS ' processing time before I can confirm my suspicions and subsequently report to law enforcement that the family member whom I strongly suspect has been stealing from me and fraudulently using my identity absconds from the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a dated {$550.00} delinquent account on my XXXX credit report. I have requested 4 disputes through XXXX ( dates ranging from XX/XX/XXXX - XX/XX/XXXX ), in which Portfolio Recovery provides no paperwork or proof but simply tells XXXX its valid and closes the inquiry. As a last result I mailed a dispute and request for proof directly to Portfolio Recovery at the end of XX/XX/XXXX. I have not received a response at all and the account is still on my credit report. 
Can you please hold Portfolio Recovery accountable to provide proof to keep this on my credit report or have them remove it?
Product: Checking or savings account

I have use my  TD Bank ( US ) count for over 10 years. I signed up so that TD Bank could not overdraft my account. Every ti me my account was overdrafted I called and corrected the situation which I found to be immoral A number of times. They honored me and replace the funds every time. Recently my account has been significantly lower than usual they have overdrafted me  XXXX  times in the last month. I have contacted them many times telling them to stop allowing my account to debited. They have not honored overdraft protection law.         I was over drafted and not refunded  XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX  Maintenance fee  XXXX  $ on  XXXX   XXXX   XXXX  from over drafting me I was over drafted and refunded  XXXX  $ on  XXXX   XXXX ,  XXXX   XXXX  $ on  XXXX / XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The Superior Court of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Product: Debt collection

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Student loan

I recently had my school loan transferred to Nelnet. Now, because I had a previous account, which the system recognizes, I have not been able to log on. I took the time to retrieve my username in an effort to reset my password. However, the system did not send the username thus I was at an anpass. I called Nelnet and typically you are on hold long enough that I had to hand up because I needed to attend a meeting. I think both times I called I was on hold for about an hour. I emailed the company with very detailed information because I am a XXXX XXXX and know the terminology. I received a XXXX email instructing me to attempt to retrieve my username. This means either they did not read my email or they outsourced their support department to someone who does not understand XXXX. Either way, I have been waiting for a response from them for XXXX XXXX weeks.
Product: Debt collection

Accounts under my name were being open through a brother using my information to open account fraudulent
Product: Mortgage

Initially my bank paid my XXXX mortgage twice by mistake for {$1600.00} each time. 
I called Fifth Third Bank on XX/XX/XXXX and requested a refund I was told I will get a refund and the associate could not even find out if it will be a check or a reverse payment. 
By XX/XX/XXXX ne payment was received I contacted XXXX from Fifth Third Bank and she said a check was already mailed. On XX/XX/XXXX a letter stating my extra payment would be credited toward my account was received, I did not request this and it was not credited nor did I receive a check. 
I called Fifth Third Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX she said the money was applied to unissued credit, then I told her a check was supposed to be mailed. She then changed her answer and told me a check was mailed but could not give me a check #. She refused to connect me to her supervisor and put me on hold 10 minutes. I called back and XXXX again refused to connect me to her supervisor and just put me on hold again. I never received this money and the payment of {$1600.00} was never applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filig this complaint. The stuff on my credit report is wrong.
Product: Credit reporting

Experian would not let me send them documents to support my dispute with them, they report XXXX XXXX and XXXX on my Credit Report which XXXX were under consent report issued by the FTC and CFPB and would not remove these phony debts even thought they were sent to them by mail by my husband
Product: Credit reporting or other personal consumer reports

The reported late payments are incorrect, incomplete, or unverifiable