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

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the account listed be remove because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

ACCOUNT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I had a debt with XXXX XXXX, a hospital in XXXX, AZ. This happened right when the branding was changing from XXXX XXXX to XXXX. I received many letters from many departments that all had something to do with a particular emergency room visit. After paying this, apparently there was another piece. I never got any other notices, nor did I get a single bill ever from Central Financial Control aka Syndicated Office Systems. This just suddenly appeared on my credit, and after resolving the debt, they refused to delete the line item. Many many collectors will do a paid in full/deletion, as it does my score NO help by having a paid collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, what you are doing is clearly illegal. we are now at 60 days since my original dispute and you now barely say i did not supply sufficient identification. In my original dispute i provided a notarized affidavit confirming my identity as well as a drivers license and bank statement. 30 days later after no response I sent I also sent a follow up letter. Today in response have mailed a copy of everything plus a w2 and a additional letter addressing these games you are playing. I will also be filing a complaint with the XXXX and If I have to the attorney General. 

Original CFPB complaint : " Someone please help! I have reached out to Equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldn't tell me anything over the phone. I sent my original dispute on XX/XX/XXXX. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal ''
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I purchased a tablet on XX/XX/XXXX and the tablet did not function properly. The sound would not be consistent and stable and it would also freeze. I initiated the return on XX/XX/year> and it took them several days to pick up because they provided inaccurate information and the process was not handled properly. They kept leaving without label or coming at a time not stated. It was eventually picked up after hours on the phone over a week. I spoke to supervisors that assured me as so soon as it arrived at facility I would receive refund. Now they are stating it will be another two weeks when I have no longer have the product and my account t says I can return it up to a certain date. I have my tracking slip from UPS but they will not refund my money or acknowledge that they have given me inaccurate information and simply lying I also purchased another tablet on XX/XX/year> to replace the broken one for {$220.00}. They are holding my refund XXXX on a valid return. I have attached the tracking slip as well as the 7 hours of call log proof from calling them and getting nowhere
Product: Debt collection

I used a credit repair agency take care of the only collection on my credit report. XXXX XXXX XXXX could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with capital one ( the original creditor according to XXXX XXXX XXXX ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
Product: Checking or savings account

I am a signatory on a checking account with my neighbor who I have a power of attorney to handle his finances. 

On XXXX I noticed 2 unauthorized charges on the joint checking account and called the banks fraud line and reported it. They cancelled the card. 

The next day i noticed that the transactions were still pending. I immediately called the bank on the XXXX and reported what I had done. The next response amazed me. The bank told me that the service I called only cancels the cards and that the customer has to call the bank. 

This is outrageous. No one told me that we had to make a second call to the bank. This is the first failure by Ameris. How can they provide safety and security when they botch this like they did. 

The second failure, which has several elements, relates to their mailing process. 

They sent me 2 notices, each dated XX/XX/2024. 
The checking account mailing address is : XXXX XXXX XXXX, and they sent the notices to me at my home. It makes no sense. 
I received the notices on XX/XX/2024 in the XXXX Mail They were mailed from the bank on XX/XX/2024. 
The account is paperless and they had every opportunity to send the notices electronically. By doing that they could have saved some trees, save the postage and follow through with a timely notification. 

These. 2 failures reflect a management failure to protect their accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act Ally Financial account # XXXX, Sallie Mae account # XXXX, XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hello, thank you for trying to help me. On XX/XX/2022, I noticed several fraudulent checks that were withdrawn from my Suntrust checking account, totaling {$4000.00}. After a 60-minute hold with Suntrust 's fraud department, I was able to speak to someone who closed the account, opened a new account, and initiated a fraud investigation. I have not heard anything additional from Suntrust regarding the investigation, and both I and my local branch representative have waited hours on hold with Suntrust 's fraud department without a human ever answering the call. Suntrust states that their policy is to return stolen funds to accounts within 10 days, at least temporarily while the investigation proceeds ; my funds have not been returned to my account, and I am unable to speak to anyone at Suntrust regarding the investigation, as they are impossible to reach, even by their own branch employees. 

Suntrust is undergoing a merger, but this is no excuse to violate their own policies and to leave customers in this much of a bind, unable to contact anyone at bank in a reasonable amount of time. 

Please help if you can. 

Thanks!
Product: Checking or savings account

Marcus Bank closed my savings account after I withdrew my CD 's and immediately sent the remaining balance to the Mass Revenue Department. 
I never received an escheatment letter informing of what happened to the funds, only that the account was closed. I had to call to find out this information.

It's now been over four months trying to collect my money from the state, however they will be happy to help if I had the escheatment letter.
Product: Checking or savings account

Unauthorized transactions of someone using my Chime account. Total charges {$1500.00}. Personal and Witness statements have been sent to Chime. ID theft reports have also been sent. Chime is aware that an arrest has been made, and yet they have failed at crediting my account my missing money that is supposedly FDIC insured up to {$250000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024, I mobile deposited a check from the United States treasury for XXXX. On XXXX XXXX I received an email saying that my check deposited has been accepted and I should allow processing for one or two business days. On the same day of XX/XX/2024 I received additional emails saying that the check I deposited on XX/XX/XXXX has been a delay and making the funds available. The email also went along and said we have confidential information indicating the check may not be paid. Your money will not be available on XX/XX/XXXX, XXXX on XX/XX/2024 I called and speak to a representative about my check status. I spoke to someone at the branch in XXXX Virginia and the branch manager at that location said that my account wasnt closing status. I asked why she said because fraudulent. When I call customer service, they asked me questions about the check. I let them know that the check was drawn off of my job. I got a loan from XXXX  XXXX  and they gave me a check drawn off the United States treasury fraud. Blocked all access to my account on XX/XX/2024 XX/XX/2024. I called back and said that I wasnt able to receive access to my account. They said that my account was in closing status. I will no longer have access to my account and I will have to wait until I get a letter in the mail stating the reasons why they close my account and they will not be able to tell me the status of my check that hasnt cleared or if the money is in my account. I got in contact with my retirement people who wrote the check. They said that the check was cashed, but I did not receive funds from that. I no longer have access to the account nor do I have access to the funds in the account if there are any. I havent received any more correspondence from the bank regarding this situation. I did getting in contact with my retirement people who payment on the check Investigating the situation to issue me a new check. I sent an email to Citibank recovery regarding the situation for them to investigate why my account was blocked and closed due to a check that wasnt fraud.
Product: Debt collection

My original mortgage lender was XXXX Mortgage XXXX XXXX ( XXXX ). I signed my Note and gave it to XXXX on XX/XX/XXXX. XXXX went out of business on XX/XX/XXXX. XXXX did not indorse the Note to any party and XXXX did not assign the Note to any party. Chase Home XXXX XXXX ( Chase ) took over the mortgage servicing while it was a stranger to my Note and while not paying the XXXX its share because XXXX did not exist. I made monthly mortgage payments to Chase until XX/XX/XXXX. Due to the XXXX of XXXX, I lost my job in XX/XX/XXXX I was not able to pay Chase. On XX/XX/XXXX Chase forged a mortgage assignment from XXXX to Chase. and based on that filed a Foreclosure Complaint on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX NJ, On XX/XX/XXXX XXXX. XXXX XXXX from the NJ XXXX XXXX XXXX XXXX suspended the Complaint of XX/XX/XXXX and ordered Chase to remove the forged mortgage assignment of XX/XX/XXXX to cure the deficiencies and re-file. Chase violated that XXXX of XX/XX/XXXX, and instead forged XXXX more mortgage documents and sold it to XXXX XXXX XXXX XXXX ( XXXX ) sometime before XX/XX/XXXX. XXXX hired a local notary public to forge my signature on a so-called HAM Agreement of XXXX. On XX/XX/XXXX the Note was already time barred based on NJSA XXXX ( b ). On XX/XX/XXXX XXXX filed the second foreclosure complaint based on the time-barred Note and the recycled forged mortgage assignment of XX/XX/XXXX. XXXX was a debt collector by filed the foreclosure complaint as a mortgage lender and servicer. without being a secured creditor. I sent FDCPA XXXX XXXX letter to XXXX in XXXX of XXXX they ignored it. XXXX sold the alleged debt to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX sent me a FDCPA XXXX XXXX XXXX on XX/XX/XXXX and I denied it and asked for validation. XXXX replied that they would validate the debt and get back to me and I am still waiting. XXXX was a debt collector and was trying to collect on a time-barred debt. In XXXX of XXXX, XXXX sold the alleged debt to XXXX XXXX Mortgage Servicing ( XXXX point ) and XXXX XXXX XXXX XXXX XXXX XXXX Bank ). On XXXX/XXXX/XXXX sent them FDCPA XXXX XXXX Letters, and they replied that my case was complex and they would get back to me. I never heard from them, On XX/XX/XXXX I sent them both FDCPA Cease and Desist Letter. XXXX point continued sending my mortgage statements on a time-barred Note. XXXX point is a debt collector not my mortgage servicer. XXXX Bank is a debt collector, not the owner of my mortgage. The owner of my mortgage was XXXX and now the Note is time-barred. I request that both leave me alone and stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

After formal letters and calls to the three credit reporting agencies of XXXX, XXXX  and Transunion they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

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

In accordance with the Fair Credit Reporting act 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 instruction
Product: Debt collection

Someone stole my identity and purchased stuff under my name and sent them to an apartment in NY when I never been to Ny so I would like to report this fraudulent activity and get it removed from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been contacted repeatedly by Transworld Systems Inc via phone and mail regarding a debt that is not mine. TSI says I owe {$21000.00} on an XXXX XXXX card. I have never had an XXXX XXXX XXXX and they did not even spell my name correctly. This is a fictitious debt and we have contacted them to ask where they got this charge, but they will not explain it to me unless I give them all of my personal information which I refuse to do. The letters and threats of legal action keep coming. We are at a loss of how to stop them from continuing this harassment.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/23 i spoke to experian and also sent them a dispute in regards to some in correct information on my credit. It has been over a month and they have not proceessed this request. I wish to have this matter handled before the new years but they have ignored me.
Product: Checking or savings account

I can not access my PNC checking account to make deposits/transfer funds using the XXXX  service that many financial investing companies are utilizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen with my credit cards in there called both credit card companys and they still wanted me to pay a balance that i didnt create.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed certified letters to Experian about my incorrect name and address and nothing has been done yet. I have send my drivers license etc and still nothing has been change. The unethical behavior is totally unacceptable. I have asked them in a proper manner to correct this since XX/XX/2021 and its XX/XX/2021.
Product: Credit card

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.