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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I requested via certified mail for the original of the validation of the debt from Reliant Capital Solutions and it was not fulfilled. However, the company only send a copy of the verification letter of the debt. I specifically asked for any document with my signature, with dates, and amount of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : Transunion, XXXX, and XXXX Dear Transunion, XXXX, and XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on :XX/XX/XXXX Made with : Transunion Made by : Desert Financial Made on : XX/XX/XXXX Made with : XXXX
Product: Mortgage

Last XX/XX/XXXX and XXXX, XXXX, I received notifications from my account in credit bureaus XXXX and XXXX, that Credit Plus through XXXX XXXX  XXXX has pulled my credit report. This inquiries made were not authorized by me. I did NOT / NEVER authorize them to pulled credit report in my behalf. I have sent a dispute Letter and has not receive any replied from Credit Plus and has not removed inquiries from credit bureaus.
Product: Mortgage

We apply for and received assistance from Louisiana Homeowner Assistance Fund. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account Number XXXX Wells Fargo is acting as if this program does not exist and when I talk to them on the phone Im transfered to different departments and the disconnected
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : 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
Product: Credit card

I was sent a Chime Debit card and have no knowledge of opening an account with them. Looking up similar cases have been found to be either someone using stolen identity or the company using it as an advertisement bait to open an account. People have said they require your personal details and last four of SSN to apparently close the account but I am hesitant. Other people said to file a report on this site.
Product: Credit reporting

Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015.
Product: Checking or savings account

Im to the point that Im really considering on taken you to federal court because Im on maternity leave and Im not getting paid for it plus its a pandemic. Your bank has been giving me stress since I was pregnant with fees excessive over draft fees for things your bank caused and now a {$15.00} fee for a monthly service fee. I called the 1800 number just now and was treated very rudely my agent and supervisor the supervisor even hung up on me. I dont deserve to be treated this way. I return back to work next month and I thought as long as I kept money in my account I wouldnt be charge any fee. I need all fees taken off including this one. Thank you for your time and have a great day and please be safe. I apologize if Im being rude. Im just so tired of your bank Wells Fargo treating me this way since I was pregnant to the point my doctors are aware and your supervisor just hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly 7 years I have had a truck loan with Rally Motor Credit at XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone # XXXX. It has always reported correctly until XX/XX/2019 and now the loan shows removed from my credit report. This is seriously a problem that it has been removed as I only owe apx   : {$1300.00} left on the loan. I have reached out to the company let my rep know of the issue then about 3 weeks later I had a woman XXXX XXXX send me an email asking for a copy of the information on my credit report showing the account had been removed she was very rude in her email and threatened me stating that I had a certain amount of time to respond or she would close the dispute. I screen shotted my credit report with the requested info showing that the account for Rally Motor Credit had been removed from my credit report the same day and sent it to her. I was not very nice about the fact that she had threatened me when this is their mistake. I sent this info on XX/XX/2019. I have not heard back from her at all in 2 weeks. Today I reached out telling them that they have still not gotten back to me and that the account is still not showing on my credit report. I only got a response from my account rep XXXX XXXX stating that I need to contact the credit reporting agencies and deal with the problem with them. I have a huge issue with this due to the fact that it is not the credit reporting agencies mistake it is the companies mistake and they should be the ones to correct this as I have already spent so much of my valuable time to try to get this fixed. I still have not heard back from XXXX. This is fraud and should have been dealt with in a professional manner by Rally Motor Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # 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: Debt collection

Credit Control LLC is the debt collection company that an account from XXXX  XXXX was sold to after XXXX XXXXXXXX refused to work with me, and REFUSED payment. 

Instead of arguing back and forth with Credit Control LLC I reluctantly set up a payment plan with this debt collection agency and was willing to pay them off. However, I asked for a letterhead of the payment plan via email, and they chose to ignore the option of putting it on a letterhead. They were advised to get me a letter on letterhead, and if not then the could close the debt and remove the NEGATIVE remark from my Credit Report. 

They never responded! I now go in to make the payment as agreed, and the account is no longer there, so I am assuming that they have closed this account as settled since the account is not able to be found. Due to this matter, XXXX XXXXXXXX and CREDIT CONTROL LLC need to remove their derogatory remarks from my credit report. Also, due to they have now seemed to refuse to settle the account when they were asked for a settlement and they said no and I chose to pay the debt in full in payment plans, they now have refused the payment due to closing the account. Therefore, the debt is no longer valid, and no longer worth dealing with. So, this company has made it clear that they believed I was a third party and told me that I was not responsible for the debt. I have emails to verify this, and therefore this DEROGATORY remark from this company needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Product: Checking or savings account

On XX/XX/year> I went to a local WELLS FARGO branch and spoke with an employee named XXXX XXXX. I provided XXXX XXXX with an updated Durable Power of attorney for my grandmothers account. XXXX XXXX scanned the documents and spoke with someone ( I believe in the legal docs dept ) to have the documents accepted and attached to my grandmothers account. Fast forward to XX/XX/year> I called WELLS FARGO at XXXX to inquire about my grandmothers new debit card that was supposedly mailed to her XXXX weeks prior however, she hadnt received it. Upon speaking with a representative, I immediately identified who I was and that I was calling regarding my grandmothers account as I am POA. I told them all of the legal documents are on file should they need to verify. The agent goes on the ask for my information in which I gave her however, I explained to her again that I am calling regarding my grandmothers account and that I DO NOT bank with them therefore my personal information such as social would not be in their system. She then says that she can not pull up my grandmothers account without her being on the phone and giving verbal consent. I reluctantly explain YET AGAIN that I am the POA and that I have provided WELLS FARGO with the durable POA and that my grandmother doesnt need to give verbal permission because of the legal documents. The agent refused to acknowledge the POA document and I had to call my grandmother so I could handle her business. Once on the phone, my grandmother stated to them that I am her POA and that its in the system. I called back XX/XX/year> for information on their policy and procedures as it relates to POA documents. I spoke with XXXX different agents and received NO REAL ANSWER. Each agent kept reverting back to asking for my information and that my grandmother had to give verbal permission in which I kept telling them that I did not NEED information at that time about my grandmothers account. I simply wanted to know why they refused to acknowledge a legal document and that I would like to know their procedures regarding POA. I have yet to know why they refuse to acknowledge and abide by the POA on file as they refuse to answer the question. Its SICKENING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Great Flood in Louisiana iXXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.
Product: Bank account or service

Today, XXXX/XXXX/2016, I went to Chase Bank Branch XXXX in XXXX, Texas to make a deposit on behalf of my employer into THEIR account. The deposits consisted of XXXX check, {$200.00} in cash and {$.00} in cash. 

I was asked to supply MY ID for the cash deposits. I 'm sorry, this is not MY personal business account, this is my employer 's business account that I am doing the daily deposits to on THEIR behalf. 

I am not and should not be placed in a position of being responsible for the veracity of the cash submitted for deposit. I am simply depositing funds from the previous day 's transactions. 

My understanding is that the US Government requires identification to be provided for transactions exceeding {$10000.00} to combat money laundering. However, this was not a transaction to or from MY accounts, nor was it in excess of that dollar amount threshold requiring identification. Myself and my employees at my location should NOT be forced to provide identification that is logged in connection with our employer 's account, EVER. This is a ridiculous policy on it 's face and invasive overall. 

Should the money be flagged as having an issue ( counterfeit, used in something clandestine, etc ), an employee making a deposit on behalf of their employer should NEVER be tied to that account in any way, shape or form.
Product: Debt collection

This is a over reach by XXXX XXXX XXXX to over charge My health insurance paid adjustments were made I contacted this Company to dispute and verify make adjustments never explained in writing to justify this charge was not made considering XXXX XXXX XXXX XXXX Charged {$10000.00} for two hour visit released went home.This Corporation has hade a history to over charge/ over reach against its patience
Product: Student loan

I have several loans under " Navient ''. I have NEVER signed a contract with Navient. They continue to harass me and my co signer.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017, cont acted Experian regarding dispute with  XXXX ,  XXXX  Experian did not properly investigating the validity of debt with  XXXX   XXXX   XXXX   XXXX   . I  notified Experian that I provided  XXXX ,  XXXX , documentation that disputes the information  XXXX   XXXX   XXXX   XXXX  initially provided and that information was not requested and inaccurate information was submitted to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts Ive asked to be removed are XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my rights.

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 card or prepaid card

I overpaid my Macys card balance in full. The amount was {$190.00} in XX/XX/2020 with a cashiers check that was written by the credit union XXXX drawn off of the bank. My acct had a {$28.00} credit. 
In XX/XX/2020 Macys reversed the payment. They added the {$190.00} back onto my card and charged a late fee on the {$28.00} credit stating I owed them. As I went back and forth with them that payment was made and I was to have a {$28.00} credit, In XXXX they falsely reported a missed/late payment to the credit bearu which has negatively affected my credit and my ability to be approved for s conventional home loan. 
I have sent the front and back copies of the check they cashed paying the account Im full IN XX/XX/2020 several times and I have documentation. 
They still refuse to rectify the account and continuously harass me to pay any other {$190.00} because although they have proof, letters from my credit union etc they refuse to rectify my account and remove derogatory remarks off my credit report. At one point they stated they dont know where or to whos account they applied payment to and I needed to figure it out! I paid my bill, I refuse to pay it twice especially with proof they cashed the check and gave the funds. 
Ive been told by every agent and supervisor that I have dealt with over the last 8 months that The department that handles This doesnt not have a phone number or email address. I have to wait for a letter from them instructing me what to do. Ive received at minimum 3 letters stating my account has a XXXX balance. Yet they still call and harass me weekly, sometimes daily, never actually remove the derogatory remarks from my credit report that was falsely reported and continue to call me for payment but do not send me bills or statements. 
Please help.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX Account Number:XXXX Please remove from my public record XXXX - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account Number:XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Debt collection

In XX/XX/XXXX I was working XXXX and was covered XXXX to pay for XXXX exams and all medical visits. Do n't understand why XXXX XXXX XXXX charged me {$560.00} for Med- test and send to collection since I never received any bills. I retired in XXXX, XX/XX/XXXX and moved XXXX. I believe this account should be cleared up with XXXX and XXXX. Since XXXX, XX/XX/XXXX I resides XXXX. I need to clear my credit account and this is an unnecessary debt account and must be removed from my credit. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report, and to this date, they have not responded. Below are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Issue : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Issue : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Original Creditor : XXXXXXXX XXXX XXXX Issue : Please remove it from my credit report.